BlackRock’s $275 million injection into a Bitcoin-backed crypto ETF has reassured Wall Street that the world’s largest asset manager sees digital assets as a legitimate long-term play.

While institutional adoption at this scale signals stability for Bitcoin, retail investors are seeking something different: exponential growth.

That search is leading many toward Mutuum Finance (MUTM), a presale-stage project priced at just $0.035, which has already given early participants 3.5x value on paper compared to its $0.01 Phase 1 entry.

The rush into MUTM demonstrates how retail investors are prioritizing opportunities with sharper upside than the incremental gains offered by institutional products.

BlackRock’s iShares Bitcoin Trust (IBIT), the largest spot Bitcoin ETF, added $275 million in net inflows on September 18, 2025, contributing to a weekly total of $1.3 billion across BTC ETFs.

This influx, part of $5.7 billion YTD, underscores growing institutional demand, with IBIT’s assets now exceeding $48 billion and holding over 700,000 BTC.

The move propelled Bitcoin (BTC) to ~$113,000, up 2.5% weekly, with a 24-hour trading volume of $45 billion.

Technical indicators show BTC testing $112,000 support, with RSI at 52 and resistance at $116,713. Pro-crypto policies and Federal Reserve rate cut expectations fuel optimism, but U.S. tariffs and $800 million in recent liquidations pose risks.

Social media reflects bullish sentiment, with analysts eyeing $121,500 if $116,713 clears.

Institutional money prefers stability, which is why funds flow into Bitcoin ETFs with annual expectations of 10%–15% returns. Retail investors, however, often target the kind of growth that changes portfolios dramatically.

This is where Mutuum Finance (MUTM) stands out. At its core, the platform is building a decentralized lending system backed by an innovative stablecoin model, where mtTokens represent the foundation of participation.

When an investor deposits assets such as USDT, USDC, or major tokens like ETH into the protocol, they will receive mtTokens in return.

These mtTokens not only represent their share of the liquidity pool but also accrue yield over time. Users will have the ability to stake mtTokens into designated contracts to earn MUTM rewards.

What sets this apart from many presales is that Mutuum Finance (MUTM) will recycle its platform revenues into open-market buybacks of MUTM, with the purchased tokens redistributed to stakers.

This creates a system where long-term holders are rewarded directly by the protocol’s success, aligning growth with community gains.

Mutuum Finance (MUTM)’s lending design will balance flexibility and safety.

Borrowers will have the option of stable or variable rates depending on market conditions, while collateral efficiency will be enhanced through rebalancing mechanisms.

Overcollateralization, liquidation rules, and reserve factors tuned to risk will serve as the foundation of borrower and lender protection.

By combining advanced mechanics with simple access, the project sets itself apart as a retail-first growth vehicle that still appeals to serious investors.

The presale itself shows strong evidence of traction. Mutuum Finance (MUTM) is currently in Phase 6, priced at $0.035.

More than $16.2 million has already been raised, and 47% of the 170 million tokens in this stage have been sold.

The project has already attracted more than 16,500 holders, showing its widening reach. Phase 7 is priced at $0.040, which represents a 15% increase from today’s level.

For early backers, returns have been eye-opening. A $2,000 entry at Phase 1’s $0.01 price is already valued at $7,000.

Analysts are modeling future pricing around $0.50, which would bring that same $2,000 to $100,000—a 50x gain.

Even investors entering now at $0.035 are looking at $14,000 returns on a $1,000 entry if the listing price reaches that level.

Compared to the steady 10%–15% annual gains expected from a Bitcoin ETF, Mutuum Finance (MUTM) Finance represents a rare chance for exponential growth.

The roadmap reinforces confidence. Phase 1, which focused on presale launch and initial audits, is largely executed. Phase 2 will focus on smart contract and DApp development.

Phase 3 will finalize infrastructure and prepare for testnet launches, while Phase 4 will deliver the live launch, exchange listings, regional compliance, and multi-chain expansion.

Each phase is designed to deliver measurable progress that positions the platform for adoption and expansion.

Trust anchors are also in place. Mutuum Finance (MUTM) is undergoing a CertiK audit, with a Token Score of 90.00 and a Skynet score of 79.00.

Alongside this, the team has launched a $50,000 bug bounty program, rewarding ethical hackers between $200 and $2,000 depending on vulnerability severity.

To engage retail communities further, a $100,000 giveaway is underway, with ten $10,000 in MUTMs.

More than 12,000 followers are already active on social platforms, ensuring momentum continues to build as the presale progresses.

It’s easy to see why individual investors are interested: Bitcoin ETFs give the market more legitimacy and anchor institutional funding, while ventures like Mutuum Finance (MUTM) have huge upside potential.

MUTM is a crypto investment that offers both innovation and reward since it has staking rewards, buyback mechanisms, presale discounts, and a strong design.

BlackRock has shown the world that Bitcoin is secure enough for regular money.

But for average investors who want to know why crypto is going up and want to see substantial growth instead of little returns, the answer is becoming clear in presales like MUTM.

Analysts concur that the opportunity for entrance is closing swiftly as Phase 6 approaches its midway point and the next price spike is about to happen.

BlackRock is good for Wall Street, but MUTM is the best pick for those who want to make 10 times their money before the next rise starts.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post BlackRock adds $275M BTC ETF but retail rushes to a crypto to buy at just $0.035 already delivering 3.5x appeared first on Invezz

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