As institutional investors rotate capital away from legacy digital assets amid macroeconomic uncertainty, a prominent Bloomberg Intelligence strategist now warns that Bitcoin could collapse to $10,000. With the broader crypto market down nearly 45% from its peak and risk-off sentiment dominating, traders are urgently searching for what crypto to buy now that offers both utility and downside protection.
While Bitcoin faces mounting headwinds, Mutuum Finance (MUTM) presents a new narrative, one backed by a live protocol, passive income mechanisms, and a presale structure that has already attracted over 19,000 holders.
What you'll learn 👉
Bitcoin Bleeds as Macro Winds Shift
Bitcoin’s dream of decoupling from traditional finance has died. The asset now moves in lockstep with equities, and when President Trump’s tariff threats rattled markets, BTC plunged from its $126,080 all-time high to current levels near $67,000, a 45% haircut. Mike McGlone of Bloomberg Intelligence sees worse ahead, suggesting a reversion toward $10,000 as the S&P 500 corrects.
Unlike previous cycles where dip buyers rushed in, liquidity is now fleeing. Geoff Kendrick of Standard Chartered echoes the caution, forecasting a slide toward $50,000. While JPMorgan clings to a $266,000 dream, the immediate reality is one of bleeding charts and evaporating confidence. Investors seeking what crypto to invest in must look beyond assets tethered to Wall Street’s whims.
Mutuum Finance (MUTM): Real Yield, Real Utility at a Discount
While Bitcoin holders watch their portfolios wither, Mutuum Finance offers a fundamentally different proposition: a decentralized lending protocol that generates returns. Already live on the Sepolia testnet, the platform supports USDT, ETH, LINK, and WBTC as testnet tokens. The testnet already demonstrates lending, borrowing, and automated liquidation. Upcoming developments when the protocol officially launches on the mainnet include an overcollateralized stablecoin, multi-chain expansion, and Layer 2 integration.
Upon mainnet launch, Mutuum Finance will feature a peer-to-contract (P2C) and peer-to-peer (P2P) lending protocol. In the P2C model, lenders deposit funds in liquidity pools and earn interest. A user supplying $10,000 in ETH can earn between 10–15% APY, that’s $1,000 to $1,500 annually simply for providing liquidity. With P2P, on the other hand, the lender and borrower agree on lending terms. Borrowers, meanwhile, can access funds against collateral without selling assets; depositing $10,000 in ETH at a 75% Loan-to-Value ratio unlocks $7,500 in stablecoins for expenses or reinvestment. This isn’t speculative hype, it’s functioning infrastructure.
Presale Phase 7: The Final $0.04 Window
For those debating what crypto to buy now for short-term gain, the numbers demand attention. Mutuum Finance has raised $20,600,000 since its presale began, with over 840 million tokens already absorbed by 19,030 holders. Currently in Phase 7, MUTM sells at $0.04, a 300% increase from its $0.01 Phase 1 entry. But this price won’t last. Phase 7 is selling out rapidly, and once it concludes, Phase 8 opens at $0.045, a near 20% jump.
The official launch price sits at $0.06 after upcoming phases, meaning current buyers lock in a 50% discount to the debut valuation. Yet analysts project far more. With the full Halborn Security audit complete and mainnet approaching, price targets between $1 and $3 are discussed, translating a $2,500 purchase today into a potential $75,000 position if those levels materialize. The window for $0.04 tokens is closing within days, not weeks.
Staking, Dividends, and the $100,000 Giveaway
Beyond price appreciation, Mutuum Finance rewards long-term holders through its buyback-and-distribute mechanism. A portion of the protocol revenue buys MUTM on the open market and distributes it to stakers of mtTokens, the yield-bearing receipts minted when users supply assets. If the platform generates $500,000 in quarterly fees, a $5,000 staked position could receive $750 in additional MUTM dividends, compounding holdings.
Additionally, a $100,000 giveaway is currently live, set to split $10,000 each among 10 winners. A 24-hour leaderboard adds daily excitement, where the top transactor each day receives a $500 MUTM bonus, resetting at 00:00 UTC. With a fixed supply capped at 4 billion tokens, 45.5% allocated to presale, scarcity will only intensify post-launch.
A Protocol Built for Long-Term Dominance
Unlike Bitcoin, which relies on macro winds, Mutuum Finance generates value through lending activity, fee distributions, and growing user adoption. For investors evaluating the best crypto to invest in during this market turmoil, MUTM offers a rare combination of discounted entry, functional product, and passive income potential. Phase 7 won’t wait, and neither should you.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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