BTC dips 1.2% at $120K, could this crypto hit $4 in under a year?

Bitcoin (BTC) fell 1.2% 

Bitcoin (BTC) fell 1.2% in the last 24 hours, trading at ~$118,400, as it struggles to break the $120,000 resistance level.

Despite record ETF inflows surpassing $55 billion, including $477.93 million recently led by BlackRock’s IBIT, profit-taking and macroeconomic pressures are weighing on BTC.

On-chain data shows 40,000 BTC ($4.7B) moved to exchanges, signaling whale selling, while miners’ revenue pressures (MPI at 2.78) add downward force. 

Technical indicators, including a neutral RSI (~50) and a bearish MACD crossover, suggest consolidation between $116,000 and $120,000.

Posts on X highlight $2.4 billion in weekly ETF inflows failing to lift prices, with bears targeting $113,000 support. Institutional buying and pro-crypto policy optimism remain, but US-China trade tensions and low summer liquidity hinder a breakout. A close above $120,000 could spark a rally to $125,000.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) isn’t just another protocol promising passive income. It’s laying the foundation for a fully non-custodial ecosystem where users will be able to lend, borrow, and stake within a smart contract network.

At its core, the platform is building a decentralized stablecoin that will maintain a consistent $1 peg by minting tokens only when loans are issued and burning them on repayment. 

That process will anchor the stability of the system while driving adoption. Lenders receive mtTokens—programmable DeFi assets that combine yield and liquidity into one tradable token—while borrowers lock blue-chip assets to access capital.

The result is a circular economy where value is constantly flowing, and those providing liquidity are rewarded through revenue-based MUTM token buybacks.

Currently in Phase 6 of its presale, Mutuum Finance (MUTM) is priced at just $0.035. Over $13.85 million has already been raised, and more than 14,800 investors have joined the early-stage network. With 7% of the 170 million MUTM tokens allocated to this phase already sold, the demand is clearly gaining momentum.

The next phase will push the price up to $0.040—a 15% increase—and once the public listing hits $0.06, early buyers will already be sitting on gains. For those seeking a serious ROI window, this is one of the last chances to acquire MUTM at such a discounted rate.

A significant appeal of Mutuum Finance (MUTM) lies in its token structure and long-term value proposition. The mtTokens issued during lending represent not just deposited assets but also the real-time yield accrued.

These tokens can be staked or traded across secondary markets, creating new layers of utility and liquidity that many current DeFi assets lack.

As the platform moves into its next stages, several key catalysts are lined up: the launch of the Mutuum Finance (MUTM) stablecoin, full deployment on a Layer-2 network to reduce gas costs, and implementation of core smart contracts.

4-stage roadmap

The roadmap offers a clear and transparent outline of Mutuum Finance (MUTM) Finance’s development journey. The project has completed major portions of Phase 1, which included launching the presale, executing marketing campaigns, initiating a giveaway, and completing a smart contract audit.

It is currently advancing toward Phase 2, which focuses on building the core infrastructure, such as smart contracts, the front-end DApp, and backend systems. 

Phase 3 will involve finalizing the platform, including testnet beta testing, completing all development components, and preparing for exchange listings.

The live launch, token claims, and full feature rollout will occur in Phase 4. This phased structure ensures a stable and well-timed delivery of features, with real user onboarding and DeFi functionality expected post-mainnet launch—not before the listing—aligning user access with platform readiness.

From $2,000 to $4.6K, and a path to $4 still in sight

Bitcoin (BTC) remains the macro favorite, but in times of stagnation, altcoins with real fundamentals tend to outperform. Consider this: an investor who rotated $2,000 from Avalanche (AVAX) into Mutuum Finance (MUTM) during Phase 2 at $0.015 is now holding nearly $4,600 at the current Phase 6 price of $0.035.

At the projected post-listing price of $0.06, that investment will climb to $8,000. But the real upside comes with long-term forecasts.

At $4 per token—a target many insiders believe to be within reach given DeFi adoption trends—that same $2,000 investment becomes worth over $525,000. That’s more than 100x growth, far outpacing any realistic one-year performance scenario for BTC.

This explosive upside is rooted in real protocol design. P2C lending, a central part of the Mutuum Finance (MUTM) ecosystem, will demonstrate how blue-chip crypto holders will earn high APYs or unlock capital efficiently.

For example, a MATIC holder deposits $8,000 into a lending pool and earns a 9.5% APY, bringing in $760 annually without touching the principal.

Simultaneously, a borrower will be able to lock that MATIC and draw 65% of its value in USDC—roughly $5,200—while the platform earns from fees, redistributing part of the revenue to MUTM holders through buybacks.

Conclusion

Add to this a strong focus on security: a $50,000 bug bounty is live in partnership with CertiK, and the platform has passed manual and automated security checks with scores like 95.00 on Token Scan and 78.00 on Skynet.

The presale also includes a $100,000 giveaway campaign where ten winners will each receive $10,000 worth of MUTM, boosting community engagement and early user participation.

While Bitcoin hesitates just above $120K, the DeFi world is beginning to look elsewhere. Mutuum Finance (MUTM) is building to offer more than speculation—it provides functional products, growing incentives, and a sustainable framework.

At $0.035 today, with the next price hike just around the corner, the window for maximum upside is rapidly closing.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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