While institutional players like Metaplanet continue to accumulate large amounts of Bitcoin (BTC), adding 5,400 BTC to their holdings, retail investors are increasingly seeking accessible alternatives with real utility.
With Bitcoin (BTC) reaching price levels that remain out of reach for many,
Traders studying crypto charts are looking for coins that offer structured upside, security, and tangible use cases, making MUTM a front-runner during a time when market participants are wary of the next crypto crash.
Metaplanet Adds 5,400 BTC
Metaplanet, the Tokyo-listed investment firm dubbed "Asia's MicroStrategy," acquired 5,419 BTC for approximately $632.53 million at an average price of $116,724 per Bitcoin on September 22, 2025, boosting its total holdings to 25,555 BTC valued at $2.71 billion.
This marks the company's largest single purchase to date, funded through a $1.4 billion share sale earlier in the month, and propels Metaplanet into the fifth spot among public corporate Bitcoin holders, surpassing Bullish and trailing only MicroStrategy, Marathon Digital, Twenty One, and Bitcoin Standard Treasury.
The aggressive accumulation aligns with Metaplanet's "555 Million Plan," targeting 210,000 BTC by 2027 via a $5.4 billion capital raise. Bitcoin (BTC) traded at ~$113,000, with a 24-hour volume of $45 billion, up modestly on the news.
Technical indicators show BTC testing $112,000 support, RSI at 52, and resistance at $116,713. Social media buzz highlights institutional adoption, though U.S. tariffs pose risks. Analysts project $121,500 if resistance clears, but a drop below $112,000 risks $105,000.
Mutuum Finance (MUTM): Lending and Borrowing, Structured Returns for Retail Investors
Mutuum Finance (MUTM) will provide a robust P2C lending framework, allowing users to earn passive income with bluechip and stablecoin deposits.
For example, an investor depositing $12,000 in XRP will receive mtXRP at a 1:1 ratio, generating an estimated APY of 13%, which translates to $1,560 in annual passive income. Borrowers will also benefit from flexible access to liquidity.
Posting $1,500 worth of BTC as collateral, users will be able to borrow up to 70% in stablecoins while retaining exposure to Bitcoin (BTC)’s potential price appreciation.
This structured system will allow retail investors to enjoy DeFi functionality traditionally reserved for institutional participants, bridging the gap between high-value BTC accumulation and smaller-scale investments.
For higher-risk opportunities, MUTM will also offer P2P lending for meme coins such as DOGE and PEPE. These tokens will remain isolated from the primary P2C pools to protect core liquidity, while lenders negotiate duration and interest rates directly, earning higher rewards in exchange for elevated risk. This layered approach will allow the platform to accommodate both conservative and adventurous investors without jeopardizing overall stability.
Collateral and liquidation management will ensure that the protocol remains secure. BTC-backed loans will be overcollateralized with a 75% LTV and an 80% liquidation threshold. The Stability Factor mechanism will actively monitor the health of the lending pools, ensuring that liquidations occur efficiently while protecting lenders’ capital.
Additionally, liquidity depth across the platform will enable prompt execution of liquidations, while more volatile tokens will have lower LTV caps between 35% and 47% and liquidation thresholds around 65%, with reserve factors adjusted according to risk. These features will create a resilient system capable of withstanding price swings while maintaining strong on-chain liquidity.
Presale Momentum and Long-Term Growth
Phase 6 of the Mutuum Finance (MUTM) presale will feature tokens priced at $0.035, with $16.2 million projected to be raised and 47% of the 170 million token allocation expected to sell out rapidly.
The community is projected to exceed 16,550 holders, supported by over 12,000 active Twitter followers. CertiK audits, with TokenScan and Skynet scores of 90 and 79 respectively, will reassure investors of the platform’s security.
Investment examples will highlight the potential upside for retail participants. An investor who contributed $10,000 in Phase 1 will secure 1,000,000 tokens, which will be projected to reach $60,000 at the initial listing price of $0.06 and grow to $1,000,000 in value as the platform gains adoption post-listing.
The upcoming beta launch will allow users to experience key features firsthand, providing confidence in the system’s utility. Layer-2 integration will accelerate transactions and reduce costs compared to Layer-1 alternatives, while expected listings on major exchanges such as Binance, KuCoin, Coinbase, MEXC, and Kraken will expand visibility and increase demand for MUTM.
Mutuum Finance (MUTM) will also implement a buy-and-distribute mechanism, using revenue from lending and borrowing activity to repurchase MUTM from the open market. These tokens will then be distributed to mtToken stakers as rewards, creating continuous buy pressure and reinforcing long-term price stability.
Investors will also benefit from the $50,000 CertiK Bug Bounty Program, with rewards ranging from $2,000 for critical issues to $200 for minor findings. Additionally, a
In a market where large-scale BTC accumulation dominates headlines, Mutuum Finance (MUTM) will offer retail investors a rare combination of affordability, security, and real utility.
It's structured P2C and P2P lending models, coupled with overcollateralized borrowing, beta launch access, Layer-2 efficiency, and buy-and-distribute rewards, will position MUTM as the leading cheap crypto to invest today.
As investors reassess is crypto a good investment during periods of heightened volatility and potential crypto crash, MUTM will emerge as the platform that delivers predictable returns and tangible DeFi utility, making it a strategic choice for both short-term and long-term portfolios.
For more information about Mutuum Finance (MUTM) visit the links below:
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This story was published as a press release by Btcwire under HackerNoon’s Business Blogging