Ethereum (ETH) has delivered a remarkable 2x run in recent months, but the pace of its climb is showing signs of slowing. Traders watching crypto charts now see that ETH, while strong, may not deliver the same explosive growth in the short term. This slowdown has reignited the discussion of which crypto coins will step up as the “next ETH” during the upcoming cycle. Among the names gaining traction is Mutuum Finance (MUTM) , a penny crypto with both utility and strong presale traction that is shaping up to be a future market contender. Mutuum Finance (MUTM) is positioning itself as a project that blends sustainable lending mechanics with lucrative staking opportunities. As investors search for tokens that can outperform flat crypto prices, MUTM is emerging as the token that pairs technical design with real investor momentum. Utility, security, and urgency driving MUTM forward At the center of the discussion is Mutuum Finance (MUTM)’s presale performance. In its current Phase 6, the token is priced at $0.035 and has already raised $15.3 million with over 16,000 holders joining the network. Almost 32% of this phase has already been sold, and with the next step moving to $0.040, urgency is building for investors to secure their allocation before the price moves again. This strong presale traction is not just about numbers—it is also underpinned by security. The project has undergone a CertiK audit, scoring 95 on Token Scan and 78 on Skynet, demonstrating confidence in the protocol’s design. Beyond presale demand, Mutuum Finance (MUTM) is putting forward lending utilities that will attract both retail and institutional users. Peer-to-collateral (P2C) lending will allow holders to unlock liquidity without selling their crypto coins. A simple example illustrates how this works: an investor holding $10,000 worth of BNB will be able to borrow $7,500 in USDT against it at a 75% loan-to-value ratio. On the other side of the platform, lenders will be able to earn competitive returns. For instance, deploying $20,000 worth of SOL at 9% APY will generate $1,800 in yearly income, turning unused assets into yield-generating positions. To complement this, Peer-to-Peer (P2P) lending will be introduced, which will allow direct interaction between borrowers and lenders. This approach will move away from the shared liquidity pool model, isolating volatile tokens from the protocol’s reserves while providing participants with greater control. Lenders will have the freedom to demand higher yields, while borrowers will negotiate flexible repayment terms. This will open opportunities for assets traditionally considered too risky for pooled capital systems. Risk management Risk management will remain central to Mutuum Finance (MUTM)’s lending design. Liquidation thresholds are set carefully: stable assets like ETH will be capped at 80% LTV, ensuring loan stability, while more volatile meme coins will be capped at 40% LTV to protect solvency. This kind of balance between flexibility and security is why analysts are highlighting MUTM as a token with long-term sustainability. Mutuum Finance (MUTM) is also working to reinforce community trust with a $50,000 bug bounty program, rewarding developers who help strengthen security, and a $100,000 giveaway designed to reward early adopters. With more than 12,000 followers already engaged on Twitter, the project is gaining strong social traction ahead of exchange listings. On the investment side, the numbers are catching traders’ attention. A Phase 1 buyer who swapped 2 BTC, when prices stood at $60,000 each, into MUTM at $0.01 is already sitting on a position valued at more than 3.5x today at $0.035. When the listing goes live at $0.06, this holding will already represent a 6x gain. With listings anticipated on exchanges like Binance, Coinbase, KuCoin, and Kraken, the token’s momentum is projected to rival Ethereum (ETH)’s early adoption surge. Why traders see MUTM as the next ETH alternative Ethereum (ETH)’s growth story has already been written, but investors know that its room for exponential expansion is narrowing. Traders who once relied on ETH for massive upside are now scanning crypto charts for new names that will replicate its trajectory. This is where Mutuum Finance (MUTM) enters the spotlight. It combines presale urgency, real-world lending utilities, strict risk mechanics, and strong security—all packaged in a way that appeals to both whales and retail buyers. ETH had its cycle-defining moment, but the spotlight is now shifting. As traders debate the next big crypto, Mutuum Finance (MUTM) is emerging as the project that will carry the narrative forward. By the time the next bull market takes shape, analysts expect MUTM to be one of the defining success stories of the 2026 cycle, with growth momentum strong enough to rival Ethereum’s (ETH) legendary run. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post After 2x ETH’s growth slows, traders debate next big crypto — is MUTM next ETH? appeared first on Invezz
