Ethereum Holders Borrow 70% LTV to Invest in Mutuum Finance

Ethereum (ETH) is experiencing a resurgence, with gas fees under control and Layer-2 ecosystems rapidly scaling, attracting significant capital inflows and large wallets stacking positions. While Ethereum's price is climbing, on-chain data reveals a strategic shift among smart investors. Instead of holding ETH, they are using it as collateral to borrow against at up to 70% Loan-to-Value (LTV), extracting liquidity without losing asset exposure. The borrowed DAI or USDT can then be used for new trades, ecosystem participation, or investing in early-stage tokens.

One of the top destinations for these funds is Mutuum Finance (MUTM), a new decentralized protocol that offers ETH holders the best of both worlds. Mutuum Finance allows users to borrow against their ETH without an expiration date on loans, providing full flexibility as long as the collateral stays above the minimum threshold. This flexibility is complemented by Mutuum’s support for both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models, catering to different risk appetites. In the P2C model, blue-chip assets like Ethereum (ETH), Binance Coin (BNB), or Polygon (MATIC) are deposited into liquidity pools where they earn yield. The Annual Percentage Yield (APY) adjusts dynamically with pool usage, meaning lenders earn even more during volatile markets. For example, someone who deposits BNB into the P2C pool during high utilization might see APY ranging from 15% to 18%, with earnings compounding automatically through mtTokens. These mtTokens represent not just the original principal but also the accumulated yield, which can be reused across the platform or traded elsewhere.

Mutuum Finance (MUTM) is currently in Phase 5 of its token sale, priced at $0.03, with over $12.1 million already raised and 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 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, earning 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.