Whales tend to turn the capital earlier than the retail investors. They seek assets in their first utility cycles and not tokens, which are mature. The on-chain behavior analysts note that the trend is re-forming with a group of Solana holders positioning into a cheaper altcoin sitting way below the dollar but soon reaching its next price level at 0.06. Solana (SOL) Solana (SOL) is still among the biggest smart contract networks in the market. It trades near to the figure of $128 with a market worth approximately $72B. Solana achieved good returns in the previous big cycle with users and developers joining its ecosystem. The initial rush catapulted SOL to the highest ranking in the Layer 1 assets and also made it a favorite among the big holders. Based on its current size, the analysts have indicated that forward returns can lack a resemblance to previous stages. SOL is being resisted at $138 to $152. The depth of liquidity is increased at this point and may slow down the revaluation. Some analysts have issued weaker predictions in the year 2026 and 2027 as a result of the gravity of the valuation. Unless new catalysts appear, they anticipate slower appreciation. This does not render SOL unattractive but instead it drives whales to seek out tokens at earlier stages of development where they could form much faster. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is one of the new cheap cryptocurrencies whales have been investing in. It is constructing a decentralized lending protocol having two markets in which loans and deposits can be borrowed and lent. The lenders provide assets in the pooled market and receive APY in the form of mtTokens. Through collateral, borrowers can access liquidity at specified loan-to-value trades offs. In the direct matching market, users borrow on the same basis but not depending on common liquidity. Mutuum Finance started its presale in early 2025 at $0.01. In Phase 7, the token is currently at $0.04. It is already funded at 19.9M and has 18,900 holders. The supply of 4B has sold 830M tokens. The opening price will be at 0.06 which will put Phase 1 participants with an increase of 500% on their entrance price. Utility Exposure As per the official X account of the team , Mutuum Finance is going to roll out its V1 protocol on Sepolia testnet in Q1 2026. V1 has collateral regulations, liquidation regimes and ETH and USDT support. Analysts reckon this will make Mutuum Finance no longer developmental but executional whereby borrowing volumes and fee data starts to take shape. It is one of the best windows with regard to early positioning. The mechanics of Mutuum Finance associates the lending process with the token in the form of mtTokens. In the process of paying interest, a portion of the income is paid to the lenders and the rest of the money is spent on buying MUTM in the open market. These acquired tokens are reallocated to stakers of the safety module of the mtTokens. Analysts attribute this to be attractive, as it generates buy pressure on the basis of revenue and not attention. When the borrowing goes up, the buy pressure goes up. Such a structure makes MUTM distinct concerning narrative-based assets that are subjected to social cycles. Size and Liquidity Asymmetry Solana whales realize that there are more multipliers developed faster in small assets. SOL has a market cap of 72B, and requires heavy inflows in order to have price movement. The Mutuum Finance is at the beginning of its lifecycle as its supply is still in the distribution stage and utility is yet to come. According to analysts, this size imbalance is one of the main reasons whales rotate into new crypto assets before they activate. They prefer tokens that do not require deep liquidity to reprice. In this context, some analysts outline a scenario where MUTM could move from its current presale band toward a $0.20 to $0.30 valuation during 2026, representing a potential 400% to 650% appreciation as the protocol enters its first functional cycle. Phase 7 is selling better than the previous stages. The observers in the market cited a recent whale allocation of $115K as evidence of long-term conviction. Mutuum Finance has also undergone an independent audit by Halborn Security and has a score of 90 out of 100 in CertiK token scan. This has played a significant role among whales due to the fact that DeFi protocols require security validation to process collateral and liquidation. Looking Ahead Other participation tools have been used to support onboarding. A 24-hour leaderboard was introduced daily to reward the best contributor with $500 in MUTM. The access to the card payment has increased the participation by eliminating the complicated conversions. Analysts attribute such mechanics to decreasing friction in late stages of distribution. Solana is still an important asset and whales seeking a higher asymmetry have been moving to Mutuum Finance as it enters its first utility window. Having set up V1 activation, as well as, revenue-related mechanics, analysts believe MUTM has turned into one of the most popular crypto assets that whales are monitoring before it hits the next price level of $0.06. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance
