As attention shifts across the crypto market this week, a growing number of experienced investors are stepping away from the usual headlines and looking toward lesser-known assets

One token, in particular, has started drawing the interest of deep-pocketed players: Mutuum Finance (MUTM). Still in its presale phase, priced at just $0.025

As the crypto market continues to be discussed this week, some experienced investors are stepping away from the usual headlines and looking toward lesser-known assets showing early signs of momentum. One token, in particular, has started drawing the interest of deep-pocketed players: Mutuum Finance (MUTM).

Still in its presale phase, priced at just $0.25, MUTM is quietly building a reputation among those searching for real utility and early-stage upside—now including large XRP holders who appear to be tracking its growth closely.

While XRP plays a significant role in cross-border transactions and real-world asset tokenization, recent on-chain data suggests that many large XRP holders—commonly known as whales—have begun moving funds across wallets and monitoring newer DeFi opportunities.

Some of this activity coincides with Ripple’s broader strategic shifts, including its $1.25 billion acquisition of prime brokerage firm Hidden Road. This deal is expected to enhance institutional use of the XRP Ledger, but in the short term, it also highlights a pattern: major XRP wallets are increasingly scanning for additional growth channels outside of the core Ripple ecosystem.

As XRP maintains its position in the market, with trading volumes showing steady fluctuations and price still recovering from broader market corrections, these whales are not necessarily abandoning XRP—they’re diversifying. And among the projects attracting their attention is Mutuum Finance, a DeFi protocol that offers something different: a working system, clear token mechanics, and an opportunity to get in before wider exposure sends the price higher.

Mutuum Finance isn’t just another presale token. It’s a decentralized, non-custodial protocol that enables users to lend and borrow crypto assets directly on-chain. What makes it stand out is how it handles passive income and platform usage.

When users deposit assets into Mutuum, they receive mtTokens, which represent their holdings and automatically accrue interest based on borrowing activity within the protocol. There’s no need to stake or lock up tokens separately—earnings grow in real time, making the process smooth and accessible even to less technical users.

Borrowers benefit as well. Instead of liquidating their holdings during uncertain market conditions, they can post overcollateralized assets as security and receive funds without giving up exposure. This model fits well with the current strategy used by larger holders who want flexibility while keeping long-term investments intact.

Beyond the mechanics, Mutuum’s presale itself has shown strong signs of trust from early investors. With over 8,100 holders already on board and more than $6.5 million raised, the token’s early momentum is hard to ignore. The price is set to rise to $0.3 in the next phase and eventually launch at $0.6, giving early participants a clear advantage. For traders looking to take positions ahead of listings, the timing couldn’t be better.

One of the most appealing parts of Mutuum Finance is its buy-and-distribute model, where a portion of protocol revenue is used to purchase MUTM tokens from the open market and redistribute them to mtToken stakers. This not only helps support long-term value but creates recurring demand tied directly to how much the protocol is being used.

With the team preparing to launch a beta version of the platform shortly after the token goes live, and listings on major exchanges expected shortly after launch, the foundation is being laid for a project that aims to compete based on real product delivery—not empty hype. This adds another layer of interest for large investors who typically enter when both development milestones and strong market positioning begin to align.

In a market where narrative often moves faster than fundamentals, Mutuum Finance is quietly setting itself apart with both. It’s early, it’s accessible, and it’s functional. That combination doesn’t come around often—and it’s why large holders, including XRP whales, are beginning to pay attention.

For those wondering what’s the best crypto coin to buy this week, MUTM offers a strong case. With its presale price still low, real yield mechanisms in place, and growing interest from strategic investors, it’s becoming more than just another new project—it’s turning into one of the most talked-about under-the-radar plays of the week.

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

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

Linktree: https://linktr.ee/mutuumfinance