Ethereum (ETH) Surges Past $3,600, But This New DeFi Crypto May Offer Bigger ROI

Momentum is returning to the crypto market, and with it, a new wave of interest in decentralized finance. Investors who previously sat on the sidelines are now watching for smart opportunities—not just in the large caps, but also in presale tokens building real utility before launch. Among the top names gaining traction is Mutuum Finance (MUTM), a new DeFi project that’s still in its early phases but showing signs of major upside potential. With a low entry price and real on-chain infrastructure in development, the token is drawing attention from investors looking beyond the usual headlines.

Ethereum (ETH) Breaks $3,600 as Institutional Demand Grows

Ethereum’s price recently surged past $3,600, marking one of its strongest performances of the year. This move has been supported by nearly $900 million in inflows to ETH spot ETFs and increasing staking participation across major protocols. The spike has helped push overall market sentiment higher, giving confidence to altcoin investors and shifting the narrative from caution to opportunity.

ETH’s rally is about more than price action—it’s a signal that decentralized finance is gaining renewed interest at scale. With more developers, funds, and institutions building on or allocating to Ethereum, the timing couldn’t be better for up-and-coming DeFi projects. And that’s exactly where Mutuum Finance comes in.

Mutuum Finance (MUTM) Presale Nears 80% Completion

Mutuum Finance (MUTM) is currently progressing through Phase 5 of its presale, with over 80% of the tokens for this stage already taken. The current rate sits at $0.03, but this will rise to $0.035 once Phase 6 begins—marking a 20% price jump for incoming buyers. Early participants are also eyeing the final launch price of $0.06, which represents a full 100% gain from the current tier.

So far, the presale has raised more than $12.6 million, with over 13,600 holders securing their position ahead of the next phase. That kind of growth in a short time frame is adding urgency to the moment. With a strong narrative around DeFi utility, and Phase 6 expected to sell even faster, many are now treating MUTM as one of the best crypto investment opportunities available before the next market leg up.

Adding to the momentum are initiatives like the project’s $100,000 giveaway and a $50,000 bug bounty program, both of which are helping build trust and bring in new participants before launch.

How the Platform Actually Works

Mutuum Finance (MUTM) is building a decentralized framework that enables users to lend and borrow digital assets through automated smart contracts. The model is built on a non-custodial framework, meaning users always retain control of their deposits and collateral.

When users contribute assets to the protocol, they’re issued mtTokens—flexible ERC-20 tokens that reflect their portion of the liquidity pool. mtTokens gradually increase in redeemable value as interest builds up, allowing users to later exchange them for their deposited asset along with the earned yield. They can also be used within the platform to unlock additional features, such as future staking in the safety module, where participants receive MUTM rewards from the platform’s buy-and-distribute mechanism.

To access a loan through Mutuum Finance, borrowers must deposit collateral that exceeds the value of the amount they wish to borrow. For instance, securing a $1,000 loan might require locking in $1,500 worth of ETH or stablecoins. This overcollateralized model ensures protocol stability and protects the lender’s capital.

Importantly, the entire process is automated. Users don’t have to wait for a counterpart—transactions are handled directly through liquidity pools, with interest rates shifting automatically depending on pool activity.

Stablecoin and Layer 2 Expansion

Beyond its core functions, Mutuum Finance is also developing an overcollateralized stablecoin, pegged to the U.S. dollar and backed by crypto assets deposited directly into the protocol. Interest collected from stablecoin borrowing is routed into the project’s treasury, which helps reinforce the broader ecosystem.

In parallel, the team is preparing to launch its own Layer 2 infrastructure, aimed at making transactions faster and cheaper. This upgrade will help reduce Ethereum gas fees and streamline all on-chain interactions within Mutuum’s protocol—something that becomes increasingly important as user activity scales.

Ethereum’s climb above $3,600 is sending a clear message: the market is warming up, and decentralized finance is back in focus. But while ETH continues to climb steadily, early-stage projects like Mutuum Finance offer investors a very different kind of opportunity—one where real utility meets early pricing.

With its presale quickly approaching the next price hike, a working beta in development, an audited and secure foundation, and long-term value built into its token mechanics, MUTM is shaping up to be more than just another altcoin. For those asking what cryptocurrency to invest in now, especially with the next bull cycle gaining speed, this may be the window to act before launch momentum kicks in.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance