Experts Reveal Which Cryptocurrency Whales Are Targeting for 2025 Instead of Bitcoin or Ethereum

While Bitcoin (BTC) and Ethereum (ETH) remain dominant in the crypto market, whales are starting to shift their focus toward high-growth alternatives with strong real-world utility. One project gaining traction is Mutuum Finance (MUTM), a decentralized lending and borrowing platform that is currently in its presale phase. Offering key DeFi utilities, including a peer-to-peer lending market and an overcollateralized stablecoin, Mutuum Finance is attracting early investors who see long-term potential. With its structured presale, whale interest, and plans for exchange listings, analysts believe MUTM could deliver massive returns in 2025, making it one of the most sought-after tokens among large investors.

Why Are Whales Investing in MUTM?

Whales are targeting Mutuum Finance (MUTM) because of its strong fundamentals, real DeFi applications, and early-stage investment potential. Unlike many speculative tokens, MUTM is built around a decentralized lending protocol, allowing users to supply and borrow crypto assets in a secure and automated environment. With its first presale stage priced at just $0.01, large investors recognize the opportunity to enter early before the price climbs across the 11 planned stages, reaching $0.06 at launch.

One of the key reasons whales are accumulating MUTM is its structured tokenomics and buy-and-distribute mechanism. A portion of platform fees from lending and borrowing is used to purchase MUTM from the open market, reducing the circulating supply and creating steady buying pressure. These tokens are then redistributed to mtToken stakers, rewarding long-term holders and reinforcing price stability. This cycle ensures sustained demand, making it attractive for large investors who prioritize projects with built-in value growth mechanisms.

Another major factor drawing whale interest is Mutuum Finance’s plan to introduce an overcollateralized stablecoin, adding further utility to the ecosystem. This stablecoin will provide a secure borrowing option, backed by on-chain collateral, ensuring transparency and reliability. With DeFi adoption growing, projects offering practical lending solutions tend to attract both retail and institutional investors.

Whales are also betting on Mutuum Finance’s potential exchange listings and beta platform launch, both of which are expected to drive demand after the token goes live. A working product at launch sets MUTM apart from many presale projects, giving it immediate utility and increasing the likelihood of long-term success. With over 7 million tokens already sold in the first presale stage and whale investors joining early, the project is positioned as a top alternative for those looking beyond Bitcoin and Ethereum in 2025.

In Mutuum Finance, suppliers earn mtTokens, which represent their deposited assets in a 1:1 ratio. These tokens accrue interest over time, allowing investors to passively grow their holdings.

For example, an investor supplies 5,000 USDT to the platform. In return, they receive 5,000 mtUSDT, which remains in their wallet as proof of deposit. If the annual percentage yield (APY) is 9%, by the end of the year, their balance will reflect 5,450 USDT, assuming stable market conditions. This system allows suppliers to generate passive income without actively managing their funds while benefiting from interest generated through lending activities.

Borrowers, on the other hand, can use their existing crypto assets as collateral to borrow funds without selling them.

For instance, a user holds 2 ETH but does not want to sell it, anticipating future price growth. They pledge their 2 ETH as collateral under a 75% loan-to-value (LTV) ratio, allowing them to borrow up to $4,000 in stablecoins.

This borrowed amount can be used for personal investments, trading, or real-world expenses, while the borrower retains ownership of their ETH holdings. If ETH increases in value, they can repay the loan and retrieve their original 2 ETH, avoiding the need to sell at a lower price.

Mutuum Finance’s decentralized smart contracts ensure that all transactions are secure and transparent, with loans being managed automatically to protect both suppliers and borrowers.

With strong fundamentals, real DeFi applications, and early-stage pricing, Mutuum Finance (MUTM) presents a rare opportunity for investors looking for high-growth potential. The structured presale, growing whale interest, and upcoming exchange listings position it as a strong contender in the market. With MUTM priced at just $0.01 in its first stage, early investors have the chance to maximize returns before the price increases. As demand builds, now is the best time to secure a position before the presale sells out.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance