Mutuum Finance (MUTM) to Surge 20% as 80% of Phase 5 Tokens Sell Out, Can It Outpace Bitcoin (BTC) After $118K Breakout?

With Bitcoin (BTC) recently blasting through the $118,000 mark, investor excitement is at an all-time high. But even as BTC makes headlines, a quieter star is rising—Mutuum Finance (MUTM). While BTC captures mainstream attention, early crypto investors are pointing toward a different opportunity—one that’s already shown 3X gains in the presale phase and is now entering a critical price jump as 80% of Phase 5 tokens are sold out. As the race for the next explosive crypto continues, many are asking: can MUTM outpace even Bitcoin (BTC)’s growth in the coming cycle?

Bitcoin (BTC) smashed through its $118,000 all-time high on July 11, 2025, reaching $121,209 by July 17, driven by $2.72 billion in ETF inflows, per CoinDesk. The breakout, confirmed by a bull flag on the daily chart, saw trading volumes double and $658 million in short liquidations, signaling intense institutional buying. X posts note strong accumulation between $116K-$118K, with a 1.8761 long/short ratio on Binance reflecting bullish trader sentiment. 

The CLARITY Act’s regulatory clarity has further boosted confidence. Analysts eye $125,000-$130,000 as the next resistance, with projections of $160,000 by Q4 2025 if ETF momentum holds. However, an overbought RSI at 85.13 and bearish MACD hint at a possible pullback to $116,800-$118,600. Bitcoin (BTC)’s rally underscores its role as a macro hedge, though volatility risks persist amid tariff talks.

Discounted Entry Before the Surge

Momentum is building fast for Mutuum Finance (MUTM). The presale is currently in Phase 5, where the token is available for just $0.03. So far, the project has raised over $12.6 million, attracting a strong base of more than 13,600 holders. With only 20% of tokens left in the current phase, buyers now face a rapidly closing window before the price jumps to $0.035 in Phase 6.

The presale’s success is not a fluke—it’s backed by real fundamentals. Unlike many projects that rely purely on hype, Mutuum Finance (MUTM) is building a full-stack DeFi lending platform designed for both scalability and security. The platform’s upcoming beta launch is set to demonstrate the strength of its infrastructure, supported by Layer-2 integration that brings high-speed, low-cost transactions without sacrificing decentralization.

This Layer-2 advantage will significantly enhance the lending experience on the platform, reducing congestion, speeding up execution, and bringing gas fees down to near-zero levels. Combined with the ability to interact with smart contracts across multiple chains, this makes the MUTM ecosystem well-positioned for widespread DeFi adoption.

Advanced Lending Mechanics With Real Yield

Mutuum Finance (MUTM) is set to redefine decentralized lending with its dual-model approach: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) systems. Designed to serve both bluechip investors and high-volatility traders, these models will enable users to unlock real yield and flexible borrowing opportunities in a fully decentralized way.

Under the upcoming P2C model, a lender will be able to deposit assets—like $10,000 worth of Bitcoin (BTC)—and earn $1,200 at projected 12% APY (depending on pool utilization). Yield will be delivered via mtTokens, smart contract-bound synthetic assets that passively accrue interest while giving users liquidity. No third parties, no manual claiming—just automated, predictable returns hardcoded into smart contracts.

On the other side, the planned P2P lending system will let users post high risk and meme tokens like FLOKI as overcollateralized assets and negotiate loan terms directly with interested lenders. This opens the door for memecoins and niche tokens to participate in decentralized finance—something traditional DeFi protocols rarely support.

The Mutuum Finance (MUTM) ecosystem is built around a decentralized stablecoin model that maintains price stability by minting coins only when borrowers lock collateral to take out loans. These stablecoins are automatically burned upon repayment or liquidation, ensuring a controlled supply that naturally balances demand and prevents inflationary pressure. Governance over issuance parameters and interest rates is handled by MUTM token holders, placing decision-making power directly in the hands of the community.

Analyst Forecasts 25x Growth as Hype Builds

What’s driving investor attention even more is the bold price prediction from a respected analyst known for accurately calling the early waves of BTC and ETH. According to their latest forecast, Mutuum Finance (MUTM) is poised for a 25X surge, moving from its current presale price to a projected $0.75 after listing and broader adoption. With the exchange listing price already set at $0.06, early presale participants have a clear advantage with significant upside still in play.

In addition to the compelling tokenomics and strong roadmap, the project is actively fueling community excitement through a $100,000 giveaway, where ten winners will receive $10,000 worth of MUTM tokens. To reinforce its security commitment, Mutuum Finance (MUTM) has also launched a $50,000 CertiK bug bounty program, inviting ethical hackers to test the platform ahead of the full release.

With Bitcoin (BTC) now above $118K and most altcoins riding on its coattails, MUTM is taking a different path—growing steadily through utility, innovation, and community traction. While BTC might remain the king of crypto, Mutuum Finance (MUTM) is shaping up to be one of the smartest bets of the year—and the clock is ticking for those who want in before the next price jump.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance