Big investors are moving their focus. After years of chasing meme rallies with Dogecoin (DOGE), many whales are now turning to Mutuum Finance (MUTM) . This new DeFi token is drawing attention for its real yield model and practical use cases. Analysts believe the $0.035 presale price will soon move toward $0.040 as demand increases. In this article we will be discussing the unique features of Mutuum Finance (MUTM) which are forcing whales to move from DOGE to MUTM. Mutuum Finance (MUTM) presale momentum Mutuum Finance (MUTM) is now in Phase 6 of its presale. The total token supply is 4B MUTMs. The current price is $0.035, and the project has already raised about $17.25 million combining all phases. Overall, more than 17,000 holders have joined so far, with 65% of the 170 million Phase 6 tokens already sold. The next phase will increase the price by 15%, reaching $0.040. This will be the final discounted stage before the listing event. Smart investors are already acting fast and grabbing the opportunity of lower prices. One early participant sold DOGE and BTC profits and placed $10,000 into Phase 1 of Mutuum Finance (MUTM) when tokens were priced at $0.01. That purchase secured 1,000,000 MUTM. At the current $0.035, that same holding is now valued at $35,000 — a gain of 250%. At the planned listing price of $0.06, the same investment will reach $60,000, a 6× return. Analysts see whales driving a move to $0.040 in the next few days as allocations close quickly. Why DOGE whales are rotating to MUTM Dogecoin (DOGE) has long depended on community strength and short-term trading cycles. Its large holders often look for liquidity and quick exits during meme surges. Many now prefer Mutuum Finance (MUTM), which will provide measurable on-chain yield through its lending and staking systems. While DOGE relies on social energy, MUTM is built on working DeFi tools. Its lending engine, buyback plan, and staking system will allow users to earn returns directly from protocol activity. The difference is simple: DOGE’s value depends on crowd attention, while MUTM’s value will come from real usage and continuous buy demand. Firstly, unlike utility deprived memecoins, Mutuum Finance (MUTM) will offer two lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). These models will bring real economic use cases to the token. In the P2C system, a user can lend crypto assets into audited pools. For example, a depositor who adds $20,000 worth of BTC will receive mtBTC, which will earn around 12% annual yield based on pool utilization. That means about $2,400 in yearly income, while the initial amount stays accessible. Borrowers will also gain new flexibility. For instance, a user who posts $2,000 worth of SOL as collateral can borrow up to $1,500, or 75% of its value. This gives liquidity without selling the original tokens. For higher-risk tokens like DOGE or meme assets, lending will happen through the P2P model. These direct deals will allow lenders to set their own rates to match the added risk, giving higher rewards in return. Buybacks and rewards: The real demand engine Secondly, Mutuum Finance (MUTM) will use its protocol income to buy back MUTM tokens from the open market. The income will come from interest payments and liquidation fees, and will be used in buying these tokens from the open market. The bought tokens will then be distributed as rewards to mtToken stakers. This will create a repeating cycle of market activity, where more platform use brings more buying pressure.’ As borrowing and lending grow, more users will stake mtTokens to earn these rewards. This continuous engagement loop will strengthen the value network around Mutuum Finance (MUTM). Before expected exchange listings begin, Mutuum Finance (MUTM) will roll out a beta version of its system, probably at the token live event. This version will let users test live lending and borrowing, see mtToken minting in action, and experience automated liquidations. Whales often prefer early visibility into such systems. A working beta gives them confidence in the technology and the revenue model before major capital entry. Stable and secure lending framework Mutuum Finance (MUTM) will maintain strict limits to keep the system stable. Assets like ETH and stablecoins will hold up to 75% LTV ratios with 80% liquidation thresholds. More volatile tokens will have tighter limits between 35–65% LTV. Reserve factors between 10–55% will protect the protocol’s liquidity pools. Such a kind of stringent stability brings security in the psychology of users. When users feel secure they will come up with huge budgets. When huge funds are incorporated or used in the platform, more activity is expected and hence the demand of MUTM will pump. For the practical test of some of the features, recently the X team has announced the launch of V1 of the protocol on Sepolia Testnet, expected in Q4 2025, will show ETH and USDT lending, debt tokens, and the liquidator bot in real time. Final thoughts — The shift from memes to real yield Crypto prices are again heating up, but the market focus is changing. Big investors are now chasing tokens that offer real activity and transparent income. Dogecoin (DOGE) built community strength, but Mutuum Finance (MUTM) is set to build sustainable yield. With 65% of Phase 6 already sold and the next price jump to $0.040 just ahead, analysts expect a surge of whale participation before this discounted stage closes. Mutuum Finance (MUTM) is positioning itself as the new favorite among smart capital — and this short window at $0.035 might not stay open for long. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Whales shift from DOGE to MUTM as $0.035 token nears $0.04 appeared first on Invezz
