The cryptocurrency market is showing signs of heightened caution as Bitcoin (BTC) dips below $112,000, prompting both retail investors and institutions to explore alternatives that combine growth potential with structured risk.

With the crypto fear and greed index swinging toward fear and crypto charts indicating increased volatility, traders are analyzing why crypto is down and actively seeking safe entry points.

Mutuum Finance (MUTM) is emerging as a standout solution, offering decentralized finance features designed to protect users while delivering meaningful returns.

With Phase 6 of the presale already 50% sold at $0.035, the token is positioned for a 15% jump to $0.040 in Phase 7, creating an ideal window for investors looking to secure early-stage assets.

Bitcoin (BTC) recently slipped beneath the $112,000 threshold and is now at around $109K, triggering concern among traders as a wave of liquidations and weak support levels exacerbated the decline.

As prices fell, the share of Bitcoin (BTC) held “in loss” more than doubled, signaling mounting stress in the market.

Technically, BTC failed to hold above pivot zones near $110,000–$119,000, and some analysts now view a retest of the $110,000 level as likely.

The broader macro backdrop—especially hawkish signals from the U.S. Federal Reserve and a strengthening dollar—has added pressure to risk assets like Bitcoin (BTC). 

Mutuum Finance (MUTM) will implement a Stability Factor to assess the security of collateral across all loans.

Overcollateralization will remain a cornerstone, ensuring that both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) loans are fully protected against market swings.

Automatic liquidations will trigger when collateral falls below thresholds, and liquidators will repurchase undercollateralized positions at discounted rates, reinforcing liquidity and minimizing systemic risk. 

For lower-volatility assets such as stablecoins or major tokens like ETH, LTVs can reach 75% with an 80% liquidation threshold, while volatile tokens, including DOGE and TRUMP, will remain capped at 35–50% LTV with 65% thresholds.

Reserve factors will adjust dynamically between 10% and 50% according to asset risk.

The P2C lending feature will allow a participant to lend $12,000 SOL and receive mtSOL, earning a 14% APY.

Borrowers can leverage $12,000 ETH as collateral to secure $9,000 USDT while staying within a 75% LTV, ensuring both solvency and protection for lenders.

P2P lending pools will accommodate higher-risk tokens such as PEPE with negotiated APYs, isolated from P2C lending, ensuring that the broader liquidity pools remain secure while offering high-yield opportunities to risk-tolerant investors.

Market volatility and liquidity management will be actively maintained.

Caps, liquidation incentives, and reserve factors will ensure that the protocol can handle market swings without compromising solvency.

By maintaining structured thresholds and risk-adjusted LTVs, Mutuum Finance (MUTM) will provide participants with confidence that lending and borrowing operations remain safe even in turbulent conditions.

The presale stage is a major catalyst for Mutuum Finance (MUTM) demand.

Phase 6 currently offers tokens at $0.035, with $16.45 million raised and over 16,650 holders participating.

With half of the Phase 6 supply already sold, early investors will benefit from the imminent Phase 7 price increase to $0.040.

The platform will launch a beta version at the time of token listing, giving participants early access to the offered features like dual lending and staking.

Dashboard is already live, allowing them to monitor holdings, calculate ROI, and engage with the Top-50 leaderboard that rewards significant investors with bonus MUTM tokens.

Security is emphasized through a CertiK audit with a Token Scan Score of 90.00 and a Skynet Score of 79.00.

Additionally, the project will implement a 50,000 USDT bug bounty across multiple severity tiers, along with a $100,000 ongoing giveaway where ten winners will receive $10,000 worth of MUTM tokens each.

Layer-2 integration will reduce transaction costs and improve processing speeds, enhancing the platform’s usability and attracting additional users.

Investment examples highlight the potential of early participation.

An investor exchanging $7,500 BTC into Mutuum Finance (MUTM) during Phase 1 will witness their position grow through Phase 6 pricing, while the projected listing and broader adoption will set the stage for multi-year price targets reaching $3.

The combination of presale momentum, Layer-2 efficiency, and structured collateral safeguards ensures that MUTM will be a leading option for investors seeking a secure and profitable entry into DeFi.

As BTC’s popularity fades and people look for safer options, Mutuum Finance (MUTM) will create a structured, high-demand space for lending, borrowing, and staking.

With Phase 7 coming up and more than half of the existing supply sold, the platform will give investors a rare chance to get into a strong DeFi ecosystem before the industry as a whole changes.

Collateral safety, automatic liquidations, and multi-layered risk management will keep participants secure and set MUTM up for big growth.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post BTC drops below $112K: experts hunt best crypto to invest before big market rotation appeared first on Invezz

327 +