Ethereum (ETH) is heating up once again. With gas fees finally under control and Layer-2 ecosystems scaling rapidly, the ETH bulls are back.

Capital inflows have returned, and large wallets are once again stacking positions.

While Ethereum (ETH)’s price climbs, the smartest wallets aren’t just sitting on ETH.

On-chain data shows a strategic shift underway—ETH is being used as collateral, not as an exit. The funds?

They’re flowing into one unlisted project that analysts are calling the top 40x opportunity of the cycle: Mutuum Finance (MUTM).

Mutuum Finance (MUTM) is a new decentralized protocol that gives ETH holders the best of both worlds.

Instead of selling into strength and risking missed upside, they are choosing to borrow against their ETH at up to 70% Loan-to-Value (LTV).

This way, they extract liquidity without losing asset exposure. The borrowed DAI or USDT can then be used for new trades, ecosystem participation, or even to buy into early-stage tokens themselves.

The power here lies in Mutuum’s structure: loans have no expiration date, and repayment is fully flexible. As long as the collateral stays above the minimum threshold, the position remains open.

This flexibility is just one part of what makes Mutuum Finance (MUTM) different.

The protocol will support both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models, allowing users to interact with liquidity based on their individual risk appetite.

In the P2C model, blue-chip assets like Ethereum (ETH), Binance Coin (BNB), or Polygon (MATIC) will be deposited into liquidity pools where they will earn yield.

APY will adjust dynamically with pool usage, meaning during volatile markets, lenders will earn even more.

For example, someone who deposits BNB into the P2C pool during a period of high utilization might see APY ranging from 15% to 18%, with earnings compounding automatically through mtTokens.

These mtTokens will grow in value, representing not just the original principal but also the accumulated yield, which can be reused across the platform or even traded elsewhere.

While the platform is still in its presale phase, investor interest is building fast.

Mutuum Finance (MUTM) is currently in Phase 5 of its token sale, priced at just $0.03.

Over $12.1 million has already been raised, with more than 13,000 holders onboard.

This phase is already 70% sold out, and once completed, the price will rise to $0.035.

The final listing price is set at $0.06, but DeFi analysts tracking wallet flows and user growth are projecting a possible 40X return from current levels as lending activity, dividend distributions, and buybacks take effect.

Those who joined in Phase 1 at $0.01 are already 3X up—and the presale hasn’t even ended yet.

Unlike many projects with limited use cases, Mutuum Finance (MUTM) has built an actual revenue engine.

Part of the protocol’s earnings will be used to buy back MUTM tokens from the open market and redistribute them to users who stake mtTokens in the designated cmart contracts.

This means real value is returned to participants, increasing both user retention and token demand over time.

Security-focused investors are also gaining confidence in the protocol. Mutuum Finance (MUTM) has completed a full audit from CertiK, one of the most trusted names in blockchain security.

The protocol earned a Token Scan Score of 95.00 and a Skynet Score of 77.5, demonstrating strong resilience in both static and manual review phases.

To further strengthen trust, the team has launched a $50,000 Bug Bounty Program ahead of launch, welcoming whitehat hackers and developers to identify vulnerabilities before the platform goes live.

This move signals a commitment to safety and long-term sustainability that few presale tokens match.

Mutuum Finance (MUTM) isn’t trying to compete with Ethereum (ETH)—it’s building on its strength.

ETH holders can preserve their upside while putting their capital to work. Lenders earn passive income.

Borrowers unlock liquidity without triggering taxable events. And everyone gains access to one of the most utility-rich presale ecosystems now gaining momentum.

With the $100,000 giveaway entering its final stage—where ten early adopters will win $10,000 worth of tokens—the last window to enter before Phase 5 ends is closing fast.

Every hour matters. Once the current phase sells out, the price jumps by 20%, and the road to a projected 40x return begins its next leg.

This isn’t about waiting for the next ETH rally. That’s already here.

It’s about using that momentum to reposition smartly, where the upside has yet to be priced in. And right now, Mutuum Finance (MUTM) is where capital is quietly but confidently moving.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

The post Ethereum rallies, but wallet data shows a shift to this top 40x opportunity appeared first on Invezz

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