As Ethereum (ETH) grinds through a gradual recovery phase, traders are scanning the market for faster-moving opportunities. That search is leading many toward a $0.04 DeFi crypto, Mutuum Finance (MUTM), building momentum. MUTM is drawing attention as a top crypto to buy, combining low entry pricing with rapid growth and expanding utility. This DeFi crypto is capturing interest from investors looking beyond ETH.
Ethereum Faces Short-Term Resistance
Ethereum (ETH) recently faced strong rejection near $2,111, with bears defending aggressively and keeping momentum under check. The next key support lies at $1,750, with a further downside target of $1,537 if that level fails, while strength would only be confirmed above the $2,364 EMA. ETH remains fragile in this consolidation phase, highlighting why some investors are exploring newer DeFi crypto projects that could perform better.
mtTokens: Passive Income on Your Deposits
Mutuum Finance offers mtTokens, which are interest-bearing tokens minted whenever users deposit assets into P2C lending pools. These tokens accumulate interest automatically, allowing investors to earn without actively trading. For example, depositing 30,000 USDC into a pool with a 9% APY would mint 30,000 mtUSDC. Over a year, this position has generated $2,700 in interest. This has made MUTM a top crypto to buy for those seeking passive income streams.
Variable vs. Stable Rates
Mutuum Finance provides a versatile borrowing system that adapts to different investor strategies through variable and stable interest rates. This flexibility allows users to optimize borrowing costs based on market conditions and personal goals. Variable rates fluctuate with supply and demand in the lending pools, making them ideal for short-term trades or opportunistic borrowing.
For example, a trader borrowing $12,000 USDT for a 30-day arbitrage could pay a variable rate of 4% APY, incurring roughly $40 in interest while capitalizing on market opportunities efficiently. Stable rates, by contrast, lock in interest for the entire loan term, providing predictability and protection from rate spikes. A borrower taking $20,000 for six months at 7% APY would accrue around $700 in interest, ensuring cost certainty even if variable rates rise.
Boosting Fees and Rewards
Mutuum Finance is adopting a multichain strategy that could boost rewards for its community, specifically stakers. By operating across multiple blockchains, the protocol can collect fees from each network and share a portion with mtToken stakers.
For instance, if Ethereum generates $300,000 in protocol fees and two additional chains generate $250,000 each, total fees would reach $800,000. Allocating 30% ($240,000) for a buyback-and-distribute program allows the protocol to repurchase MUTM tokens and redistribute them to mtToken stakers. This multichain approach strengthens its case as the top crypto to buy in the current market.
MUTM Presale: Early Gains and Future Potential
For smart investors, Mutuum Finance (MUTM) provides an attractive entry point into the DeFi crypto market. In Phase 7 of its presale, MUTM is priced at $0.04, up from $0.01 in Phase 1, delivering a 300% profit for the earliest backers. Phase 8 is expected to raise the price to $0.045, creating urgency for investors to take advantage of the current price. These increases will continue until the token debuts at $0.06. Phase 7 is as cheap as MUTM will cost, making now the best time to invest in the crypto.
With over 19,000 participants and more than $20 million raised, the presale demonstrates strong community confidence and highlights MUTM as a promising DeFi crypto investment with both early-stage upside and long-term growth potential.
As Ethereum faces a slow, resistance‑capped recovery, traders are rotating capital into faster‑moving opportunities. Mutuum Finance (MUTM) is emerging as that play, a DeFi crypto priced at just $0.04 with a live lending platform, passive income through mtTokens, and a multichain strategy designed to boost fees and rewards. With a presale that has already raised over $20 million and delivered 300% gains to early backers, MUTM is rapidly becoming a top crypto to buy for investors seeking explosive upside beyond Ethereum’s measured climb.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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