With Ethereum (ETH) at $3,700, Is It Too Late to Buy? Some Analysts Prefer Mutuum Finance (MUTM) at $0.035 Instead

Ethereum (ETH) has rebounded to $3,700, reviving hopes across the crypto market. But for many retail and early-stage investors, that price tag is already out of reach. While Ethereum (ETH) continues to cement its place in the crypto hierarchy, newer opportunities are emerging that carry far more explosive upside. One such name making rounds is Mutuum Finance (MUTM) — a presale-stage DeFi protocol that is preparing to launch a dynamic ecosystem centered around lending, yield, and a decentralized stablecoin. As ETH consolidates near its local highs, MUTM is turning heads among analysts who recognize the gains still left on the table. Mutuum Finance (MUTM) is not trying to compete with Ethereum (ETH) on infrastructure but is building on top of it with utility-rich DeFi mechanics. The difference lies in growth potential. ETH has already surged over the past year, and while it remains a long-term blue-chip, the percentage upside from its current level is limited compared to tokens in earlier phases like MUTM, which is still trading at just $0.035 during Phase 6 of its presale. With a listing price of $0.06 already set, early buyers are looking at a 70% upside on paper — and that’s before factoring in any momentum-driven rallies after launch. Mutuum’s Yield Model: Where DeFi Lending Meets Smart Rewards Mutuum Finance (MUTM) introduces a dual lending infrastructure built to reward capital in two ways — passive APY returns through P2C (peer-to-contract) lending and customizable lending terms through its P2P (peer-to-peer) layer. It’s designed to benefit both conservative and high-risk investors, while offering borrowers flexibility and cost-efficiency. Through the P2C system, a user can deposit $2,000 in a blue-chip token like AVAX and start earning around 9% APY — translating to $180 per year in passive income without needing to trade or stake elsewhere. Simultaneously, the protocol allows borrowers to access up to 65% of their collateral value — in this case, $1,300 in USDC — while retaining exposure to the original asset. Repayment is fully flexible, with no mandatory due dates, which aligns well with market volatility cycles. Meanwhile, the P2P lending model expands the protocol’s reach by allowing direct user-to-user lending agreements. This is tailored for users who want to lend or borrow less conventional assets outside of the shared liquidity pools, often in exchange for higher yields or risk-adjusted terms. This flexible architecture positions Mutuum Finance (MUTM) as a comprehensive lending engine in the DeFi space. Unlike many yield protocols, the platform doesn’t stop at interest earnings. Users receive mtTokens (like mtETH or mtUSDT) 1:1 upon deposit, which automatically appreciate as yield accumulates. These mtTokens can also be staked in dedicated smart contracts to earn MUTM rewards — creating a layered yield system that encourages long-term users and consistent ecosystem participation. Once the platform goes live on a Layer-2 solution, users are expected to benefit from faster transaction speeds and significantly reduced gas fees, further increasing participation and utility. Presale Momentum and Road Ahead Mutuum Finance (MUTM) is currently gaining traction at $0.035 in Phase 6 of its presale. Already over $13.8 million has been raised, with more than 14,700 holders backing the protocol. Around 7% of Phase 6’s 170 million tokens have been acquired so far, with a steep price jump to $0.040 coming in the next round — a 15% increase that incentivizes immediate entry. With the listing price fixed at $0.06, current buyers are already positioned for sizable gains before MUTM ever hits exchanges. Early supporters from Phase 1, who bought at $0.01, are already up 3.5x on paper — and given the protocol’s traction, future gains beyond the $1 mark remain within sight once full product rollout and user adoption accelerate. Unlike most speculative projects, Mutuum Finance (MUTM) has focused on building trust early. Its smart contracts and codebase have been reviewed by leading security firm CertiK, with a Token Score of 95 and a Skynet security rating of 78. A $50,000 bug bounty program is live, ensuring continual scrutiny and hardening of the ecosystem. The roadmap is already unfolding: presale infrastructure, marketing deployment, and CertiK auditing were all key milestones of Phase 1, now reportedly mostly completed. Upcoming development phases will bring the beta launch, institutional partnerships, stablecoin issuance, and full integration with Layer-2 solutions. The soon-to-launch decentralized stablecoin will be minted at loan issuance and burned upon repayment, ensuring supply control and zero inflation — a stark difference from algorithmic failures seen in previous DeFi cycles. To draw further attention to its ecosystem, Mutuum Finance (MUTM) is offering a $100,000 giveaway , distributing $10,000 worth of MUTM tokens to 10 lucky winners. Combined with more than 12,000 Twitter followers and growing community interest, the buzz surrounding MUTM is only getting louder. For investors weighing the price of entry, Ethereum (ETH) at $3,700 feels like a late game. Mutuum Finance (MUTM), with its $0.035 price tag, powerful yield mechanics, and upcoming stablecoin infrastructure, offers a front-row seat to the next phase of DeFi. As analysts and retail traders rotate toward presale-stage projects with proven roadmaps and built-in incentives, the window to buy MUTM before the next leg up is rapidly narrowing. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post With Ethereum (ETH) at $3,700, Is It Too Late to Buy? Some Analysts Prefer Mutuum Finance (MUTM) at $0.035 Instead appeared first on Times Tabloid .

Source: TimesTabloid