Institutions have collected over 400,000 BTC by 2025, which shows once again that large money is not leaving the industry. It explains why crypto values are still stable today, even though different coins are always changing.

Even if this institutional stacking is getting a lot of attention, a lot of traders are wondering what’s going on with crypto today outside Bitcoin (BTC), which is a safe haven.

The truth is that BTC is powerful, but it doesn’t have much room to grow compared to low-cap coins with scalable utility.

Analysts are keeping a careful eye on Mutuum Finance (MUTM) because it is now trading for only $0.035 in its presale and is being talked about as a possible candidate for 250x-style returns this cycle.

Bitcoin (BTC) is stable, but it doesn’t give investors the same quick gains that early investors in MATIC or SOL used to get.

The true draw for traders looking at crypto charts is finding penny enterprises that are actually making products, building communities, and using tokenomics to ensure both growth and long-term viability.

MUTM is in that group, and its presale progress has already brought in 16,200+ holders and raised $15.50 million in Phase 6 alone.

Some analysts are starting to say that this could be the penny crypto of September that goes up a lot while institutions focus on BTC.

Institutions have bought 400,000 Bitcoin (BTC) by 2025, which has pushed the price of BTC up to about $113,000 as of September 6, 2025, with a trading volume of $45 billion in the last 24 hours.

Companies like BlackRock and MicroStrategy have been buying up a lot of cryptocurrency, including $5.7 billion in spot ETF inflows and 19,800 BTC ($2.2 billion) in whale acquisitions.

This has made the supply tighter, and exchange reserves are at their lowest level in three years.

Technical indications reveal that BTC is testing support at $112,000, with resistance at $116,713 and an RSI of 52. Optimism is high because of pro-crypto policies and hopes that the Federal Reserve will decrease rates.

However, macroeconomic factors like US tariffs and $800 million in liquidations are dangers. Social media shows that institutions are feeling good about the market. If $116,713 clears, analysts say the target is

$121,500. But if it drops below $112,000, it may go as low as $105,000.

The main thing that sets Mutuum Finance (MUTM) apart from other penny cryptocurrencies is how it is built.

MUTM doesn’t simply offer a speculative play; it also offers a DeFi ecosystem with a stablecoin pegged to the dollar and backed by ETH collateral.

Governance-driven interest rates, arbitrage dynamics, and overcollateralization safeguards keep its peg stable. These things indicate that stability stays the same even when the market as a whole goes up and down a lot.

This is one reason why crypto goes down amid big liquidations.

MUTM is making a case for long-term use by lowering systemic risks and establishing predictable yield structures.

The presale structure makes demand even clearer. At $0.035 per token, Phase 6 has now sold 35% of the supply. Phase 7 will raise the entrance price to $0.040, a 15% increase.

CertiK audits, which scored 95 on Token Scan and 78 on Skynet, boost credibility. The community is also kept interested by a $50,000 bug bounty and a $100,000 giveaway.

Layer-2 integration makes transactions cheaper and faster, doing rid with the problems with congestion that older Layer-1 networks have.

The company hopes that when the project goes online, customers will be able to access a live beta site where they can test real borrowing and lending functions. This is different from many penny projects that begin with nothing but promises.

Analysts claim that the 250x ROI conversation is justified by the demand drivers built into the protocol. Limits on how much you can borrow and how much you can borrow in relation to

the value of the collateral minimize the risk of default. Enhanced Collateral Efficiency lets users borrow more with safer terms. Stable-rate borrowing gives institutions and DAOs the consistency they need, which keeps the treasury’s fees coming in regularly.

The architecture sends money back into staking rewards and token buybacks, which drives up the value of the tokens over time. This is because the rates change depending on how much liquidity is needed.

Mutuum’s roadmap is just as crucial for the future. Testnet rollouts, external audits, token listings, and partnerships across different blockchains will all happen in Phase 3 and Phase 4.

Targeted listings on big exchanges like Binance, KuCoin, Coinbase, and Kraken will help get MUTM in front of a lot more people.

The coin is already worth $0.06 on the listings, which means that people who bought in Phase 1 for $0.01 are up 3.5X, and people who bought in Phase 6 for $0.035 are still in before the first exchange pop.

People are arguing about which penny crypto to purchase in September, and the main point of contention is whether traders want speculative noise or scalable innovation.

The failures of Pepe and meme coins show how weak tokens that are based on hype are. Mutuum Finance (MUTM), on the other hand, adds formal mechanisms, security audits, and governance by the community.

Institutions may keep adding BTC to their portfolios, but traders looking for big multiples are now looking for DeFi ventures that can both grow and be safe.

With big players locking up 400,000 BTC this year, it looks like there isn’t much possibility for huge returns on investment (ROI) in Bitcoin (BTC).

Penny tokens like MUTM, which cost $0.035, are the kind of chance that made a big difference in people’s lives during past bull cycles with early MATIC and SOL. The last stop before the presale price goes up is the Phase 6 entrance.

This is the time to get in before demand on other exchanges starts to grow. Instead of questioning if Bitcoin (BTC) will keep going up, analysts are wondering which penny crypto will give the best return on investment this cycle.

Everyone is looking at Mutuum Finance (MUTM) right now.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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