Solana News Today: Institutional investors shift from BNB and SOL to MUTM altcoin amid dual-lending model and presale gains

In the evolving cryptocurrency landscape, institutional-grade investors—commonly known as whales—are increasingly reallocating portions of their portfolios from well-established assets like Binance Coin (BNB) and Solana (SOL) toward a lesser-known altcoin, Mutuum Finance (MUTM), currently priced at $0.035 during its presale [1]. This trend reflects a broader strategy among large investors to seek out projects with strong fundamentals, innovative technology, and the potential for exponential growth.

Mutuum Finance stands out for its dual lending model that combines the flexibility of Peer-to-Contract (P2C) lending with the high-yield opportunities of Peer-to-Peer (P2P) lending [1]. The P2C model allows users to deposit significant amounts of established cryptocurrencies and borrow stablecoins while earning passive income. For example, a whale could deposit 150 BNB (approximately $60,000 in value) and borrow $43,200 in USDC stablecoins using a 72% loan-to-value ratio, without selling their BNB. At the same time, they could lend $200,000 in Bitcoin through MUTM’s P2C pools, earning a 9.5% annual percentage yield, or roughly $19,000 in interest per year [1]. This dual-income approach is particularly attractive to whales who aim to optimize their capital without liquidating their core holdings.

The P2P component of Mutuum Finance’s offering allows investors to directly negotiate loans with higher returns, particularly on more speculative assets [1]. A $10,000 USDC loan secured by FLOKI tokens at a 26% APY over 60 days provides an attractive short-term yield for risk-tolerant investors. These direct negotiations offer greater flexibility and control compared to traditional lending pools, making MUTM appealing to whales who prefer customized loan terms and risk management strategies.

The presale of Mutuum Finance is currently in Phase 6, with a token price of $0.035 and $14.33 million raised to date [1]. Over 15,200 holders have already participated, with only 15% of the total supply sold. This suggests strong early confidence in the project and leaves significant room for new investors to enter before the price increases in the upcoming Phase 7, where the token is expected to rise to $0.04. Analysts have highlighted that early buyers could see an immediate 15% gain with this price jump [1]. Additionally, the project has undergone a CertiK audit, reinforcing its commitment to security and transparency.

Community engagement is another key factor in MUTM’s appeal. The project has attracted more than 12,000 social media followers and is running a $50,000 bug bounty program to identify and resolve potential vulnerabilities [1]. A $100,000 giveaway campaign further supports user acquisition and loyalty, reinforcing a culture of trust and collaboration within the ecosystem. These efforts have helped build a strong and active community, which is crucial for long-term adoption and value appreciation.

Early investors are already seeing significant returns. A whale who invested $70,000 in MUTM during Phase 1 at $0.01 is now holding tokens valued at $245,000 based on current presale prices [1]. Projections suggest that the token could reach $0.06 at listing, pushing the value of that same investment to $420,000. Post-listing developments, including a beta launch and potential centralized exchange listings, are expected to further elevate MUTM’s valuation.

Mutuum Finance is emerging as a compelling alternative for whales seeking to move beyond BNB and SOL. Its dual lending model, combined with strong security, growing community, and favorable presale momentum, positions MUTM as a high-upside investment opportunity. With upcoming Layer-2 integration and planned exchange listings, the project is gaining momentum as a viable platform for wealth multiplication in the next phase of the crypto cycle.

Source: [1] Why whales are moving from BNB and SOL into this $0.035 altcoin (https://invezz.com/news/2025/08/14/why-whales-are-moving-from-bnb-and-sol-into-this-0-035-altcoin/)