Bitcoin (BTC) has smashed through $116K and is now aiming for the $120K mark. Bitcoin (BTC) has traditionally been a store of value and a measure of where the cryptocurrency’s prices are going. However, insiders and regular traders are becoming more interested in Mutuum Finance (MUTM) , a decentralized finance protocol that blends a smart lending platform with long-term tokenomics. Bitcoin’s value goes up and down depending on how many people use it and how fast the market grows overall. MUTM, on the other hand, is meant to be useful all the time through its dual loan model and stablecoin innovation, giving investors many ways to make money. BTC road to 120K? Bitcoin (BTC) has broken above $116,000, sparking renewed optimism that $120,000 could be in its sights if momentum holds. This upside push is being underpinned by fresh ETF inflows, strong accumulation from institutional buyers, and a favorable technical setup expanding out of a bull-flag pattern. If BTC can hold above $116K and clear near resistance zones around $117,500, the path toward $119–$120K becomes much more viable. That said, the market still faces key risk levels below $114,800–$115,200, which must hold to prevent a fallback. Lending mechanics and stability drive investor confidence At $0.035, Phase 6 of the Mutuum Finance (MUTM) presale has begun, and about 55% of the 170 million tokens have already been claimed. Over $16.8 million has been raised, and more than 16,750 users are getting ready for Phase 7, which will see the price rise by 15% to $0.040. This pre-sale momentum shows that the market is very confident, and it gives buyers a chance to get in on a project that will be useful and have huge growth potential. The next-generation DeFi platform, Mutuum Finance (MUTM), is based on two loan models that work well together: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). Participants in P2C pools can put up large amounts of money, like ETH or USDT, and earn interest through mtTokens that represent their share of the pool. P2P lending is for goods that are hard to sell or have a high risk of default. It allows for direct negotiations with limited risk. Mutuum’s Stable Interest Rate Model helps both methods work better. Borrowers who choose steady rates get the benefit of knowing what to expect. To balance out the risk of rate changes, an initial rate is locked at borrowing, which is higher than the current flexible rate. If there are big changes in the market, the system will rebalance the rate to keep things fair and stable for liquidity. This method not only keeps lenders and the protocol’s reserves safe, but it also gets more people to borrow money because they know rates will be stable. Every loan has too much security, which makes sure there is a strong safety net against changes in the market. If the value of the collateral falls below the liquidation level, some of the assets can be sold. Bonuses are given to liquidators who buy discounted collateral and pay off outstanding debt. This keeps total liquidity high. Reserve factors take in a small amount of the borrower’s interest, adding another layer of safety against extreme volatility or defaults. The platform also has limits on how much you can deposit and borrow, limited collateralization modes, and enhanced collateral efficiency. These are all meant to make the best use of capital without putting the protocol at too much risk. Through Enhanced Collateral Efficiency (ECE), high-quality, stable assets can borrow more, while unpredictable or illiquid tokens are carefully limited to keep systemic problems from happening. Roadmap, security, and ROI signals Mutuum Finance (MUTM)’s roadmap outlines a clear path to utility and adoption. Phase 2 focuses on building the core smart contracts, DApp front-end, and back-end infrastructure while introducing advanced analytics and risk parameters. Phase 3 will see beta testing on testnet, functional demo launches, final audits, and preparations for exchange listings. Phase 4 is aimed at delivering the live platform, multi-chain expansion, institutional partnerships, and the official activation of MUTM claims. Security credibility further strengthens investor confidence. Mutuum Finance (MUTM) has received a CertiK audit with a 90 Token Score and 79 Skynet Score. Its $50,000 bug bounty program offers rewards by severity: Critical up to $2,000, Major up to $1,000, Medium up to $500, and Low up to $200. Additionally, a $100,000 giveaway and an AI-powered helpdesk support community engagement. Investors who bought MUTM in Phase 1 at $0.01 are already seeing a 3.5× value return at $0.035, and a 6× paper gain is expected at the $0.06 listing. In the medium term, analysts and insiders expect returns of up to 25%. This will happen because of loan income, the use of stablecoins, and platform integrations. MUTM’s utility-driven model sets it up for better growth than BTC’s, which has a more conservative upside compared to its price. This means that both early investors and regular users can make multiples that BTC can’t match in the same time frame. As Phase 6 gets close to being sold out, the next presale step at $0.040 is about to start. MUTM is likely to do better than other crypto coins because it has busy lending pools, a stablecoin that is pegged to $1, strong risk management, and is about to be listed on an exchange. Retail investors who want to get in on high-growth, utility-driven crypto prices should act quickly before the entry window closes. MUTM’s roadmap and long-term mechanics support strong 25¢ returns that are well above BTC’s present path. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post BTC hits $116K, eyes $120K, but insiders tip MUTM for 25x gains appeared first on Invezz
