With 55% sold, price to rise 15% to $0.040; traders call it top ETH alternative

Traders are starting to say that Mutuum Finance (MUTM) is the best option to Ethereum (ETH), even though Ethereum (ETH) is still the most popular cryptocurrency due to its high liquidity and well-established ecosystem.

The reason is easy to understand: Ethereum (ETH) is fully developed, but MUTM is still in pre-sale and has a lot of room to grow. Its model of lending, borrowing, and staking includes features that are meant to appeal to both individual and business users.

Lending, borrowing, and real yield mechanics

MUTM is in Phase 6 of its presale at the time of writing. Each coin is worth $0.035, and more than 16,750 people have already bought them.

The project has already raised $16.8 million. More than half of the 170 million tokens that were set aside for this part have already been bought.

Time is running out because the next stage will raise the price by 15% to $0.040. This is your last chance to buy MUTM tokens for less than four cents.

The estimated listing price is $0.06. This means that early investors who bought at $0.01 in Phase 1 already have a 3.5x paper gain, which will grow to 6x when the company goes public.

Mutuum Finance (MUTM) has confirmed that its core lending and borrowing protocol will roll out first on Sepolia testnet in Q4 2025, with ETH and USDT enabled for lending, borrowing, and collateralization. The platform will operate under two models.

Peer-to-Contract (P2C) is a system where lenders put assets like stablecoins and well-known tokens like ETH and XRP into smart contracts that have been checked. Interest rates will change based on usage, which will make sure that cash is used efficiently.

People who give money will get mtTokens in return. These tokens increase in value over time and can also be used as collateral. For instance, an ETH owner who deposits 10 ETH, which is about $30,000, will make an estimated 14% APY, which is $4,200 a year in passive income.

Ethereum (ETH) has a 75% Loan-to-Value (LTV) ratio, which means that a person can put up $1,500 worth of ETH as collateral and borrow $1,125 right away.

Traders will be able to get liquidity without selling their long-term stocks thanks to this structure. This flexibility has generated a lot of interest during times of market volatility.

Peer-to-Peer (P2P) loans for more volatile tokens like PEPE and DOGE will also be possible through Mutuum Finance (MUTM). In this model, lenders and borrowers discuss terms one-on-one, so there is no shared risk.

Lenders take on more risk, but they could make more money, and the way the system is set up keeps instability away from the major liquidity pools.

Collateralization is an important part of the platform. Stable assets, such as ETH and the most popular stablecoins, will be able to handle up to 75% LTV and liquidation levels close to 80%.

On the other hand, dangerous tokens will only be able to handle 35–55% LTV and liquidation levels closer to 65%. This protects against sudden drops in price and makes sure that the system will still work even if there is a coin crash today.

Discounts will be given to liquidators who help settle positions that are in trouble, and reserve factors that range from 10% for safer assets to as high as 55% for volatile tokens will make the pools even healthier.

Building trust while presale momentum accelerates

The presale momentum is being matched with strong infrastructure planning. Investors are being given the ability to track holdings and calculate ROI through a user dashboard that connects directly to wallets.

A Top 50 leaderboard is also being introduced, rewarding the largest investors with bonus MUTM tokens.

Security is being prioritized with a CertiK audit already underway, boasting a Token Scan Score of 90 and a Skynet Score of 79.

To reinforce community confidence, Mutuum Finance (MUTM) has announced a $50,000 bug bounty program with rewards ranging from $200 for low-level discoveries to $2,000 for critical findings. In parallel, an ongoing $100,000 giveaway will reward ten early believers with $10,000 in MUTM tokens each.

Many traders are excited not only about how loans and borrowing work, but also about the way prices are going up, which seems to be similar to how Ethereum (ETH) was growing in its early stages.

If a buyer joined Mutuum Finance (MUTM) in Phase 1 at $0.01, they are already up 250% by Phase 6’s $0.035. It goes up in value by 500% when it goes public at $0.06, which is an impressive result that would stand out in any crypto investor’s portfolio.

Ethereum (ETH) will almost double in value if it hits $10,000 next year, while analysts have already started to imagine how MUTM could reach $1 with the help of exchange listings and user usage.

As work speeds up on it, the beta launch and integrations on big exchanges like Kraken and MEXC will make it available to more people.

More liquidity and visibility will bring in more borrowers, lenders, and stakers to Mutuum Finance (MUTM), which will increase demand for MUTM coins.

Phase 6 is now more than half sold out, so buyers have one last chance to buy MUTM tokens for less than $0.04. The 15% rise into Phase 7 is set in stone, and exchange triggers are still to come.

Traders now see Mutuum Finance (MUTM) as the best Ethereum (ETH) option on the market right now because of its strong pre-sale support, well-thought-out protocol design, and clear growth drivers.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post With 55% sold, price to rise 15% to $0.040; traders call it top ETH alternative appeared first on Invezz