Ethereum Price Prediction: Can ETH Break $4,000 While This New Top Crypto Surges 250%?

Ethereum has entered a complicated phase. Its price is pushing toward key resistance levels, yet momentum remains uneven. At the same time, a new top crypto has already surged 250%, drawing attention from investors who want lower-priced assets with stronger upside potential. With markets shifting and risk appetite changing, the question is simple: can ETH finally break above $4,000, or will new contenders capture most of the interest going into 2026?

Ethereum’s Current Position and Market Limitations

Ethereum is trading around $3,176, supported by a market cap of about $413 billion. With such a large valuation, ETH often moves slower than smaller assets that have room for higher multiples. Investors following crypto charts can see the same pattern repeating: a steady uptrend that loses momentum each time ETH approaches a major resistance zone.

Right now, ETH is struggling with resistance between $3,600 and $3,700. This range has blocked multiple attempts to rally, and without strong volume, the path toward $4,000 remains difficult. On the downside, support sits between $3,000 and $3,300, leaving ETH in a tight range that reflects market uncertainty.

Some analysts note that Ethereum may only climb modestly in the short term. A move from $3,176 to $4,000 is an increase of about 25%, which is solid but not exciting for investors who want higher upside. Because ETH already dominates much of the layer-1 market, growth now depends on broader market conditions, institutional demand and ETF flows rather than rapid organic expansion.

As a result, many investors are exploring what crypto to invest in that offers a better entry price, clearer catalysts and a higher potential appreciation. That search is now leading them toward Mutuum Finance (MUTM).

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is building a decentralized lending and borrowing system designed for a stronger and more flexible DeFi crypto environment. The protocol uses two complementary lending markets:

Peer-to-Contract (P2C)
Users deposit assets into a liquidity pool and receive mtTokens, which track their share of the pool and the yield they accumulate. For example, a user who supplies ETH may receive mtETH. As borrowing activity increases, mtETH grows in value and the user earns passive yield. It’s a simple setup meant to make lending accessible and predictable.

Peer-to-Peer (P2P)
Borrowers can open individual loan positions with different rate types. Variable rates move with market conditions. Stable rates start higher but keep payments predictable when rates change. Borrow amounts are defined by Loan-to-Value (LTV) limits, protecting the protocol against sudden drops in collateral value. If a borrower’s collateral falls too much, liquidations can occur, supported by the protocol’s Liquidator Bot.

Presale Progress, Security, and Community Growth

Mutuum Finance is in Phase 6 of its presale, and demand has been steady. So far, the project has raised $18.8 million and has more than 18,000 holders. The presale started in early 2025 at $0.01, and the current price of $0.035 reflects a 250% increase from Phase 1.

Over 800 million tokens have already been sold, and Phase 6 is now approaching full allocation. The project also runs a 24-hour leaderboard where the daily top contributor earns $500 in MUTM, helping boost activity each day.

Security has also played a role in investor confidence. Mutuum Finance completed a CertiK audit with a 90/100 Token Scan score, and the team maintains a $50k bug bounty focused on identifying code vulnerabilities. These steps help the protocol position itself as a legitimate DeFi crypto player ahead of launch.

Mutuum Finance has also enabled direct MUTM payment using cards, making presale access simple for new users. This accessibility has helped drive more participation as the presale enters its later stages.

Stablecoin Plans and Growing Demand

According to the official X statement, the project’s V1 protocol is set to launch on the Sepolia testnet in Q4 2025. This first version will include the liquidity pool, mtTokens, the Debt Token system, the Liquidator Bot and initial support for ETH and USDT. It’s the point where the protocol shifts from planning to delivery, which is why many investors consider this one of the top crypto to buy now.

Mutuum Finance is also planning to introduce its own USD-pegged stablecoin, minted and burned on-demand. Interest paid by borrowers will flow into the treasury, helping strengthen the protocol and creating an internal revenue engine.

The team also plans to expand onto layer-2 networks, which could increase speed, reduce fees and open the door to more activity. For borrowers and lenders, this means more efficient usage and deeper liquidity once the ecosystem expands.

With Phase 6 nearly sold out, whale participation has increased. Larger allocations early in presale stages often signal confidence, especially when tied to protocols that have clear product milestones. For many investors, whale allocations suggest that upside potential remains strong, especially ahead of a testnet launch and eventual mainnet rollout.

Final Takeaway

Ethereum’s size limits rapid upside. Resistance at $3,600 to $3,700 makes a clean break above $4,000 difficult in the near term, and many investors are now looking toward more accessible tokens with stronger growth potential.

Mutuum Finance, with its P2C and P2P lending models, mtTokens, strong presale demand, robust audit score, upcoming V1 release and long-term roadmap, is emerging as one of the top cryptocurrencies to watch heading into 2026. As Phase 6 sells out and new developments go live, the project is gaining momentum at the right time, while Ethereum continues to wrestle with tight resistance and limited short-term upside.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

---

Disclaimer: This is a Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.