Ethereum struggles below $3,500 while this new crypto climbs 250% with less than 6% tokens
December 13, 2025
Ethereum is once again losing momentum under the $3,500 mark, creating renewed uncertainty among traders watching for a clear breakout. While ETH continues to face resistance at familiar levels, a new crypto token priced at $0.035 has climbed 250% during development and is now down to less than 6% of its remaining allocation. The contrast has drawn attention from investors searching for stronger upside potential as the next cycle approaches.
Ethereum’s Market Position
Ethereum remains the second-largest cryptocurrency with one of the deepest market caps in the industry. Its early surge shaped the entire DeFi ecosystem, pushed new applications into mainstream use and helped create the foundation for thousands of projects. ETH has been a central figure in every major cycle.
Today ETH faces a common challenge for large-cap assets. Its valuation is so high that each upward move requires heavy liquidity. Resistance zones near $3,500 and $3,800 limit short-term momentum, and analysts watching its trend say breaking above these levels requires a major catalyst. Without a strong market shift, ETH continues to consolidate and produce slower returns.
Many investors now believe that entering lower-cost tokens with stronger early upside may be more attractive for the 2026 cycle. This is where Mutuum Finance (MUTM) is gaining attention.
Mutuum Finance’s Lending Framework
Mutuum Finance (MUTM) is developing a decentralized lending system built around two different environments. The first is the Peer to Contract market. Users lend assets such as ETH or USDT and receive mtTokens. mtTokens grow in value when borrowers repay interest. For example, if someone lends $500 of ETH, their mtTokens increase as the protocol gains borrowers. This creates APY tied to activity rather than inflation.
The second is the Peer to Peer market. Borrowers form direct agreements with lenders. Rates adjust with liquidity. When liquidity is strong, borrowing stays affordable. When liquidity weakens, borrowing costs rise. Loan to value limits guide safe borrowing levels. If collateral drops too far, liquidation may occur. Liquidators repay part of the loan and receive discounted collateral. This helps stabilize the system when prices change quickly.
This structured model is one reason many traders believe MUTM may outperform large-cap assets that no longer offer fast growth. It gives MUTM built-in mechanics that scale with adoption rather than hype.
Early Growth and Community Expansion
Mutuum Finance began in early 2025 at $0.01. The token has since grown to $0.035, showing a 250% rise even before the protocol launches. The project has raised $19.250M, gained 18,500 holders and sold 815M tokens so far. Out of the 4B MUTM supply, 1.82B tokens, or 45.5%, were allocated for presale rounds.
Phase 6 is now above 96% allocated, leaving less than 6% of tokens available at the current price. Phase 7 will introduce a nearly 20% price increase, bringing MUTM closer to the $0.06 launch price. Early-stage participants from Phase 1 are positioned for 500% growth at listing.
Security preparation is another strong factor. Mutuum Finance completed a CertiK audit, earning a 90/100 Token Scan score. Halborn Security is reviewing contract behavior for liquidation logic, collateral thresholds and interest calculations. A $50K bug bounty is active as well.
Community engagement remains strong through the project’s 24-hour leaderboard, where the top daily contributor receives $500 MUTM. The leaderboard keeps user activity high and provides continuous visibility. Card payment support also gives new participants an easy way to buy MUTM without complex onboarding steps.
V1 and Why Momentum Is Growing
Mutuum Finance confirmed on its official X account that the V1 testnet will launch in Q4 2025. This version includes the lending pool, mtTokens, liquidation engine and debt systems, with ETH and USDT as the first supported assets. The V1 release is considered a key catalyst since it marks the first time live borrowing and lending will occur inside the protocol.
Stablecoin plans add another layer to the project. Mutuum Finance is preparing a USD-pegged stablecoin supported by borrower interest. Stablecoins help lending markets operate more smoothly by reducing volatility and increasing liquidity. They also expand borrowing options and create more efficient markets.
Layer-2 integration is planned to reduce costs and increase speed. Lending systems require fast updates to collateral, interest, liquidation checks and repayment actions. L2 scaling helps improve user experience and allows the protocol to grow without congestion.
Investors monitoring crypto predictions believe these upgrades could position Mutuum Finance for stronger performance than many established assets. With V1 approaching and multiple features preparing to roll out, some traders expect demand for MUTM to rise sharply.
Phase 6 Running Out and Investor Urgency Increasing
The project reports that Phase 6 is almost complete. With less than 6% of tokens remaining at $0.035, urgency has increased among both new buyers and returning participants. A recent whale entry above $100K reduced the remaining supply even faster. Such moves often signal that experienced investors view the current price level as one of the final low-cost windows before larger milestones begin.
With a near-term 20% price increase in Phase 7, many investors are moving quickly to secure positions before pricing moves closer to the official launch rate of $0.06. This urgency has created momentum similar to early DeFi projects that showed strong demand before their first protocol release.
Ethereum continues to consolidate below $3,500, constrained by its high market cap and heavy resistance zones. Mutuum Finance sits at the opposite end of the spectrum. It is early, inexpensive, utility-driven and nearing the most important milestone of its development.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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