Best crypto before 2026 bull run? ETH whales choose $0.035 DeFi

In every market cycle, whales move first. They study crypto charts, read the early signals, and load positions before the next big wave begins.

With the 2026 bull run approaching, several large ETH holders are now turning toward Mutuum Finance (MUTM) — a DeFi project designed for sustainable yield and long-term ecosystem growth.

Their focus is clear: they want real on-chain revenue, transparent collateral systems, and scalable models that survive even during a crypto crash. In this article we will share the factors and features that are endorsing ETH whales to shift to MUTM.

Presale, dual-model lending: P2C and P2P power which are rarely found

MUTM is currently in Phase 6 of its presale, priced at $0.035. The project has already raised about $17.25 million, and over 17,000 holders have joined so far. Around 65% of the 170 million tokens in this phase are already sold.

Once this allocation ends, Phase 7 will open at $0.04 — a 15% price jump. For investors entering now, this will be the final opportunity to buy before the next increase which may be just hours away. The growing whale accumulation reflects a clear belief that Mutuum Finance (MUTM) will become a core DeFi name before 2026.

Mutuum Finance (MUTM) will introduce a dual lending structure that blends Peer-to-Contract (P2C) and Peer-to-Peer (P2P) systems. This design will create a flexible on-chain marketplace where users lend, borrow, and earn — all governed by smart contracts.

In the P2C model, users will supply stablecoins and blue-chip assets such as DAI and ETH into audited smart contracts. These pools will generate yield based on utilization. When borrowing demand rises, interest rates will automatically increase, attracting more liquidity and keeping returns high.

Every depositor will receive mtTokens, a digital proof of deposit that tracks both the principal and accrued interest. These mtTokens will also be usable as collateral, giving lenders a new layer of utility within the ecosystem.

Meanwhile, Mutuum’s P2P model will handle riskier or niche assets such as DOGE and SHIB. Here, lenders and borrowers will negotiate terms directly, setting rates and loan durations without relying on shared liquidity pools.

This separation will protect the main protocol from high-volatility assets while still offering higher yields for risk-tolerant users.

Mutuum Finance (MUTM) will enforce strict overcollateralization across all loans. Each position will be monitored by a Stability Factor, ensuring the loan remains safe even during market swings.

When collateral values fall below thresholds, automated bots will trigger liquidations. Liquidators will then purchase the debt at a discount, preventing any chain reaction that could affect pool health. This system will secure the protocol even under the stress of a crypto crash.

Roadmap and testnet launch which is unlike rug pull schemes

Mutuum Finance (MUTM) will progress through four major phases. The first phase focuses on presale initiation, marketing, community growth, the ongoing $100,000 giveaway, and an external smart contract audit — much of which has already been executed.

The second phase will center on building: smart contract development, DApp front-end and back-end creation, and analytics integration.

In Phase 3, the team will finalize core features, conduct external security reviews, prepare for exchange listings, and align with regulatory frameworks before concluding the presale.

Phase 4 will bring the live platform launch, MUTM token exchange listings, claim activation, institutional partnerships, and the start of the $50,000 bug bounty program.

The team has announced the launch of V1 of the protocol on the Sepolia Testnet in Q4 2025. This release will include the first working modules of Mutuum’s lending engine — liquidity pools, mtTokens, debt tokens, and liquidator bots.

ETH and USDT will be the initial supported assets, enabling borrowing and lending under full test conditions before the full mainnet goes live.

These practically followed roadmap and strictly executed testnets are the evidence that the project is seriously being taken up for future.

Unlike many rug and pull schemes or the projects that just talks about promises, Mutuum Finance (MUTM) is already delivering.

Additional strong on-chain demand drivers

Several internal mechanisms will power long-term demand for MUTM. A share of liquidation penalties will flow into the protocol treasury, funding continuous buybacks that reward stakers.

Borrow interest will accumulate in a reserve buffer, strengthening Mutuum’s financial base and ensuring liquidity even during high volatility.

These mechanics will combine with Mutuum’s staking design, where mtToken users will stake their tokens in dedicated contracts to earn MUTM rewards.

Platform-generated revenue will fund buybacks on the open market, distributing repurchased tokens to stakers — aligning rewards directly with protocol performance.

Conclusion

Lastly, Mutuum Finance (MUTM) is becoming more than just another DeFi platform; it’s a financial layer that can stand on its own and is built for security, transparency, and scalability.

Its audited contracts, collateral logic, and whale-driven accumulation are making investors very sure that this project will go up quickly if exchanges list MUTM and lending starts.

This is the last step before the price goes up to $0.04. Phase 6 is now 65% sold out at $0.035.

As ETH whales keep buying more, early investors today are getting ready for the 2026 bull run, which will make them the next generation of DeFi riches.

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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