BTC holds $107K, ETH eyes $3,100, yet MUTM might be the real 60x story of 2025

Bitcoin (BTC) stabilized at $107,000 with a $2.07T market cap, up 2.5% last week, driven by $7.1B in ETF inflows and Texas’s reserve law. A golden cross signals a 1.2x rally to $125K, but volatility risks $100K.

Ethereum (ETH) traded at $2,424, up 0.5% last week, with $269M in ETF inflows and EIP-7782’s 2x block speed fueling a potential 1.3x rally to $3,100, though $2,800 resistance could trigger a drop to $2,200.

As Bitcoin (BTC) stabilizes above $107,000 and Ethereum (ETH) pushes toward the $3,100 mark, the spotlight is turning toward smaller tokens with outsized growth potential.

Among them, Mutuum Finance (MUTM) is gaining attention for combining real protocol mechanics with tokenomics designed for long-term scalability.

Now in Phase 5 of its presale at just $0.03 per token, the project has already attracted over 12,800 holders and raised more than $11.9 million.

With 65% of the current phase sold out and the next price jump to $0.035 fast approaching, this is a moment of urgency for early entrants.

While the major coins maintain their position, seasoned investors are starting to prioritize utility over hype.

Mutuum Finance (MUTM) stands out by offering a dual lending infrastructure — blending peer-to-contract (P2C) liquidity pools with customizable peer-to-peer (P2P) loan contracts.

That combination gives users broad flexibility to earn or borrow using different strategies, making the platform one of the most adaptive in the new DeFi cycle.

Staking, stablecoin utility, and long-term trajectory

What gives Mutuum Finance (MUTM) a further edge is its plan to generate long-term protocol revenue and distribute that value through mtToken staking.

Users will stake their mtTokens in designated smart contracts to receive MUTM dividends funded by real platform income — not inflationary emissions.

As more users participate and loan activity increases, those earnings are expected to scale accordingly.

The team is planning to launch an overcollateralized stablecoin to be used for treasury growth and internal lending mechanics.

This stablecoin will be backed by reserved assets and is designed to drive protocol liquidity while supporting borrower confidence.

Alongside this, Mutuum Finance (MUTM) plans to integrate Layer-2 scaling, which will lower transaction costs and increase accessibility for users worldwide.

Security remains a key focus, with all smart contracts undergoing a full audit by CertiK. The team has also launched a $100,000 giveaway to onboard new users and incentivize early support ahead of listing.

The listing itself will take place at a $0.06 token price, which means buyers in Phase 5 are already looking at a 100% increase from their entry point — even before the protocol goes live.

One leading altcoin-focused fund has projected a 60x return on Mutuum Finance (MUTM) based on a full platform rollout, stablecoin adoption, and network-driven token demand post listing.

According to that forecast, the token could hit $1.80 by late 2025, placing it alongside early breakouts like Solana (SOL) and Avalanche (AVAX) in terms of trajectory.

Mutuum Finance (MUTM) lending mechanics designed for scalability

The heart of Mutuum Finance (MUTM)’s architecture is its twin-track lending system. The P2C pools will allow users to deposit blue-chip tokens or stablecoins into contracts that lend out the assets based on protocol algorithms.

The more those assets are borrowed, the higher the yield — and each deposit is represented by an mtToken that grows in value as interest is earned.

These tokens offer transparent, real-time yield tracking, and are expected to be one of the key drivers of long-term demand.

For example, a user who deposits $13,000 in USDC will receive mtUSDC in 1:1. Based on an average APY of 17% determined by pool utilization, that user would see $2,210 in annual passive income, entirely automated through the smart contract.

This system removes the need for manual farming and sets a new standard for passive DeFi earnings.

The P2P lending experience will unlock even more versatility. Borrowers and lenders will be able to customize their contracts around different types of collateral, durations, and interest rates.

For tokens that are not accepted by most DeFi platforms — such as memecoins including PEPE, DOGE, SHIB or more volatile altcoins — Mutuum Finance (MUTM)’s P2P module will offer a solution. 

For those waiting for the next big DeFi move while BTC and ETH hold their ground, Mutuum Finance (MUTM) offers a rare opportunity. At $0.03, the window remains open — but not for long.

Once Phase 6 begins, prices move to $0.035, and early access disappears.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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