Activity among large-cap wallet holders has started to shift. Some wallets once heavily allocated to meme-driven tokens like PEPE are now showing signs of rotation. While PEPE continues to hold its place among meme coin traders, the speculative hype that once surrounded it has started to cool. And in its place, capital is moving toward utility-based alternatives, with Mutuum Finance (MUTM) quietly gaining momentum as a result. This transition isn’t about abandoning high-risk assets altogether. Rather, it’s a signal that some whales are realigning portfolios toward opportunities where utility, token mechanics, and passive income potential can support sustained long-term returns. As 2025 unfolds, that strategic shift may help explain why MUTM is increasingly being labeled a top crypto to buy in 2025. Mutuum Finance (MUTM) What sets Mutuum Finance apart is its function-first design. The protocol is designed to let users unlock liquidity while retaining ownership of their existing assets. Through its decentralized lending structure, participants can lock in major cryptocurrencies — including Ethereum, Bitcoin, and others — as collateral and borrow stablecoins in return. This approach offers two key benefits. First, holders retain exposure to long-term upside from the assets they’ve deposited. Second, they unlock immediate liquidity that can be used to reinvest, manage expenses, or explore other opportunities — without triggering capital gains or selling positions at the wrong time. For investors looking to generate passive income in crypto, this is a practical solution that doesn’t rely on inflationary mechanics or volatile reward tokens. Instead, it uses platform activity to generate protocol revenue. That income is utilized to purchase MUTM tokens from the open market, which are then redistributed to users—establishing a yield cycle directly linked to the platform’s activity. Security and trust are critical in decentralized finance. The team behind Mutuum Finance has acknowledged this by undergoing a full audit with CertiK, a leading name in smart contract verification. This move not only demonstrates a commitment to user safety but also helps build long-term credibility as the protocol scales. With multiple layers of revenue, security, and real-world lending use cases, Mutuum stands out as more than just another DeFi project. It’s building a system where investor participation is rewarded with real, on-chain utility — and that’s part of what’s catching the attention of former PEPE whales and long-term strategists alike. With over 65% of the fourth presale phase already completed, MUTM remains available at a price of $0.025. However, that window is closing soon, as the upcoming phase will raise the price to $0.03, with the token set to officially launch at $0.06. That’s a 140% gain just from now to launch, without factoring in what may happen once it starts trading on public exchanges. What’s fueling this anticipation? The team intends to roll out a beta version of the Mutuum platform alongside the token launch, allowing users to start exploring and using its main features right from the beginning. That early utility gives the project a major edge — especially when many presale tokens launch without a working product. With a product ready, a growing community, and strong tokenomics, analysts believe MUTM won’t just hover around its launch price. Estimates suggest it could reach between $0.80 and $1 in early trading, particularly if the token lands on major exchanges — a scenario that’s already considered likely given early demand and the protocol’s structure. Rotations from meme tokens like PEPE into functional platforms like Mutuum Finance are a clear signal: investors are now valuing substance over hype. For those focused on both near-term upside and long-term return potential, MUTM is shaping up to be one of the best cryptocurrency plays of 2025. With the presale still open, and the price increase to $0.03 approaching fast, now may be the final opportunity to get in before the public catches on. From $0.025 to a projected $1+, the upside is clear — and the foundations are already being laid. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.finance/ Linktree: https://linktr.ee/mutuumfinance The post Whales are shifting from PEPE to MUTM — is this the top crypto to buy in 2025? appeared first on Invezz
