The Best Crypto That Could Match Ethereum (ETH)'s ROI This Year

Finding a crypto investment that can realistically mirror the early return profile of Ethereum (ETH) has always been rare. Most established assets have already captured their largest upside, while many new crypto launches lack real structure or long-term logic. In this scenario, Mutuum Finance (MUTM) stands out as a project that is still in its growth phase yet already anchored by working mechanics, audited infrastructure, and a clear economic model. As Ethereum (ETH) once benefited from real utility before mass adoption, Mutuum Finance (MUTM) is positioning itself on a similar trajectory, with its presale phase 7 still offering entry at a discounted valuation.

Presale Momentum and Early ROI Signals

Mutuum Finance (MUTM) is currently in presale phase 7, with the token priced at $0.04. The total supply is fixed at 4 billion tokens, a structure that allows room for growth without excessive inflation. Across all completed presale phases, the project has generated around $20.40 million so far, while the number of holders has surpassed 19,000 participants combining all phases. Within the current phase alone, 15% of the allocated 180 million tokens have already been sold, reflecting steady demand as the presale progresses.

This pricing structure highlights a clear gap between early and later participation. An investor who committed $10,000 during phase 1 at an average price of $0.01 would now hold 1,000,000 MUTM tokens. At the current phase 7 price of $0.04, that position is valued at $40,000, representing a 4x increase before public listing. When the targeted milestone of $1 is reached, the same holding will be valued at $1,000,000, illustrating how early positioning has already reshaped portfolio outcomes.

How Mutuum Finance (MUTM) Could Match Ethereum (ETH)'s ROI?

Mutuum Finance (MUTM) is built around a dual lending architecture designed to generate real demand rather than speculative hype. The platform will support both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models, ensuring flexibility across different asset risk profiles. In the P2C system, lenders will pool assets such as stablecoins and major cryptocurrencies into audited smart contracts. Borrowers will access liquidity by providing overcollateralized collateral, while interest rates will dynamically adjust based on pool utilization. As usage increases, rates rise, attracting more liquidity and maintaining solvency through a balanced feedback loop.

Depositors in this model will receive mtTokens, which represent both their pool share and accrued interest. These mtTokens will also function as collateral, unlocking further borrowing without forcing users to exit positions. Borrowers will be able to choose between variable and stable rates, offering predictability or flexibility depending on market conditions.

For higher-risk or less liquid assets, the P2P model will isolate exposure. Tokens such as DOGE, SHIB and similar assets will be lent directly between users, with terms negotiated individually. This structure preserves the safety of core liquidity pools while enabling higher returns for participants willing to assume additional risk. Across both systems, all loans will remain overcollateralized, monitored through a Stability Factor that triggers liquidation when thresholds are breached. Liquidators will close positions at a discount, protecting the protocol from bad debt.

The platform has already reached a key development milestone with the launch of its V1 protocol on the Sepolia testnet. Users can interact with liquidity pools, mtTokens, debt tokens, and an automated liquidator bot while using assets such as ETH, USDT, LINK, and WBTC. This live testing environment allows early users to experience real functionality, reinforcing confidence ahead of mainnet deployment. A user depositing $3,000 in LINK will earn yield as borrowing demand grows, while another locking $6,000 in ETH can access around $4,000 in USDT without selling their ETH exposure.

Security remains central to the project's credibility. In November 2025, Mutuum Finance (MUTM)'s smart contracts underwent a formal assessment by Halborn. The audit identified six issues, including one high-severity finding, all of which were fully resolved before completion. Halborn confirmed that 100% of reported findings were remediated, strengthening trust as the platform advances toward full launch.

Beyond infrastructure, engagement incentives are already integrated. The upgraded 24-hour leaderboard rewards the top-ranked user each day with $500 in MUTM, provided at least one transaction is completed during the period. This system resets daily at 00:00 UTC, encouraging consistent activity and visibility.

Another critical growth lever lies in the buy-and-distribute mechanism. A portion of platform revenue generated from borrowing fees will be used to repurchase MUTM from the open market. These tokens will then be distributed to mtToken stakers, converting real usage into continuous buy pressure. This model rewards active participants and links token value directly to protocol performance rather than inflationary emissions.

According to the known experts, the way the platform is performing, visibility is expected to increase across Tier-1 and Tier-2 exchanges. A live product with built-in utility often meets listing requirements faster, while immediate access to lending, borrowing, and staking creates organic demand from day one. Combined with disciplined liquidity management, controlled loan-to-value ratios, and asset-specific risk parameters, the protocol is structured to function efficiently even during market volatility.

Final Verdict

Ethereum (ETH)'s early growth was driven by utility, adoption, and timing. Mutuum Finance (MUTM) is aligning itself with those same fundamentals while still operating at a presale valuation. With structured tokenomics, audited contracts, real lending demand, and a revenue-backed reward system, the project is positioned to deliver returns that echo Ethereum (ETH)'s formative years. For investors seeking a new crypto with clear logic and scalable design, Mutuum Finance (MUTM) represents one of the strongest contenders to match ETH's ROI narrative this year.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

About Mutuum Finance

Mutuum Finance (MUTM) is an Ethereum-based, non-custodial decentralized finance (DeFi) protocol designed for lending and borrowing digital assets without intermediaries.

Contact Information
J. Weir
Contact@mutuum.com

This release was published on openPR.