ETH TVL hits $64B, but this low-cap coin may outpace it

Ethereum (ETH)’s TVL growth strengthens DeFi token sentiment, potentially lifting UNI and COMP in crypto markets. In stocks, blockchain firms may gain, but US-BRICS trade tensions could spark volatility.

In forex, a stronger dollar may cap ETH’s price, yet tokenized asset inflows and Layer-2 efficiency could drive sustained demand, solidifying Ethereum (ETH)’s DeFi dominance.

Mutuum Finance (MUTM)

As Ethereum (ETH)’s Total Value Locked (TVL) crosses a staggering $64 billion, a quiet shift is underway. While Ethereum (ETH)’s strength remains foundational to DeFi, its growth percentages are gradually slowing due to its massive market cap.

On the other hand, smaller, high-utility projects are beginning to attract sharp eyes, and Mutuum Finance (MUTM) is emerging as one of the most talked-about tokens in that category.

Currently in Phase 5 of its presale, Mutuum Finance (MUTM) is still available at just $0.03, with over 73% of the current phase sold. The remaining 27% of tokens won’t last long—once gone, the price is scheduled to rise by 16.7% to $0.035.

This aggressive yet calculated momentum is backed by over $12.2 million already committed, and a growing community of more than 13,100 holders. Investors who acted early—buying in at just $0.01—have already seen their holdings grow by 200%, and the protocol hasn’t even launched publicly yet.

From a modest ETH bag to a triple in value

Ethereum (ETH)’s recent rise has benefited many, but those who rotated into strategic plays like Mutuum Finance (MUTM) have captured even more explosive returns.

One retail investor swapped just $5,000 worth of ETH when it was trading around $2,200, converting it into MUTM tokens during Phase 1.

That same bag is now valued at $15,000—and it’s still in the presale phase, with the listing price confirmed at $0.06. Once the platform goes live, the opportunity to multiply again becomes very real.

This is not just a speculative run. Mutuum Finance (MUTM) is building a dual lending system that supports both pooled lending (P2C) and customizable peer-to-peer lending (P2P). In the P2C model, users lend popular assets like ETH or SOL into decentralized smart contracts.

As borrowers take loans at variable Loan-to-Value ratios, lenders begin earning passive yield, tracked through the issuance of mtTokens.

For instance, when someone lends 3 ETH (about $10,200) at an average APY of 8.5%, they receive mtETH—an interest-bearing token that automatically reflects earned interest over time.

In this scenario, the lender earns $867 annually, excluding additional bonuses from staking mtETH in the designated smart contracts. These mtTokens can also be used as collateral, transferred, or sold on secondary markets, making them powerful and flexible.

Stablecoin design, institutional-level security, and the road ahead

Mutuum Finance (MUTM) is preparing to launch a decentralized stablecoin pegged to the US dollar. The stablecoin will only be minted when users borrow against overcollateralized crypto assets such as ETH or LINK, and it will be automatically burned when the loan is repaid or liquidated.

Each issuer will have a governance-controlled minting cap to prevent overexpansion. The interest rate will adjust algorithmically to help maintain the $1 peg, creating a self-regulating system.

This structure reinforces ecosystem stability, adds liquidity velocity, and enhances long-term sustainability without relying on centralized backing.

Security is another central pillar of Mutuum Finance (MUTM)’s development. The protocol has received a CertiK Token Scan Score of 95.00 and a Skynet Score of 77.5, indicating high-quality smart contract and risk posture standards.

To further fortify its infrastructure, Mutuum Finance (MUTM) has launched a $50,000 Bug Bounty program. White-hat developers and cybersecurity specialists are invited to test the system for vulnerabilities, reinforcing the protocol’s long-term credibility.

On the development side, the roadmap points to strong future milestones. Following the completion of the presale and public launch, Mutuum Finance (MUTM) plans to integrate Layer-2 scaling solutions to reduce gas fees and improve performance. 

With these growth paths already lined up, the current presale pricing stands out as a rare opportunity. The next phase will raise the token price from $0.03 to $0.035—a 16.7% increase.

That’s before even reaching the confirmed listing price of $0.06, and far below the $0.12–$0.18 range analysts are beginning to forecast for 2026.

Ethereum (ETH) will likely continue dominating the DeFi market in terms of raw value. But for those hunting exponential growth, Mutuum Finance (MUTM) offers something far more agile, accessible, and utility-driven.

With just 27% of Phase 5 tokens remaining, the window is narrowing. For many, the question is no longer if they’ll buy, but whether they’ll act before the price jumps.

For more information about Mutuum Finance (MUTM), visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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