Can 70M ADA whale lift prices past $0.90 as MUTM challenges Cardano?

Cardano has been grappling with mixed trading signals, as the price remains locked below the $0.90 mark despite heavy whale activity.

More than 70 million ADA has been accumulated in the past week, lifting total holdings to 5.53 billion. Still, the altcoin continues trading inside a wide range between $0.74 and $0.98.

While whales are trying to drive momentum, Mutuum Finance (MUTM) is emerging as a serious challenger, currently in Phase 6 of its presale and building traction with strong utility. 

This raises the question: can whale activity lift ADA beyond $0.90, or does Mutuum Finance present the next big crypto investment opportunity?

Cardano price struggling in a range

Cardano has been spending weeks trading between $0.74 and $0.98, repeatedly failing to secure a breakout above $1. The altcoin briefly surged to $0.95 before retracing, and market data shows the price resting near $0.85 after a 1% daily rise.

Accumulation by large holders is evident, as whales resumed buying after ADA fell under $0.80. However, despite these inflows, ADA is still 34.6% below its late-2024 peak at $1.30, leaving its bullish outlook capped for now.

Adding to this, futures positions have concentrated near $0.84, highlighting a crucial liquidity level.

A breakout above $0.90 may open the path to $1.14, yet persistent weakness in trading volumes and spot market dominance by sellers has weighed on momentum.

Consequently, many investors are reconsidering ADA’s near-term potential and looking elsewhere for stronger opportunities.

Mutuum Finance presale building demand

Mutuum Finance (MUTM) has been gaining traction during its presale, now in Phase 6 and already 60% filled.

The token is priced at $0.035, marking a 250% rise from the first phase price of $0.01. Since the presale began, $16,850,000 has been raised, and total holders stand at 16,770. 

The demand has pushed sales quickly, with Phase 7 set to open at $0.04, a 14.3% step-up. At launch, the token will list at $0.06, giving current buyers around 371% returns from today’s price.

Mutuum Finance has finalized its CertiK audit with a strong token score of 90/100, showing solid security standards.

To further enhance trust, the team launched a bug bounty program in partnership with CertiK, allocating $50,000 USDT for rewards across four severity levels. 

Additionally, Mutuum is running a $100,000 MUTM giveaway split among 10 winners, each receiving $10,000, with eligibility tied to a minimum presale investment of $50.

Lending and borrowing protocol underway

Beyond fundraising, Mutuum Finance is advancing real product development. The team has announced its lending and borrowing protocol, set to debut on Sepolia testnet in Q4 2025.

Core components include liquidity pools, mtTokens, debt tokens, and a liquidator bot. ETH and USDT will be the first assets supported for collateral, lending, and borrowing.

The system is designed to balance liquidity efficiently. When capital is abundant, interest rates remain low, encouraging borrowing.

When liquidity tightens, rates rise to attract deposits and speed up repayments. This dynamic ensures stability while maximizing the usage of supplied assets. Moreover, Mutuum offers stable rate borrowing options, giving users predictable repayment structures, though at slightly higher entry rates.

Collateral safeguards and liquidation thresholds are also built into the protocol. Borrowers must overcollateralize, and if values fall too low, liquidators can purchase discounted collateral to maintain system health.

Caps on deposits and borrowing prevent market manipulation risks, while enhanced collateral efficiency allows higher borrowing limits when stable assets are paired. Altogether, these risk parameters aim to ensure sustainable lending operations.

Mutuum expanding utility and community

Mutuum Finance is strengthening community engagement through its new dashboard, featuring a leaderboard of the top 50 holders, rewarding them with bonus tokens for maintaining their rank.

This initiative runs alongside its two-tier lending system, offering both pooled liquidity through peer-to-contract and custom terms via peer-to-peer vaults.

By blending P2C and P2P models, the protocol caters to both straightforward yield seekers and advanced traders requiring tailored lending agreements.

This dual approach expands adoption and positions the project for long-term growth. In addition, the team is working on a USD-pegged overcollateralized stablecoin to deepen liquidity within the protocol.

Shifting focus from ADA to MUTM

Although Cardano whales are accumulating and trying to drive ADA closer to the $1 threshold, the token remains range-bound under $0.90.

Liquidity pressures and cautious market sentiment continue to limit upside potential. In contrast, Mutuum Finance is actively growing, combining strong presale momentum, ongoing product development, and audited security.

As Phase 6 moves quickly toward completion, the opportunity to secure MUTM at $0.035 is ending soon. Early investors are already looking at nearly 371% projected gains at launch, alongside access to a functioning DeFi platform.

The presale has already raised $16,850,000 and attracted 16,770 holders, underscoring confidence in its vision. 

For those evaluating what crypto to invest in, the decision increasingly points to Mutuum Finance as the next big crypto to watch.

For more information about Mutuum Finance (MUTM), visit the links below:

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance

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