Why Ethereum (ETH) is Not the Top Pick for Whale Investors, Here’s The New Best Crypto to Invest in December 2025
As market conditions tighten, whale investors are becoming more discriminative, and Ethereum (ETH), although more dominant, has started to fall out of favor in large capital investments in December 2025. High transaction fees, increased competition due to the presence of faster layer-1 blockchains, and scalability uncertainty post-upgrade have left the whales less eager to consider ETH, which has long been their go-to expansion tool. In their pursuit of more advantageous assets with greater upside potential, new assets are now getting more attention, and currently, one project getting increasing attention is Mutuum Finance (MUTM).
Touted as the best crypto to invest in, which also has high utilization and is optimal to buy into during the early stages, MUTM is offering true DeFi crypto capabilities, including lending and borrowing on a decentralized platform, interest-bearing tokens, and sustainable, long-term-focused yield design. Priced at a meager $0.035 and currently on the last leg of Phase 6 of its presale, it has already gained more than 18,380 followers and raised over $19.2 million, and more is yet to come as it prepares to launch its V1 Sepolia testnet soon. With attributes including high utilization and optimal growth potential during the first stages, Mutuum Finance is proving to be the new hot DeFi crypto whales are stocking up on during 2025.
Ethereum Displays Resilience but Challenges Key Resistance Areas
Ethereum (ETH) is again showing renewed bullish strength by having supported prices within the $2,880 zone, reclaimed $3,000, and now moving towards the pivotal level of $3,250. Currently, it is also ranging above $3,150 and is doing very well on health charts by remaining well above the 100-hour SMA. If it successfully breaks out past $3,250-$3,320, it is likely to show renewed acceleration towards $3,450-$3,540. If it faces rejection at the pivotal level, it could face a correction towards $3,160-$3,120, and further support could line up at $3,050-$2,980. Although the Ethereum market is showing renewed bullish strength, participants are advised to remain patient and disciplined. In the meanwhile, another sector, which is also attracting increasing attention, is the DeFi showcasing adoption and utilization, allowing new investments to emerge into the arena, including Mutuum Finance (MUTM) as the best crypto to invest in.
Phase 6 Allocation of MUTM to Meet Increased Demand by Investors
Mutuum Finance (MUTM) is gaining notable attention due to the advancement of its presale in Phase 6. The platform started presale back in Q1 2025 with a value of $0.01, and currently, it is at $0.035 in Phase 6, marking a 250% increase before it is finally listed on an exchange. The presale, which is tailored to increase in value after every phase, is beneficial to early buyers, who get to purchase the token at a cheaper rate. With over 95% allocation completed in Phase 6, only a limited number of tokens can be obtained at $0.035, following which Phase 7 starts with a 20% increase to $0.04, approaching the eventual $0.06 launch pricing.
The presale has so far raised more than $19.2 million, with a community of more than 18,380 members. Of the 4 billion MUTM tokens, 45.5%, which is 1.82 billion, has been allocated to the presale, and more than 800 million has been sold. With the scarcity of tokens at Phase 6, it creates an element of FOMO.
Advantages and Uses of Early-Stage Engineers
The presale mechanism of MUTM allows earlier contributors to obtain discounted MUTM tokens, which bear the potential of gains up to 500% after the launch. In addition to the pricing benefits, Mutuum Finance is also working to develop a full-scale DeFi crypto ecosystem. The lending service offered by Mutuum Finance is offered on a dual basis. Peer to Contract Market, also known as pooled liquidity markets, enables lending and allows users to stake assets in exchange for mtTokens, which generate dynamic yields based on borrowed liquidity. On the other hand, Peer to Peer is used to support isolated lending on more risky and specialized assets.
Security, Risk Management, and Platform Resilience
Mutuum Finance has integrated efficient risk management into its protocol. Loan-to-Value ratios and liquidation ratios are dynamically adjusted depending on the volatility of the assets. Thus, assets with lower volatility are eligible for higher LTV ratios, while assets with high volatility are restricted by tight ratios. The reserve multipliers are adjusted between 10%, which is suitable for low-risk assets, and 35%, suitable for high-risk assets. Moreover, Mutuum Finance will use Chainlink oracles to aggregate prices, which are referred to as fallback and composite prices. These prices are used to estimate the value of assets such as USD, ETH, MATIC, and AVAX.
Ethereum is faced with exorbitant costs and scalability issues, which are not attractive to whales. Mutuum Finance (MUTM) has more than 18,380 investors, $19.2M raised, and Phase 6 at $0.035 is close to sold out. Soon, the Sepolia testnet will kick off practical DeFi crypto functionalities, making MUTM the best crypto to invest in today.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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