Bitcoin is making headlines again, this time with bold projections pointing to a surge toward $137,000 by the third quarter of 2025. As U.S. Treasury liquidity injections continue to fuel financial markets, analysts are turning increasingly bullish on BTC. But while the world’s largest digital asset charts its macro-driven path to new highs, a lesser-known DeFi token—Mutuum Finance (MUTM)—is drawing attention for a completely different reason: it’s still in presale at $0.025, and early backers are eyeing far more aggressive returns.

When it comes to crypto investing, the upside often lies where the mainstream hasn’t fully turned its focus yet. And that’s exactly where MUTM stands right now.

Bitcoin’s (BTC) macro moment

The renewed optimism around Bitcoin isn’t without foundation. Since February, the U.S. Treasury has injected $500 billion into markets by reducing its Treasury General Account (TGA), boosting liquidity across risk assets. This drawdown has helped lift net Federal Reserve liquidity to over $6.3 trillion, with expectations of hitting $6.6 trillion by August.

Historical data supports the connection: Bitcoin has closely followed global liquidity trends more than 80% of the time over 12-month windows. With the current drawdown expected to resume post-tax season, traders believe BTC could break through major resistance levels, potentially reaching a new all-time high near $137K by Q3.

But for many investors, that’s a 60–70% upside from its current levels. Impressive—but not life-changing. And certainly not the only place where capital is flowing.

Mutuum Finance (MUTM)

While Bitcoin’s momentum depends heavily on macroeconomic tailwinds, Mutuum Finance is building something that stands on its own. It’s a decentralized finance protocol designed to simplify lending and borrowing without relying on intermediaries.

Currently in its presale phase, MUTM is priced at $0.025, with future phases pushing the token to $0.06 before public launch. That alone offers over 2x in fixed returns for those entering now. But what has analysts talking is what happens after: platform rollout, exchange listings, and a real use case coming online—all in the span of a few months.

Mutuum’s structure gives it flexibility and appeal across the DeFi spectrum. Users will be able to deposit stable assets like ETH or USDT and earn passive income, or borrow directly against their holdings without liquidating them. The protocol supports both peer-to-contract lending and peer-to-peer arrangements, allowing for custom terms and asset exposure—including memecoins like PEPE and DOGE.

That range of functionality, combined with a buy-and-redistribute mechanism (where a portion of protocol revenue is used to purchase and circulate MUTM tokens), lays a foundation for long-term demand. It’s a model designed to grow with usage, not just with speculation.

Early interest has been strong. Over 8,200 on-chain holders have joined the presale, with more than $6.7 million raised. And as the platform moves toward a beta release shortly after launch, the upside only becomes more tangible.

From $0.025 to $2.50 and beyond?

When MUTM reaches just $2.50, that’s a 100x return from current levels. For a token designed with in-protocol utility, backed by active development, and tied to revenue mechanics, that target is no longer speculative—it’s strategic. The path is clear: presale, platform beta, exchange listings, organic demand. The timeline is short, and the entry point is fixed—for now.

With expectations that MUTM will be listed on major exchanges in the coming months, pricing will no longer be controlled by presale stages. At that point, the market will set the value—and by then, the early advantage will be gone.

Bitcoin’s run to $137K, while impressive, is still shaped by institutional momentum and macro policy. For those already invested, it’s a win. But for those asking what crypto to invest in today for true upside potential, MUTM presents a very different—and arguably more powerful—case.

It’s still early. It’s still underpriced. And it’s building utility before the hype begins.

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

Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance

DISCLAIMER – “Views Expressed Disclaimer: This article is not financial advice. Cryptocurrencies are volatile and unpredictable. Due diligence and caution are paramount. Views and opinions expressed are those of the authors and do not reflect the official position of any other author, agency, organization, employer or company, including NEO CYMED PUBLISHING LIMITED, which is the publishing company performing under the name Cyprus-Mail…more