Bitcoin News Today: Mutuum Finance Presale Nears Completion With 20% Price Hike

Mutuum Finance (MUTM) is a decentralized lending protocol that aims to address the limitations of traditional and decentralized finance (DeFi) borrowing. The project introduces a two-pronged lending model that offers full borrower flexibility, a feature that DeFi users have been eagerly awaiting. This innovation is particularly significant as the world of passive crypto income becomes increasingly competitive.

Bitcoin (BTC) spot ETFs in the U.S. recorded a record-breaking $2.72 billion in net inflows over two days, with $1.17 billion on July 16 and $1.03 billion on July 17, 2025. This marks the strongest two-day run since their January 2024 launch. The surge in inflows has boosted crypto sentiment, potentially lifting the prices of other cryptocurrencies such as Ethereum (ETH), XRP, and Solana (SOL) as institutional capital flows in. The ETF surge has also led to a significant increase in on-chain volume, with 364,000 daily transactions and $61.43 billion in on-chain volume. BTC’s price held at $121,209, with technicals targeting $130,000.

At the core of Mutuum Finance (MUTM) is a borrowing engine that offers fully overcollateralized loans, open-ended repayment options, and flexible risk exposure. Borrowers do not need to worry about strict due dates or rigid repayment plans. Everything is non-custodial and built around overcollateralization. This means users can lock in value without having to liquidate their long-term holdings, while still accessing immediate liquidity. For example, a user deposits 1,000 LINK (valued around $18,000) into the platform. With a loan-to-value (LTV) ratio of 60%, they can borrow $10,800 in USDT instantly, while maintaining full exposure to their LINK position. If LINK appreciates during the loan period, the user benefits from the price gain. Repayment can happen at any time, and once complete, the collateral is unlocked with no penalties. This kind of freedom, paired with smart risk parameters, sets a new standard in DeFi lending.

Mutuum Finance (MUTM) brings both flexibility and safety together through its dual lending structure. The Peer-to-Contract (P2C) model serves blue-chip assets like ETH, BTC, and DAI, enabling users to deposit and earn variable yields via smart contract pools. Meanwhile, the Peer-to-Peer (P2P) system targets riskier or niche assets, giving users the power to negotiate interest rates, durations, and collateral terms for tokens like SHIB, DOGE, and PEPE. By allowing users to borrow against well-known tokens or negotiate custom loans on lesser-known assets, Mutuum Finance (MUTM) is engineering a complete, flexible DeFi experience. This hybrid model doesn’t just widen the user base—it increases long-term engagement across multiple token classes.

Phase 5 of the Mutuum Finance (MUTM) presale is nearly complete, with 80% of tokens already sold. The current price is still holding at $0.03—but not for long. The next phase will raise the price to $0.035, a 20% gain for those who act now. So far, the protocol has raised $12.5 million from over 13,500 holders, many of whom joined during earlier stages. Buyers from Phase 1 entered at just $0.010 and are already sitting on a 300% paper gain. With a confirmed listing price of $0.06, even new Phase 5 participants are looking at a guaranteed 2X gain. But projections go much further. Market strategists who called DOT’s early run are now circling Mutuum Finance (MUTM) with estimates of up to 20x by 2026, driven by its real utility, not hype.

This confidence is also being reinforced by security measures. The project has already undergone a full audit from CertiK, earning a 95/100 Token Scan Score and a 77.5 Skynet rating. A $50,000 Bug Bounty program is now active, covering all vulnerability tiers with rewards for those helping improve system resilience. This is a signal that Mutuum Finance (MUTM) isn’t just rushing to market—it’s building carefully for the long haul. To energize its growing community, Mutuum Finance (MUTM) is also hosting a $100,000 giveaway, adding extra incentive for long-term believers. All of this comes as the platform prepares for the release of its beta version, with core lending functionality and smart contract interactions set to go live around the time of exchange listings. This is not just another speculative token. Mutuum Finance (MUTM) is building a real financial engine, with practical rewards, transparent mechanics, and sustainable architecture. As BTC’s ETF-driven rally shines a spotlight on crypto, investors are searching for the next big narrative. This is how early ETH felt in 2016. Only now, the entry point is still just $0.03.