The post Analyst Says The Best Crypto To Invest In Now is This $0.035 DeFi Token and Not Ethereum (ETH), Here’s Why appeared first on Coinpedia Fintech News

Analysts have scanned the crypto market lately. These experts have pinpointed Mutuum Finance (MUTM) as the best crypto to invest in, in light of Ethereum’s faltering trajectory. This is because Ethereum has breached key supports. ETH has since signaled deeper declines that could slash its value by 60% to around $1,500. 

Meanwhile, Mutuum Finance (MUTM) has surged ahead. The project has raised $17,650,000 since presale inception and amassed 17,300 holders. Phase 6 of its 11-phase presale now unfolds at $0.035 per token, up 250% from phase one’s $0.01 entry, yet 70% filled already. 

Investors eye this altcoin as the top crypto for gains, especially with phase 6’s rapid sell-out looming. The shift underscores why backers pivot toward Mutuum Finance (MUTM) over Ethereum’s woes.

Ethereum’s Downward Spiral Accelerates

Ethereum’s price has plunged below the $3,815 support, reshaping its technical outlook entirely. Traders watched that level hold firm against prior dips, but its fracture now confirms a bearish structure with fresh lows emerging. Sellers dominate rebounds, capping rallies at shrinking peaks that cement the downtrend’s grip.

Worse yet, the weekly Woodies CCI has turned negative, echoing a past 60% rout from highs. Such a repeat would drag Ethereum toward $1,500, a stark reminder of its vulnerability. Volume spikes hint at exhaustion among bulls, while the $3,800 mark clings as the last bulwark.

Bulls cling to hopes of reclaiming $4,500-$4,700. Yet, failure keeps Ethereum mired in red territory. Capitulation looms if $3,400 support crumbles next, a Fibonacci zone turned fragile. Thus, this best cryptocurrency to invest in falters, urging caution for those eyeing altcoins elsewhere.

Mutuum Finance Presale Momentum Builds

Mutuum Finance (MUTM) has opened phase 6, pricing tokens at $0.035 as demand accelerates. Holders have swelled to 17,300, fueled by the protocol’s lending and borrowing blueprint set for Sepolia Testnet in Q4 2025. Core features include liquidity pools, mtTokens for deposits, debt tokens, and liquidator bots, starting with ETH and USDT as assets.

The team just announced this protocol’s development, blending peer-to-contract pools for instant access and peer-to-peer vaults for custom deals. Lenders deposit assets, earning yields via mtTokens redeemable anytime, while borrowers post overcollateral to unlock funds without custody loss. Phase 6 sells out fast now, slashing chances to grab tokens cheap before phase 7 hikes prices 14.3% to $0.04.

Early entrants from phase 1 have netted 250% rises already; current buyers stand to claim 420% ROI post-launch at $0.06. This altcoin’s utility draws crowds, positioning it as the crypto to buy now over fading giants.

Mutuum Finance Security Measures Strengthen

Mutuum Finance (MUTM) has finalized its CertiK audit. MUTM scored 90/100 on token security. The team launched a bug bounty program alongside CertiK, allocating $50,000 USDT across four severity tiers. These are critical, major, minor, and low. Rewards scale with impact, bolstering trust in this best crypto to invest in.

Further, developers rolled out a dashboard tracking the top 50 holders, plus a 24-hour leaderboard resetting at 00:00 UTC daily. The top spot earns a $500 MUTM bonus. This is conditional on one transaction in that window. Recent leaders posted buys of $1,814.27, $1,487.35, and $1,205.37.

Borrow interest rates adapt via utilization, dipping low in surplus liquidity to spur loans or climbing in shortages to draw deposits. Stable rates lock predictability for borrowers, starting higher than variables but rebalancing if gaps widen beyond 90%. Overcollateralization guards positions, with liquidations triggering at set thresholds like 70% loan-to-value, offering bonuses to swift actors.

Deposit and borrow caps limit exposures, especially for volatile tokens, while enhanced collateral efficiency boosts limits for correlated assets like stablecoins. Reserve factors skim interest for a safety pool, higher for riskier picks at 35%. Oracle feeds from Chainlink ensure precise pricing, backed by fallbacks against outages.

To celebrate the presale, Mutuum Finance (MUTM) unveiled a $100,000 giveaway in tokens split among 10 winners at $10,000 each. Participants submit wallet addresses, finish quests, and invest at least $50 to qualify, maximizing entry odds seamlessly.

Protocol Risks Get Layered Defenses

Mutuum Finance (MUTM) categorizes assets by risk, assigning loan-to-value ratios up to 75% for stables like USDT, dropping to 35-40% for volatiles. Liquidation penalties feed the treasury partially, balancing quick resolutions with solvency.

Fallback oracles and aggregated feeds guard price discovery, tapping DEX averages where liquidity flows deep. Volatility tweaks thresholds, granting ETH headroom at 80% before triggers, unlike riskier tokens at 65%. Thus, this top crypto safeguards users, outpacing Ethereum’s unchecked slides.

Ethereum’s breach has amplified doubts, contrasting Mutuum Finance (MUTM)’s steady climb as the best crypto to buy now. Backers secure 420% potential from phase 6 buys, dodging Ethereum’s 60% peril. Join the presale before phase 6 vanishes.

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