<div id="readability-page-1">Joe Lubin, one of the co-founders of Ethereum (ETH), has said again that he thinks Ether will one day go up 100X in value.His words have sparked interest in crypto forecasts, making Ethereum (ETH) a long-term cornerstone of the market. But behind the scenes, whales are turning their attention to an entity they think may have a bigger short-term upside: Mutuum Finance (MUTM). This DeFi system is still only $0.035 in its ongoing presale, but many are talking about it as the next big cryptocurrency in private circles. This isn’t because of hype, but because its economic design directly links token demand to genuine revenue streams.<h2>Joe Lubin predicts 100x Ether amid Wall Street adoption</h2>Joseph Lubin, one of the founders of Ethereum (ETH), predicted that Ether (ETH) would rise 100X by August 31, 2025, making it the world’s main currency, surpassing Bitcoin. The price of ETH is about $4,400, and the trading volume in the last 24 hours was $37.07 billion. Lubin is optimistic about the future of Ethereum (ETH) because he thinks that Wall Street will adopt its decentralised architecture, with financial institutions staking ETH, running validators, and connecting DeFi and layer-2 networks.Technical indications reveal that ETH is testing support at $4,150, with resistance at $4,500 and an RSI of 48. Institutional inflows, such as $341 million in ETF investments and a $160 billion stablecoin supply, make people feel good. Social media reflects excitement over Ethereum (ETH)’s programmability. If $4,868 clears, analysts think the price will reach $5,200, although there are concerns from macroeconomic factors like US tariffs. If it drops below $4,150, it might test $3,950.<h2>Why whales look beyond Ethereum (ETH)</h2>Ethereum (ETH) has been seen as the best platform for decentralised apps for a long time, and many investors will keep ETH as a long-term bet.But whales know that timing is key. Ethereum (ETH) is growing at the rate it is now because institutions are slowly starting to use it. This means that the price may not go up for years. In contrast, Mutuum Finance (MUTM) is getting ready to debut with a live beta platform, Layer-2 scaling, and lending features that will start bringing in funding transactions right away. The choice is becoming clear for whales who want to make money quickly.Mutuum Finance (MUTM)’s Layer-2 infrastructure will be faster and cost less than typical Layer-1 chains. That means that both regular traders and institutions will have an easier time borrowing and lending. The mechanics of the project are what really interest big investors. Mutuum Finance (MUTM) will show off stable-rate borrowing, penalties for liquidation, and Enhanced Collateral Efficiency (ECE) when it launches. These features aren’t just extras; they’re ways to make money that will keep adding value to the protocol treasury, which will make people want to buy MUTM tokens more in the long run.This is why whales are buying into the presale. Mutuum Finance (MUTM) has now raised $15.4 million in Phase 6, with more than 16,000 holders taking part. One-third of the current allocation is gone at $0.035, and the following phase will raise the price by 15%. Anyone who bought in earlier is already seeing gains of more than 100%, while anyone who buys now is getting tokens before the price goes up even more. The CertiK audit also gave Mutuum Finance (MUTM) a Token Scan Score of 95.00, which adds to the project’s trustworthiness. It already has more than 12,000 Twitter followers.<figure><img src="https://imageproxy.pbkrs.com/https://invezz.com/wp-content/uploads/2025/09/JVuChySJTekG6TWmaNvQmUQPrX1PrrORaX4elcHL.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="468" height="73" original-src="https://imageproxy.pbkrs.com/https://invezz.com/wp-content/uploads/2025/09/JVuChySJTekG6TWmaNvQmUQPrX1PrrORaX4elcHL.png"/></figure><h2>Treasury growth and 100x ambitions</h2>Mutuum Finance (MUTM) has a number of ways to bring value into its treasury. Every liquidation on the platform will send penalty fees directly into this pool, ensuring that even during market downturns, the system grows stronger. This makes the system stronger even when the market is down. That treasury will serve as both a safety net and a store of value over time, which will help future token demand.Another characteristic that will help with adoption is Enhanced Collateral Efficiency (ECE). When borrowers use correlated assets like stablecoins, they can get larger loan-to-value ratios without putting the whole system at risk. This will make people borrow more money, which means more fees will be collected. More borrowers means more money for the treasury, which will make it stronger. This will create a feedback cycle that encourages rising token prices.Stable-rate borrowing is perhaps the best thing about it for businesses. Funds and corporate treasuries need things to be predictable, and Mutuum Finance (MUTM)’s methodology will let them lock in payback costs with confidence. As more people borrow money, the interest income will grow the protocol treasury even more, which will make MUTM more valuable and in more demand..Ethereum (ETH) still depends on things outside of its control, like ETF approvals or changes in regulations. On the other hand, Mutuum Finance (MUTM) is building its own engines that will increase the value of its tokens. Every loan, every sale, and every transaction will help it develop. Whales that are used to positioning themselves ahead of big rallies will find this structure to be a good reason to allocate a lot of money.Prices of cryptocurrencies will always go up and down, but whales pay less attention to short-term noise and more attention to long-term revenue models. This is why they are choosing Mutuum Finance (MUTM) over waiting for the next wave of Ethereum (ETH). The project’s protocol performance is directly linked to token demand, which gives investors access to a compounding mechanism instead of just market sentiment.The timing is really important for anyone who wants to invest in crypto right now. The presale for Mutuum Finance (MUTM) is already 33% sold in this phase, and the price will go up in Phase 7, making it more expensive to get in. The $100,000 giveaway that is still going on is another reason for people to buy now. Whales are getting out of the way before the next phase starts because they know that when predicted exchange listings and stablecoin integration happen, the chance to buy MUTM at low prices will be gone.Ethereum (ETH) has a bright future, but this cycle’s best chance is elsewhere. Mutuum Finance (MUTM) is creating a DeFi ecosystem where every activity by a user makes the treasury stronger and increases the demand for tokens. It is being marketed as the breakthrough project with 100x upside potential because it is scalable, has predictable borrowing, and is backed by the treasury. Whales are already buying, and it’s up to normal investors to determine if they will follow before the window shuts.For more information about Mutuum Finance (MUTM) visit the links below:Website: https://www.mutuum.comLinktree: https://linktr.ee/mutuumfinanceThe post Joe Lubin predicts 100x Ether, yet whales favor a $0.035 DeFi crypto appeared first on Invezz</div>

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Joe Lubin, co-founder of Ethereum, predicts a 100X increase in Ether's value by 2025, positioning it as a leading currency. While Ethereum remains a long-term investment, whales are shifting focus to Mutuum Finance (MUTM), a DeFi project currently in presale at $0.035, which promises quicker returns through its innovative features. Mutuum Finance has raised $15.4 million and is attracting interest due to its economic design and potential for treasury growth, making it appealing for investors seeking short-term gains.