Ethereum has grown into a mature ecosystem. Its growth is slower than before, and staking yields are capped. Large ETH holders are increasingly looking for early-stage crypto projects that can deliver much higher returns. They understand that blue-chip tokens offer stability but limited upside. By rotating capital into utility-driven presale tokens, investors aim to capture asymmetric gains ranging from 5x to 20x—opportunities that are not available in established cryptocurrencies. This trend explains why ETH users are exploring projects like Mutuum Finance (MUTM), a decentralized lending platform that promises real utility and scalable returns.
Presale Status and FOMO
Mutuum Finance (MUTM) has already created strong excitement among early investors. The total supply is 4B MUTM, and so far approximately $18.90 million has been raised and the number of holders has reached over 18,100. The platform is currently in Phase 6, priced at $0.035, with 95% of the allocated 170 million tokens already sold. The next phase will see a 15% price increase to $0.040. For interested investors, unlimited card purchases are already enabled, giving investors institutional-style access. For ETH holders, this is critical because the combination of near-sold-out supply and rising cost basis establishes a short window for entry. Acting now ensures early exposure before the price moves higher and before Phase 7 begins.
What Mutuum Finance (MUTM) Is — And Why ETH Users Understand It Instantly
Mutuum Finance (MUTM) is designed as a decentralized lending ecosystem that offers both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending options. P2C lending pools liquidity from multiple participants to provide safer, more predictable returns. P2P lending allows investors to create customized high-yield loans for more volatile assets. For ETH users, this structure is instantly familiar. It mirrors collateralized borrowing models found in popular DeFi protocols like Aave and Compound.
Mutuum Finance (MUTM) goes further by combining dual-lending flexibility, giving users control over risk and reward in ways blue-chip platforms cannot match. Early entry at $0.035 offers exposure similar to acquiring AAVE before it reached mainstream recognition, providing an asymmetric upside opportunity for investors searching for what crypto to invest in today.
Real Utility and Future Expansion
Firstly, most presales release tokens without a functional product, resulting in stagnation and downward sell pressure. Mutuum Finance (MUTM) is expected to launch its live platform alongside its token, which creates immediate utility. Investors will be able to lend, borrow, mint mtTokens, stake, and interact with live mechanics from day one. This synchronized launch accelerates traction, generates revenue immediately, and strengthens the project’s position with potential Tier-1 and Tier-2 exchange listings. Real activity on the platform drives token velocity, which in turn fuels demand. ETH holders recognize that a token tied to a functional product has a much stronger price floor than speculative assets without utility.
Secondly, Mutuum Finance (MUTM) is built around tangible usage rather than hype. The platform’s planned over-collateralized stablecoin introduces a powerful new use case. Each stablecoin mint will require collateral, increasing total value locked (TVL), while every repayment burns supply, supporting long-term demand. The stablecoin will also serve as a liquidity engine across the entire ecosystem. As the platform grows, additional utility layers will be added, increasing borrowing activity, staking, and buybacks. This expansion enhances the token’s price floor because increased usage creates more fees, more mtTokens staked, and higher buyback volumes. ETH holders will see real, structured value driving token appreciation, rather than relying solely on market sentiment.
Finally, revenue from borrowing fees will fund open-market buybacks, with purchased tokens distributed to mtToken stakers. This mechanism creates a self-reinforcing loop: staking demand locks tokens, buybacks increase price pressure, and rising platform activity scales buybacks automatically. An investor example illustrates the potential: someone who invested $5,000 in Phase 2 at $0.015 now holds tokens valued at over $12K at the current Phase 6 price of $0.035. With future phases and continued platform expansion, projections suggest valuations between $0.25 and $0.50, which could deliver returns many times higher than ETH’s current yield.
Conclusion: Act Now Before Phase 6 Closes
Mutuum Finance (MUTM) plans to launch V1 of the protocol on Sepolia Testnet in Q4 2025. Features will include liquidity pools, mtTokens, debt tokens, a liquidator bot, and initial ETH/USDT support (for lending, borrowing and collateralization). This marks the beginning of a fully functional ecosystem that will continuously add products and revenue streams, reinforcing long-term token value.
ETH holders are moving capital into Mutuum Finance (MUTM) because the upside profile exceeds what Ethereum currently offers. With Phase 6, 95% sold, the price set at $0.035 will soon increase to $0.040. The platform’s functional launch, real utility, stablecoin mechanics, and buyback program provide structured, scalable demand. For ETH users searching for investing in crypto, this is the final discounted entry window before price escalation. Early participation ensures maximum exposure to one of the most promising presale tokens in the market today.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
The post Why ETH Holders Are Moving Capital Into This New Cheap Crypto for High ROI appeared first on Blockonomi.
Source: https://blockonomi.com/why-eth-holders-are-moving-capital-into-this-new-cheap-crypto-for-high-roi/