Bitcoin News Today: Bitcoin DeFi TVL surges 1,900% in 18 months, Mutuum Finance presale raises $12.7 million

Bitcoin DeFi is experiencing a remarkable surge in growth. The total value locked (TVL) in Bitcoin DeFi has skyrocketed from $307 million in January 2024 to $6.4 billion by early July 2025. This represents an increase of over 1,900% in just 18 months, indicating a significant shift in the perception of Bitcoin beyond its traditional role as digital gold. Analysts are now viewing Bitcoin as a foundational layer for open finance, which makes evaluating new DeFi opportunities crucial.

One project that has gained significant traction is Mutuum Finance (MUTM). Currently in Phase 5 of its 11-stage presale, Mutuum Finance has already secured $12.7 million in funding. Over 620 million MUTM tokens have been purchased, with the total number of MUTM holders exceeding 13,600 individuals. The tokens in Phase 5 are priced at $0.03 each, representing a 200% increase from the opening phase price of $0.01. With Phase 5 already over 80% filled, the low price opportunity is quickly vanishing. Phase 6 will start soon, featuring a 16.7% price hike to $0.035 per token. Mutuum Finance (MUTM) will launch officially at $0.06, guaranteeing a 100% return on investment at launch for early participants.

Security is a paramount concern in the crypto investment space, and Mutuum Finance prioritizes this through rigorous verification. The team successfully finalized its CertiK smart contract audit, receiving a 95.00 security score. This indicates a very strong security posture, with auditors finding zero vulnerabilities in the audited code and no security incidents occurring within the past 90 days. Additionally, Mutuum Finance launched an official Bug Bounty Program in partnership with CertiK, offering a substantial $50,000 USDT reward pool allocated across four severity tiers: critical, major, minor, and low.

Mutuum Finance actively fosters community involvement through various initiatives. A major $100,000 MUTM giveaway is currently live, with ten lucky winners each receiving $10,000 worth of tokens. Participation requires simple steps, and the project has also launched a new dashboard feature that includes a leaderboard tracking the top 50 MUTM token holders. These leading holders earn bonus token rewards, offering tangible benefits for maintaining their position within the top 50.

Mutuum Finance offers clear utility beyond speculation. Its core is a non-custodial lending protocol where users retain full asset ownership. The system uniquely blends Peer-to-Contract and Peer-to-Peer lending models, providing flexibility and efficiency. Peer-to-Contract uses automated smart contracts offering dynamic interest rates based on market conditions, while Peer-to-Peer enables direct agreements between users, ideal for volatile assets needing custom terms. Mutuum Finance is also developing its own fully collateralized stablecoin, which will operate natively on the Ethereum network. The project’s tokenomics support potential growth, with buying at the current $0.03 presale price offering a clear path to $0.06 at launch. Post-launch, crypto predictions suggest significant appreciation is possible, with many analysts forecasting MUTM reaching $3.50 within its first year, representing substantial upside potential from the launch price.

Bitcoin DeFi’s explosive growth demands attention, and finding projects with solid fundamentals is key. Mutuum Finance (MUTM) demonstrates real-world utility through its lending infrastructure. Its successful $12.7 million presale underscores strong investor belief, and the completed CertiK audit and active bug bounty enhance trust significantly. Current Phase 5 pricing offers a definitive 100% gain at launch, with projections for further appreciation post-launch adding to the appeal. Evaluating this DeFi crypto opportunity seems prudent given the market context.