Bitcoin Surges 2.3% to $109,000 on Rate Cut Hopes

Bitcoin (BTC) recently retested the $109,000 mark, marking a 2.3% daily increase and bringing its market capitalization to $2.07 trillion. This surge was driven by hopes of a July Federal Reserve rate cut, following weak U.S. payroll data. The bullish sentiment was further bolstered by a bullish engulfing candle and $407 million in ETF inflows, with Fidelity leading the way with $183.96 million. Analysts predict a potential 1.3x rally to $140,000. However, a hotter-than-expected jobs report, which added 147,000 nonfarm jobs, reduced the odds of a rate cut to 4.7%. This development poses resistance at $110,900, risking a drop to $105,000. Pro-crypto policies from Trump and a weakening U.S. dollar further support the bullish sentiment, but volatility from macroeconomic data persists.

With growing confidence in a Federal Reserve rate cut this July, momentum is pouring into digital assets across the board. While analysts remain bullish on BTC, many investors are exploring newer opportunities, particularly those with more room to grow. One such opportunity is Mutuum Finance (MUTM), which is gaining significant attention.

Mutuum Finance (MUTM) has already raised over $12.00 million and sold more than 68% of its Phase 5 tokens. The current token price is $0.03, but Phase 6 is set to raise it to $0.035, marking a 20% increase and an important shift toward its $0.06 listing. This phase is shaping up to be a critical entry window for both retail and institutional players.

Mutuum Finance (MUTM) stands out from other altcoins due to its focus on delivering real, usable DeFi mechanics rather than mere speculation. The platform is structured around two powerful lending engines: P2C (peer-to-contract) and P2P (peer-to-peer). In the P2C model, users deposit well-known assets into decentralized smart-contract pools. Borrowers can then take out overcollateralized loans with dynamic interest rates adjusted based on pool usage. Lenders receive mtTokens, which represent their share of the pool and automatically accrue interest over time. For volatile or niche tokens, the P2P model provides flexibility, allowing lenders and borrowers to negotiate custom terms directly. Both models maintain non-custodial architecture, require overcollateralization, and employ smart contracts to enforce terms and trigger liquidations as needed, preserving systemic safety.

Security and transparency are essential in decentralized finance, and Mutuum Finance (MUTM) is taking both seriously. The team has partnered with CertiK, a trusted blockchain auditing firm, and launched a $50,000 Bug Bounty Program with rewards distributed across four severity levels. This proactive initiative signals a long-term priority on safety. A prominent Ethereum (ETH) whale recently moved $150,000 into Mutuum Finance (MUTM), marking a shift from holding legacy assets to backing promising early-stage protocols. With over 13,000 current holders and rising, Mutuum is building a growing community of investors looking for scalable, yield-driven opportunities in DeFi. One respected crypto analyst, who accurately predicted Bitcoin (BTC)’s 2020 bull run, has forecasted a post-listing price target of $0.70 for MUTM, implying a 23x return from today’s price and highlighting the momentum Mutuum is building ahead of its exchange debut.

The team is also moving toward its beta launch, with a functional testnet experience expected to go live around the time the token lists. Coupled with a $100,000 giveaway and the platform’s integration with Layer-2 scaling, the user experience is being fine-tuned for lower costs, faster execution, and maximum access. As Bitcoin (BTC) continues its climb past $109,000, long-term investors are looking beyond the majors. In a market full of expensive bluechips, Mutuum Finance (MUTM) stands out as one of the few protocols under $0.04 with a working product, institutional-grade audit backing, and real lending mechanics ready to launch. Phase 6 is just around the corner—and it’s not waiting for anyone.