Cardano (ADA) Drops 7.6% Amid Uncertainty, Whales Shift to Mutuum Finance (MUTM)

Cardano (ADA) experienced a significant decline last week, with its value dropping by 7.6% to $0.52, resulting in a market capitalization of $19.6 billion. This downturn was primarily driven by macroeconomic uncertainty and increased selling pressure. Despite this setback, there are indications of a potential recovery. A double-bottom setup at $0.52 and the Leios upgrade, which enhances network throughput, suggest a possible 1.9x rally to $0.9945. Additionally, a 38.4% surge in 24-hour trading volume to $602.8 million and the integration of Brave Wallet for 88 million users further bolster hopes for recovery. However, a break below $0.50 could risk further declines to $0.40.

While ADA struggles to regain momentum, early-stage whales are already reallocating their capital into Mutuum Finance (MUTM). Mutuum Finance offers a decentralized finance (DeFi) model directly tied to user activity and protocol revenue, making it an attractive option for long-term gains, especially as the next DeFi supercycle begins to take shape. This model has already attracted over 12,700 holders, and the fifth presale phase is now over 50% sold out. With the price still locked at $0.03, the window for low-entry access is rapidly closing. Once Phase 6 begins, the price will increase significantly, meaning those who wait will be buying in at a higher cost.

At a realistic 20x return, a $3,000 investment at today’s Phase 5 price of $0.03 would grow to $60,000. This isn’t a speculative fantasy—it’s a math-backed outcome based on the simple principle of getting in early, before the next presale price jump and before the full launch of Mutuum’s revenue-generating ecosystem. Recognizing this potential, a prominent Cardano (ADA) whale recently shifted 8% of their ADA capital into MUTM, citing the lack of short-term yield opportunities in ADA compared to the structured income mechanisms being developed within Mutuum Finance.

When users interact with Mutuum—borrowing or lending assets—protocol revenue is generated. A portion of that revenue will then be used to buy MUTM tokens from the market and distribute them to stakers. This approach aligns value capture with usage, rewarding long-term holders without diluting the token supply. One of the biggest drivers behind the whale movement is Mutuum Finance’s roadmap, which includes a number of strategic catalysts. These include the upcoming beta launch of the platform at token release, a decentralized stablecoin designed for on-chain lending, and a Layer-2 integration that will enhance speed and reduce gas fees.

Layer-2 scaling will give users a smoother lending experience, especially when interacting with both peer-to-peer (P2P) and peer-to-contract (P2C) borrowing models. The decentralized stablecoin, expected to maintain a $1 peg through overcollateralized minting and governance-driven interest rates, will add new depth to the system. Only approved smart contracts and issuers will be allowed to mint this stablecoin, with strict limits to control risk and maintain price stability. Arbitrage activity and liquidation mechanisms will further support its $1 target, offering confidence to users and borrowers alike.

At the heart of the passive income engine lies staking via mtTokens—tokens users will receive when they deposit assets into Mutuum’s liquidity pools. These mtTokens will represent the original deposit plus accrued interest, and they will also be stakable into designated contracts that qualify for dividend distributions. This gives every lender not only their interest income but also additional MUTM token rewards sourced from real usage. Investors are also responding to the $100,000 giveaway currently running across the project. Ten early participants will receive $10,000 worth of MUTM tokens each, creating strong buzz and helping drive wallet signups at a rapid pace.

As more buyers enter the presale to try their luck at winning or securing the lowest entry point before Phase 6, the demand for the token is building fast. Whales are known for spotting asymmetric opportunities before retail buyers catch on. And with its unique combination of utility, yield, security, and a clear roadmap, Mutuum Finance is shaping up to be exactly that. The protocol has already undergone a full audit by CertiK, scoring 95.00 in Token Scan and 77 in Skynet, and now has a live $50,000 bug bounty in place. The bounty is tiered based on severity, giving white hat hackers every incentive to strengthen the platform’s integrity ahead of launch.