Bitcoin has climbed above $116,000 and is now aiming for $120,000. This has renewed excitement in the crypto market. Investors are watching carefully to see if momentum can push it higher. Strong ETF inflows, institutional buying, and favorable technical setups are helping Bitcoin’s rise. If Bitcoin holds above $116K and clears resistance around $117,500, it could reach $119–$120K. But there are still key risk levels below $115,200 that need to hold to avoid a pullback.
While Bitcoin continues to dominate headlines, another project is catching attention. Mutuum Finance, or MUTM, is a decentralized finance platform that combines smart lending with long-term token strategies. Unlike Bitcoin, which moves based on market trends and adoption, MUTM is designed to be useful all the time. Its dual loan system and stablecoin model give investors many ways to earn.
Phase 6 of the MUTM presale is underway at $0.035 per token. About 55% of the 170 million tokens have already been claimed. Over $16.8 million has been raised, and more than 16,750 users are preparing for Phase 7, where the price will rise to $0.040. This shows strong confidence in the platform and interest from investors.
Mutuum Finance uses two lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In P2C, users deposit large amounts like ETH or USDT into pools and earn interest through mtTokens, which represent their share. P2P lending is for high-risk or hard-to-sell assets, allowing direct deals with limited risk. A Stable Interest Rate Model keeps borrowing rates fair and predictable. Borrowers can lock in rates, and the system adjusts if the market shifts to maintain stability.
Security is also a priority. Loans are over-collateralized, meaning the system has a safety net if asset values drop. Liquidators can buy discounted collateral to repay debt, keeping liquidity high. Limits on deposits, borrowing, and collateral types make the system safe while allowing high-quality assets to borrow more.
Mutuum Finance has a clear roadmap. Early phases focused on building smart contracts, the DApp, and infrastructure. Later phases include beta testing, audits, exchange listings, multi-chain expansion, and partnerships. The project has been CertiK-audited and runs a $50,000 bug bounty program to ensure safety. A $100,000 giveaway and AI-powered helpdesk help attract and support the community.
Investors who got in during Phase 1 at $0.01 are already seeing a 3.5× return at $0.035. Analysts expect up to 6× gains at the $0.06 listing and up to 25% medium-term returns through lending income and stablecoin use. MUTM’s utility-driven model offers growth that Bitcoin cannot match in the same time frame.
Phase 6 is almost sold out, and Phase 7 at $0.040 is about to start. With active lending pools, a $1-pegged stablecoin, strong risk management, and upcoming exchange listings, MUTM could outperform other cryptos. Retail investors looking for high-growth, utility-based crypto may want to act quickly before the presale window closes.
