While Bitcoin (BTC) Dumps, Whales Are Loading Up on This $0.04 Crypto

The crypto market is following a pattern seen in past cycles. Periods of Bitcoin volatility often coincide with increased activity in smaller, early-stage projects. As BTC pulls back in early 2026, on-chain data suggests that whales are reallocating exposure toward lower-priced assets with greater upside potential. One $0.04 crypto is now emerging as a notable beneficiary of this shift.

Bitcoin Faces Pressure After a Sharp Pullback

Bitcoin has struggled to hold momentum after its strong run in late 2025. In recent weeks, BTC has seen a notable dump, falling from higher ranges and trading around the $68,000-$70,000 zone. This move followed months of selling pressure, ETF outflows, and reduced risk appetite across global markets.

From its previous cycle highs, Bitcoin is now down more than 40%, highlighting the limits of upside for an asset with a multi-trillion-dollar valuation. While long-term confidence in BTC remains intact, many investors recognize that large gains now require massive capital inflows. This is why whales often use Bitcoin pullbacks as moments to diversify into smaller-cap opportunities rather than exiting crypto entirely.

Why Whales Are Accumulating Mutuum Finance (MUTM)

Mutuum Finance (MUTM) has recently attracted attention from large buyers during Bitcoin's downturn. On-chain presale data shows two major whale transactions, one worth roughly $115,000 and another around $113,000. Together, these purchases pushed the total presale funding increase close to $250,000, bringing the total amount raised to approximately $20.45 million.

This activity has not gone unnoticed. With over 19,000 holders already participating, these large entries have sparked renewed interest in the MUTM token. Whales typically look for projects where technical risk is falling but pricing has not yet adjusted, and this is where Mutuum Finance is starting to fit that profile.

Mutuum Finance is currently priced at $0.04, which remains a discounted level compared to its confirmed $0.06 launch price. The presale began at $0.01, meaning the token has already climbed 300% through its phased structure, yet is still below its planned market entry point.

Supply dynamics are also tightening. Out of 1.82 billion tokens allocated to the presale, more than 840 million MUTM have already been sold. This means nearly 50% of the entire presale allocation is gone, reducing available supply as demand continues to build.

V1 Protocol Now Live on Sepolia Testnet

Beyond funding, technical progress is another key reason whales are paying attention. The team has confirmed that the V1 protocol is live on the Sepolia testnet, allowing users to actively test the platform rather than rely on promises.
The V1 testnet includes core components of the lending system, such as initial liquidity pools, mtToken minting, and debt tracking mechanisms.

Users can also view health and stability factors, which show how risk is managed across positions. This move from concept to a working environment significantly reduces execution risk and signals that the protocol is advancing toward mainnet readiness.

Long-Term Potential of Mutuum Finance

With the V1 protocol already live on the Sepolia testnet, Mutuum Finance is now focused on expanding its core functionality ahead of mainnet deployment. The testnet phase allows the team to refine lending mechanics, risk controls, and user experience while preparing the protocol for broader adoption.

A key part of the roadmap is the planned native stablecoin, which is designed to be minted against collateral within the system. This feature would allow users to access a stable asset without selling their positions, increasing capital efficiency and encouraging repeated platform use.

If executed as planned, the stablecoin could become a central tool within the ecosystem and drive sustained demand. Combined with ongoing development and a growing user base, these next steps highlight Mutuum Finance's transition from early-stage testing toward long-term utility focused growth.

To keep participation high, the project has also introduced strong incentives, including a $100,000 giveaway program tied to community activity. Alongside features like daily engagement tracking, these incentives are designed to maintain consistent demand throughout the remaining presale phases.

While Bitcoin experiences short-term downside and consolidation, whale behavior suggests capital is rotating rather than leaving the market. Mutuum Finance stands out as one of the projects capturing that flow, supported by rising funding, large whale entries, shrinking presale supply, and a live V1 testnet.

With MUTM still priced at $0.04, below its $0.06 launch price, the current window reflects an early-stage opportunity that some large investors are already acting on. As always, timing matters, and the remaining discounted supply may not last long as interest continues to build.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

About Mutuum Finance

Mutuum Finance (MUTM) is an Ethereum-based, non-custodial decentralized finance (DeFi) protocol designed for lending and borrowing digital assets without intermediaries.

J. Weir
Contact@mutuum.com

This release was published on openPR.