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Ethereum continues to face selling pressure as it trades below the critical $2,000 mark, struggling to break a bearish trend line near $1,985. After dipping to $1,905, the second-largest crypto asset mounted a modest recovery, but it now sits under its 100-hourly moving average, signaling persistent weakness. With the hourly MACD losing momentum and the RSI hovering near neutral, ETH appears stuck between support at $1,935 and resistance at $1,985.
A decisive move above $2,000 could open a path toward $2,150, yet failure to clear this level may drive prices back toward the $1,880 floor. As capital rotates away from uncertain large caps, investors are increasingly scanning for what crypto to buy now that offers both utility and clear catalysts. Mutuum Finance (MUTM) has taken the spotlight, with its presale momentum and live testnet drawing attention.
Mutuum Finance operates as a decentralized, non-custodial lending and borrowing protocol built on smart contracts. It derives its value from an active ecosystem where users can supply assets to liquidity pools or arrange direct peer-to-peer loans. The protocol currently operates on the Sepolia testnet, which enables users to test its functions before it becomes available on the mainnet. Testnet users gain access to the testnet assets, which support USDT, ETH, LINK, and WBTC, by minting mtTokens that represent their deposit positions, which will gain value through time. Borrowers can examine lending rates while the automated liquidation engine monitors their collateral status.
A full security audit on the protocol’s lending and borrowing smart contracts by Halborn Security has already been completed, with all recommendations integrated by the team. This working infrastructure separates MUTM from projects that remain conceptual during presale, giving early participants visibility into how the system operates.
The MUTM presale has raised over $20,600,000, attracting more than 19,020 holders since its initial phase. Currently in Phase 7, tokens are priced at $0.04. Phase 7 is filling rapidly, and once it closes, Phase 8 will open at $0.045, giving investors a window to capitalize on a near 20% discount.
The official launch price stands at $0.06 after the presale concludes, but several features could drive the token significantly higher immediately after launch. These include a buyback-and-distribute model, which will use protocol revenue to purchase MUTM from the open market and reward stakers. Additionally, the platform's lending utility and attractive yields could drive more usage to the platform, lifting prices higher.
Mutuum Finance offers mechanisms for ongoing returns through its lending markets. When users supply assets like ETH or USDT to the Peer-to-Contract pools, they receive mtTokens that automatically accrue yield. For example, a lender depositing $7,500 into a pool with 10% APY would see their position grow to approximately $8,250 over one year.
The interest accumulates directly into the mtToken's value, providing a transparent growth mechanism. Borrowers can use their assets to obtain liquid funds through collateral deposits, which allow them to maintain their asset ownership. A user holding $18,000 in ETH, for instance, could borrow up to $13,500 in stablecoins at a 75% loan-to-value ratio, using those funds for other opportunities while maintaining their ETH position. The solution provides benefits to investors who want to keep their assets and to traders who need effective capital management.
To further engage its growing base, Mutuum Finance operates a daily leaderboard where the top contributor receives a $500 MUTM bonus, provided they complete at least one transaction within the 24-hour window. The leaderboard resets daily at 00:00 UTC, encouraging consistent participation.
The project currently operates a $100,000 giveaway, which distributes its entire prize pool to 10 winners who will each receive $10,000 in MUTM. What’s more, recently integrated card purchases have made buying MUTM easier for a large crowd of interested investors. The protocol's live testnet and its organized tokenomics system, together with these incentives, lead to MUTM's successful trajectory.
As Ethereum continues to test support near $1,900, the search for the next crypto to explode intensifies, and Mutuum Finance's combination of presale discount and post-launch utility offers a differentiated opportunity worth taking note of.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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Disclaimer: Analytics Insight does not provide financial advice or guidance on cryptocurrencies and stocks. Also note that the cryptocurrencies mentioned/listed on the website could potentially be risky, i.e. designed to induce you to invest financial resources that may be lost forever and not be recoverable once investments are made. This article is provided for informational purposes and does not constitute investment advice. You are responsible for conducting your own research (DYOR) before making any investments. Read more about the financial risks involved here.
