Bitcoin (BTC) traded at $108,054, up 2.2% last week, with a $2.07T market cap, eyeing a $145K target. Driven by $769.5M in weekly ETF inflows and a golden cross on the daily chart, analysts predict a 1.3x rally, supported by Texas’s $1B BTC reserve and 730K active addresses. A Fear & Greed Index at 66 signals greed, boosting bullish sentiment. However, $110,900 resistance and $2.46B in realized profits indicate profit-taking risks, with a potential drop to $105K if $106,700 support fails. Known analysts highlight $150K as a cycle target, driven by institutional demand, though macroeconomic volatility and a stronger DXY could cap gains.
But now, the conversation is quickly shifting toward next-generation DeFi protocols that offer not only upside potential but also real utility and passive income. At the center of this new momentum is Mutuum Finance (MUTM)—a decentralized lending protocol with a unique model and a fast-selling presale.
Currently in Phase 5 of its presale, Mutuum Finance (MUTM) is priced at $0.03, with over 68% of the supply in this phase already sold. That leaves just 32% of Phase 5 remaining before the price increases in Phase 6. The project has already attracted over 13,000 holders and raised around $12.00 million, making it one of the most watched launches in the DeFi sector right now.
Early participants are already seeing substantial gains. One investor who bought during Phase 2 at $0.015 is sitting on a 2X paper gain. Another buyer who entered during Phase 5 is already primed for a 100% gain by the time the token lists at $0.06. Analysts are already projecting prices between $0.30 and $0.45 post-launch, especially as the protocol’s revenue grows and token scarcity tightens.
What is Mutuum Finance (MUTM)?
Mutuum Finance (MUTM) is a decentralized, non-custodial lending and borrowing platform that blends peer-to-contract (P2C) and peer-to-peer (P2P) mechanics for maximum flexibility. Unlike traditional systems that rely solely on shared pools or closed lending structures, Mutuum introduces an open, composable framework for both passive and active DeFi users.
In the P2C model, users will be able to deposit assets like ETH, USDC, or other stablecoins into decentralized smart contract pools. These deposits will be used to fund overcollateralized loans. Interest rates will dynamically adjust based on demand, and lenders will receive mtTokens—interest-bearing receipts that grow in value automatically as their assets are utilized. These mtTokens can also be staked to earn additional dividends in MUTM sourced from open market buybacks using Mutuum’s protocol revenue, allowing users to compound earnings across multiple streams.
For example, a lender depositing $8,000 in USDC will receive 8,000 mtUSDC in return. As that capital is borrowed by others, the mtUSDC balance accrues interest. When staked, the user unlocks a second layer of earnings in the form of dividends, making this a powerful income strategy for passive DeFi participants.
Meanwhile, the P2P model will allow users to create custom, overcollateralized loans with other individuals. One borrower, for instance, could pledge $4,000 in SHIBA and request a $2,000 loan, negotiating their own repayment terms. All contracts are automated and enforced through smart contracts, removing the need for trust while maintaining control over risk exposure. This dual-structure is what sets Mutuum Finance (MUTM) apart—it’s flexible, trustless, and built for real-world financial utility.
Why investors are paying attention
As the presale moves toward completion, institutional and retail interest is rising. In addition to its lending innovations, Mutuum Finance (MUTM) is also preparing for a Layer-2 deployment to reduce fees and improve scalability, along with a decentralized stablecoin system that will only be minted against overcollateralized loans, backed by high-quality crypto assets.
Security and transparency are also core pillars of the protocol. The team has completed a CertiK audit and launched a $50,000 Bug Bounty Program, rewarding developers who find and report vulnerabilities. This proactive approach reflects Mutuum’s serious commitment to protecting user funds as the platform grows.
Mutuum’s beta version is scheduled to go live at token launch, allowing users to test the lending tools and staking features firsthand. With utility built into every step of the design, the protocol aims to create sustainable value rather than rely on speculation.
Adding to the momentum is the $100,000 giveaway, where ten participants will win $10,000 worth of MUTM tokens—further rewarding early supporters.
As Bitcoin (BTC) continues its journey toward $145,000, many are realizing that real wealth in this cycle will come from protocols delivering long-term value—not just holding coins that react to market trends. With just 32% of Phase 5 tokens remaining at $0.03, the window to get in before the price jumps is narrowing fast.
Mutuum Finance (MUTM) is positioning itself as more than just another DeFi project. It’s a complete ecosystem—combining lending, passive income, and token utility—designed for the future of decentralized finance.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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