
Recently, $547 million worth of new money has poured into Ethereum (ETH) ETFs, rekindling interest in the cryptocurrency as it gets closer to its all-time highs.
Even though this shows faith in the top crypto market, buyers are looking beyond ETH for the next big chance in the DeFi market. Mutuum Finance (MUTM) has become a standout project for people who want to find projects with asymmetric returns that are driven by adoption and usefulness.
Phase 6 of the MUTM presale is now live and costs $0.035. It has already raised about $16.73 million, and 55% of the 170 million tokens were sold.
There are 4 billion MUTM tokens available for the project, and more than 16,750 people have already bought them. In Phase 7, the price will go up to $0.040, which is a 15% increase. This will make buyers rush to get positions at a discount.
The Mutuum Finance team announced the development of its lending and borrowing protocol, positioning the platform as a high-utility altcoin that complements traditional Ethereum exposure.
ETF inflows
More and more people are hopeful that ETFs will bring ETH back to its all-time highs. Spot Ethereum ETFs have recently received $547 million in net purchases, which shows that institutions are once again interested in ETH.
During the same two days, $674 million came into ETH ETFs, which is a strong sign that money is moving back to Ethereum. On the weekly chart, ETH is making a “bull flag” pattern, which is a consolidation that usually comes before a strong breakout.
The $4,500 resistance zone will be the main obstacle to overcome. If ETFs keep buying ETH and the price can confidently break through that barrier, it becomes more likely that ETH will run back to its previous all-time highs.
Still, keeping the momentum going will depend on things like action on the chain, macro sentiment, and more institutional demand.

Stablecoin innovation & P2C/P2P lending
Mutuum Finance (MUTM) is going to release a decentralized stablecoin that is tied to $1. These coins will be made with collateral and burned when they are paid back or liquidated.
This mechanism keeps the protocol stable and liquid while letting users get cash without having to sell their main assets. Dual lending arrangements will be part of the protocol. Peer-to-Contract (P2C) pools will focus on well-known cryptocurrencies and stablecoins.
This will allow investors to make steady returns while keeping the site liquid. Peer-to-Peer (P2P) lending, on the other hand, is made for crypto coins that are less stable or liquid, like PEPE and TRUMP. It offers higher returns while separating risk from the main P2C groups.
There is also a stable interest rate model that works with this dual lending system. This model locks in rates at first to give investors peace of mind, starts with slightly higher APYs to draw early liquidity, and rebalances itself automatically when supply falls below 90% of the all-variable rate.
As an example, a person who deposits $20,000 USDT into the mtUSDT pool at a 1:1 ratio will earn 14% APY per year, which is $2,800 per year. At a 75% loan-to-value ratio, a borrower who puts up $2,000 in ADA as collateral can get up to $1,500 in stablecoins.
This makes the use of capital more efficient without losing security. Open-market buybacks will help people who hold mtTokens because some of the platform’s income will be used to buy MUTM and give it to users, creating a demand loop.

Justification for 1,700% upside
Mutuum Finance (MUTM) is structured to achieve rapid growth, with a target price increase of 1,700% from its current Phase 6 price of $0.035 to around $0.63 by 2026. The buy-and-distribute mechanism of the protocol will ensure steady MUTM demand as income rises.
This way, every lending and borrowing transaction will help support the token value. Enhanced Collateral Efficiency (ECE) lets linked stablecoins borrow as much as possible without raising systemic risk. This means that fees will be higher and there will be more money available for buybacks.
Mutuum Finance will also set up a strong oracle system that will use Chainlink as its main feed and include backup oracles, aggregated price feeds, and DEX TWAPs as needed.
This makes sure that both borrowers and lenders have accurate valuations, which lets institutions hold large shares while keeping them safe during times of high volatility. The upcoming Layer-2 integration and beta launch will greatly enhance the user experience, the speed of onboarding, and the total value locked (TVL). This will increase adoption and fee-based income.
For investors, the potential is clear: someone who bought MUTM in Phase 1 at $0.01 has already made 3.5x their investment at the current Phase 6 price of $0.035, and the roadmap shows how that account could grow to reach the 1,700% goal.
Mutuum Finance has also put security first. It went through a CertiK audit that included both Manual Review and Static Analysis and got a Token Scan score of 90.00 and a Skynet score of 79.00. A bug prize of 50,000 USDT is given to ethical hackers who find security holes.
Ten winners will each receive $10,000 in MUTM tokens as part of a $100,000 giveaway. The Dashboard and Top 50 leaderboard tools will turn participation into a game, which will encourage bigger contributions and keep people coming back.
With Phase 6 more than half sold and Phase 7’s 15% price step imminent, early entry is critical. Investors looking for high utility and rapid upside have a narrow window to secure discounted allocations in Mutuum Finance (MUTM).
Between its stablecoin innovation, dual lending framework, buyback-driven demand, and Layer-2 scalability, MUTM offers one of the most compelling risk-adjusted opportunities in the market for those evaluating investing in crypto beyond the traditional ETH arena or preparing against a potential crypto crash.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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