BTC to $120K? Analysts say MUTM hits $5 as capital rotates into DeFi

With Bitcoin (BTC) setting sights on the $120,000 mark in this bullish cycle, crypto analysts are looking beyond the blue-chip rally to the next wave of opportunity. The current sentiment mirrors the 2020–2021 bull run, when Bitcoin (BTC)’s price surge acted as the trigger for a massive influx of capital into decentralized finance. Just as BTC reached new highs back then, DeFi tokens followed with exponential gains. This time, a new generation of DeFi projects is poised to benefit, and Mutuum Finance (MUTM) is at the front of the pack. Analysts have started naming Mutuum Finance (MUTM) as the next breakout token with a direct path to $5, citing its strong fundamentals, real product, and early pricing advantage. The project is designed to thrive as capital rotates from major assets like Bitcoin (BTC) into smaller, high-upside DeFi protocols. Why capital moves from BTC to DeFi Historically, Bitcoin (BTC) leads every crypto bull run. As it breaks into new all-time highs, early investors begin to rotate their profits into altcoins with lower market caps and higher growth potential. In the 2020 cycle, various projects saw explosive gains as users shifted focus to earning passive income and participating in decentralized finance. Once Bitcoin (BTC) momentum stabilizes, attention turns to utility-driven projects with scalable income models. This is where Mutuum Finance (MUTM) is positioned perfectly. Its protocol offers real returns through decentralized lending, appealing to both yield-seeking investors and early adopters of high-performing tokens. Mutuum Finance (MUTM) is built for the next DeFi wave Mutuum Finance (MUTM) is a decentralized, non-custodial lending and borrowing platform where users can earn passive income or borrow against their assets. The system uses smart contracts to allow secure lending in both peer-to-peer (P2P) and peer-to-contract (P2C) formats. It supports a broad range of digital assets including Ethereum (ETH), stablecoins like DAI, and even memecoins like Shiba Inu (SHIB) and Pepe (PEPE)—tokens that traditional platforms ignore. The protocol’s smart lending design adjusts interest rates based on real-time market demand, which ensures consistent earnings for liquidity providers. When users deposit assets like DAI into the protocol, they receive mtTokens, which grow in value as interest accrues. In active pools, this passive income can reach double-digit annual returns depending on utilization levels. This practical income model is a major reason analysts are forecasting a steep climb in value for MUTM as the market turns its attention back to DeFi. At its current price of $0.03, Mutuum Finance (MUTM) is in its Phase 5 presale, with over $9.45 million raised and 11,650+ holders already onboard. Early adopters from Phase 1 saw entries near $0.01, meaning they’ve already tripled their investment. As the next price phases unlock, later participants will face reduced upside. Buying now at $0.03 offers a rare position. An investment of $2,000 secures 66,666 MUTM tokens. Once the token reaches $5, the value of that investment becomes $333,330. Those who wait risk entering at a higher price and earning a fraction of the return. The most significant gains always go to the earliest participants. As one analyst put it, “The people celebrating at $5 are the ones who had the conviction at $0.03.” Security, real product, and passive income: the winning trio Unlike many low-cap tokens, Mutuum Finance (MUTM) isn’t vaporware. It’s a real protocol backed by an audit from CertiK, which scored the token with a 70.00 in its security review. The audit included both static code analysis and manual inspection, and helps build trust for users providing capital to the pools. More importantly, the project is not just preparing for a future product—it is actively building. The team plans to release the beta version of the platform by the time MUTM is live on exchanges. This timing aligns perfectly with the expected rotation of capital from BTC profits into working DeFi products. Passive income is no longer a luxury in the crypto world; it’s a strategy. Mutuum Finance (MUTM) enables users to lend DAI or ETH and earn yield without giving up custody of their funds. This kind of product-market fit matters in a maturing ecosystem where security, usability, and earnings define long-term winners. As BTC climbs toward $120,000, large and mid-sized crypto investors will begin looking for undervalued, functional projects with high upside. Mutuum Finance (MUTM) is already on their radar. With a current market cap that remains a fraction of even the smaller DeFi platforms, MUTM offers the asymmetric upside that smart traders chase after every Bitcoin (BTC) peak. The early numbers already prove the interest is growing. With nearly $9.5 million raised and a community expanding daily, momentum is clearly building ahead of the token’s exchange debut. Add in the ongoing $100,000 giveaway campaign, and it’s clear that Mutuum Finance (MUTM) is doing more than just building tech—it’s building community, liquidity, and attention. Final word Smart money always rotates from secure blue-chip assets like Bitcoin (BTC) into the next opportunity. In 2020, it was DeFi. In 2025, it’s DeFi again—but better. Mutuum Finance (MUTM) is not just following that path; it’s paving a better one. Those who catch this wave early are the ones who win big. Waiting until MUTM is trading at $0.20 or $0.50 means the profit curve has already begun to flatten. The $0.03 price tag won’t last long, and the $5 target is no longer just a dream—it’s a logical destination. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuumfinance.app/ Linktree: https://linktr.ee/mutuumfinance The post BTC to $120K? Analysts say MUTM hits $5 as capital rotates into DeFi appeared first on Invezz

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