Bitcoin News Today: Mutuum Finance Presale Hits $14.3M as BTC and ETH Investors Seek Diversified Exposure

Bitcoin (BTC) and Ethereum (ETH) remain the dominant digital assets in both institutional and retail portfolios, serving as the foundation for digital asset allocation due to their liquidity and established trust. However, emerging protocols with tangible use cases are gaining traction among investors seeking diversified exposure. One such asset is Mutuum Finance (MUTM), a $0.035 token currently in Phase 6 of its presale. MUTM is increasingly being included in the same conversation as BTC and ETH, not as a substitute but as a complementary investment, given its focus on real on-chain economic activity [1].

Mutuum Finance is designed to facilitate decentralized lending and borrowing through both peer-to-contract (P2C) and peer-to-peer (P2P) models. In the P2C structure, liquidity providers deposit assets into smart contract pools and earn yield based on utilization rates. For instance, a 400 LINK deposit could generate $960 in a year if the annual percentage yield (APY) reaches 16%. The P2P model, on the other hand, allows more flexible, high-risk/high-return arrangements, such as a $4,000 USDT loan backed by $7,000 of SHIB, with an 18% APY over 120 days. This flexibility caters to a broader range of investor risk profiles [1].

The platform’s borrowing system is governed by clear loan-to-value (LTV) ratios, ensuring that positions remain collateralized. Borrowers can repay at any time, and liquidations occur automatically if collateral thresholds fall below acceptable levels. This structured approach is intended to balance innovation with risk management [1].

As of now, MUTM has raised over $14.30 million in its presale, with 15,100 holders acquiring tokens at $0.035. The token has passed a CertiK audit with high scores on Token Scan and Skynet, reinforcing its security profile. The audit was initiated on February 25, 2025, and updated on May 20, 2025, reflecting ongoing transparency efforts [1].

Incentives for early adopters include a $50,000 bug bounty program and a $100,000 giveaway for ten winners, each receiving $10,000 worth of MUTM. These initiatives are aimed at encouraging community participation and validating the platform’s robustness. Additionally, Mutuum has a growing social presence, with over 12,000 followers on Twitter [1].

Early buyers have already seen significant gains. A Phase 1 participant who invested $3,000 at $0.01 per MUTM now holds a position valued at $10,500 at the current $0.035 price—a 250% increase. If the token reaches its projected listing price of $0.06, the same position could be worth $18,000, representing a 500% gain. Phase 6 investors also benefit, as the price is set to rise to $0.040 in the next phase, offering an immediate 15% appreciation [1].

With a beta launch on the horizon and potential listings on major exchanges, demand for MUTM is expected to rise. The platform’s dual approach—combining stable-asset yield farming with higher-risk lending—provides a diversified use case that extends beyond speculative trading. Both institutional and retail investors are recognizing the potential for MUTM to enhance portfolio performance without sacrificing stability [1].

The convergence of retail and institutional buying in MUTM reflects broader market trends toward protocols with verifiable utility and scalable applications. As the token moves closer to listing, its growing traction and strategic positioning within the lending sector suggest it may continue to attract attention from a wide range of investors [1].

Source: [1]Top 3 Tokens Retail and Institutions Are Buying Together, BTC, ETH, and This $0.035 Newcomer (https://blockonomi.com/top-3-tokens-retail-and-institutions-are-buying-together-btc-eth-and-this-0-035-newcomer/)