Periods of hesitation often reveal where capital is preparing to move next. When leading assets lose momentum, attention usually shifts toward smaller projects that are still early in their development cycle. This transition rarely happens overnight. It begins with quiet accumulation, growing engagement, and tightening access.
That pattern is forming again. As Bitcoin struggles to regain strength, a new crypto under $0.1 is drawing increasing focus. The contrast between a slowing giant and a fast-moving DeFi project is becoming harder to ignore.
Bitcoin (BTC)
Bitcoin remains the largest asset in the crypto market, with a market cap that still dominates the sector. Its role as the benchmark for crypto prices is unchanged. However, recent price action shows clear hesitation.
BTC has repeatedly faced resistance around the $100K level. Each attempt to move higher has met selling pressure, pushing price back into consolidation. On crypto charts, momentum indicators suggest fading strength rather than acceleration.
Market commentators suggest that Bitcoin’s size now limits its upside potential. Even in a positive scenario, projections often point to a 1.5x to 2x move over the medium term.
While that may appeal to conservative investors, it is less compelling for those seeking higher growth. As a result, some capital is rotating away from BTC toward smaller opportunities where price discovery is still unfolding.
Mutuum Finance (MUTM)
One project increasingly mentioned in this context is Mutuum Finance (MUTM). Unlike Bitcoin, Mutuum Finance is not trying to be a store of value or a settlement layer. It is building a DeFi crypto lending protocol designed around financial use.
The platform focuses on decentralized lending and borrowing. Users can supply assets to earn yield or borrow against collateral under rules that adapt to demand. Interest rates respond to how much liquidity is in use, and risk controls help keep the system balanced as prices change.
A core feature of this design is mtTokens. When users supply assets, mtTokens represent their position and grow in value as interest accrues. This ties user returns directly to activity on the platform rather than fixed rewards.
According to official statements shared by the Mutuum Finance (MUTM) team on X, the first version of the protocol is scheduled to go live on the Sepolia testnet in Q4 2025. This release is expected to introduce liquidity pools, mtTokens, debt tokens, and an automated liquidator system. ETH and USDT will be the initial supported assets.
Presale Progress and Growing Participation
While Bitcoin consolidates, Mutuum Finance has continued to attract steady participation. The project launched its token distribution in early 2025 using a phased pricing model. Each stage offers a fixed price and a limited allocation.
MUTM is currently priced at $0.035 and remains under $0.1. Since its starting price of $0.01, the token has recorded a 250% increase. The official launch price is set at $0.06, reflecting the structured rise through each phase.
So far, Mutuum Finance has raised $19.4M and grown to over 18,500 holders. More than 820M tokens have already been distributed from a fixed total supply of 4B. About 45.5% of the supply was allocated for early distribution.
Phase 6 is now over 99% allocated, signaling that remaining access at the current price is limited. As allocation tightens, participation has remained active rather than slowing.
Community engagement is supported through a 24-hour leaderboard that rewards the top daily contributor with $500 in MUTM. This encourages consistent involvement and visibility as the project moves closer to its next stage. MUTM payment access has also been introduced, expanding how the token can be used within supported payment flows.
Infrastructure Planning
Beyond the initial release, Mutuum Finance has outlined infrastructure plans aimed at long-term use. One key element is a stablecoin backed by borrower interest. This asset is designed to integrate with the lending system and support lower-volatility use cases.
Accurate pricing is critical for lending protocols. Mutuum Finance plans to rely on decentralized oracle infrastructure, including Chainlink data feeds. Fallback and aggregated pricing sources are also part of the design to help maintain fair valuations and safe liquidations during volatile periods.
Security preparation has progressed alongside development. Mutuum Finance completed a CertiK Token Scan with a score of 90/100. In parallel, an independent audit by Halborn Security is actively reviewing the finalized lending and borrowing contracts.
A $50k bug bounty adds external review ahead of broader testing. These steps are commonly seen as prerequisites for top crypto projects preparing for live environments.
Why the Contrast With Bitcoin Matters
The difference between Bitcoin and Mutuum Finance reflects a broader market dynamic. Bitcoin’s size offers stability but limits rapid growth. New crypto projects like MUTM operate at a scale where adoption, development milestones, and supply dynamics can still have a strong impact on price.
Some analysts believe that if Mutuum Finance successfully transitions into live usage after V1, gains beyond the launch price are possible. In a bullish scenario, projections show potential growth in the 200–300% range from current levels. These crypto predictions depend on execution and market conditions, not guarantees.
As BTC consolidates, attention is shifting toward projects where growth is still forming. For investors tracking crypto news and asking what crypto to buy now with higher upside potential, the contrast between Bitcoin and MUTM helps explain why this new DeFi crypto is accelerating toward a full phase sellout.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: <https://linktr.ee/mutuumfinance](https://linktr.ee/mutuumfinance)
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This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.
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