Which Crypto To Buy While BTC Is Stalling Around $85K

When Bitcoin (BTC) pauses near major price levels, attention often shifts toward emerging opportunities that are not yet tied to short-term market swings. As BTC hovers around $85K, many investors are actively scanning for a new crypto that combines early-stage pricing with real utility. This phase of the market often favors projects still in development, where value is driven more by structure and roadmap progress than by daily crypto prices. One project that fits this moment is Mutuum Finance (MUTM), which is currently in presale phase 6 and drawing growing interest from long-term focused participants.

Presale Metrics: Just 2% Available at $0.035

Right after this renewed market focus, Mutuum Finance (MUTM)’s presale metrics stand out clearly. The project has a total supply of 4 billion tokens. Across all presale phases combined, around $19.45 million has already been generated, reflecting steady demand rather than sudden spikes. The current price in phase 6 is set at $0.035, with over 18,600 holders participating across all phases. What adds urgency is that 98% of the 170 million tokens allocated to this phase are already sold out. This places the project at a decisive point, especially since the next phase will introduce a 15% price increase to $0.040. With the recent update allowing users to purchase MUTM using a card with no purchase limits, access has widened just as availability tightens.

Early participation has already shown clear numerical advantages. An investor who committed $8,000 during phase 3 at a price of $0.02 secured 400,000 MUTM tokens. At the current phase 6 price of $0.035, that holding reflects a value of $14,000. When the next phase price of $0.040 is reached, the same holding reflects $16,000. This progression highlights how structured presale pricing rewards early conviction while Bitcoin (BTC) remains range-bound.

The legitimacy of the presale is also a critical factor at a time when trust matters. The team behind Mutuum Finance (MUTM) has been active since early 2025 and has consistently followed its roadmap while delivering milestones on schedule. Timely execution, an upcoming launch of a fully functional protocol, and steady organic community growth distinguish the project from the rug-pull patterns that still damage confidence across the market. This positioning matters even more when Bitcoin (BTC) is consolidating and investors are selectively reallocating capital.

Why Mutuum Finance (MUTM) Stands Out During a Bitcoin (BTC) Pause

Mutuum Finance (MUTM) is being developed as a decentralized lending and borrowing protocol built around two complementary models. This dual structure gives the project depth beyond simple token speculation, which is why it is increasingly discussed when traders look beyond Bitcoin (BTC) dominance.

The Peer-to-Contract model is designed for users who want simplicity and automation. Through this structure, stablecoins such as USDT will be locked into liquidity pools backed by smart contracts. In return, users will earn passive income automatically, without the need for manual oversight. This approach focuses on efficiency and security, offering a clear use case for capital that might otherwise sit idle during periods when crypto prices lack strong direction.

Alongside this, the Peer-to-Peer model allows direct lending agreements between individuals without intermediaries. Users will be able to define custom loan conditions and terms, offering flexibility that traditional systems do not provide. This model appeals to participants who value confidentiality and control, especially in private financial arrangements. Together, these two models are designed to generate competitive yields and attract a wide range of users, from DeFi-native investors to those cautiously exploring alternatives while Bitcoin (BTC) consolidates.

Growth Drivers That Align With the Current Market Cycle

One of the strongest selling angles for Mutuum Finance (MUTM) during a Bitcoin (BTC) stall is its planned timing. The platform and token are expected to launch simultaneously. This synchronized approach means that once the token becomes tradable, a live product will already be available. Users will immediately be able to engage with lending and borrowing features, rather than waiting months for utility to arrive.

This structure also supports visibility on Tier-1 and Tier-2 exchanges, as working platforms often meet listing requirements faster. With live modules available from day one, trading activity and protocol usage will reinforce each other. Users will be able to explore dual lending models and stake mtTokens for rewards immediately, giving MUTM organic demand from its first days on the market.

Beyond launch, Mutuum Finance (MUTM) is structured around long-term utility. Its roadmap includes an over-collateralized stablecoin system that will allow users to mint a decentralized one-dollar-pegged asset by locking collateral such as ETH, SOL, or AVAX. Each minting and repayment action will generate transaction flow within the ecosystem, directly tying activity to the use of MUTM. As more features are introduced, the token’s role will expand across lending, borrowing, and staking, supporting sustained on-chain demand independent of broader market cycles.

Another layer of value comes from the project’s buy-and-distribute mechanism. Part of the revenue generated through borrowing fees and platform activity will be used to buy MUTM tokens from the open market. These tokens will then be distributed to users who stake mtTokens. This system is designed to reward long-term participation while introducing consistent buy-side pressure as platform usage grows. In a market where many assets rely purely on speculation, this revenue-linked structure offers a different growth narrative.

On the development side, Mutuum Finance (MUTM) has announced the build of its lending and borrowing protocol, with V1 planned for the Sepolia Testnet in Q4 2025. Core components will include liquidity pools, mtTokens, debt tokens, and a liquidator bot, with ETH and USDT as the initial assets for lending, borrowing, and collateral. This technical roadmap reinforces the project’s focus on functionality rather than hype.

As Bitcoin (BTC) stalls and capital looks for direction, Mutuum Finance (MUTM) presents a clear alternative narrative. Phase 6 is already 98% sold out, and the move to $0.040 in the next phase is locked in. This is the final window to access MUTM at $0.035. Adding to the momentum, the project is running a $100,000 giveaway to support community growth, with ten winners set to receive $10,000 worth of MUTM tokens each. For those evaluating which crypto to buy during a period of Bitcoin (BTC) consolidation, Mutuum Finance (MUTM) stands out as a structured, utility-driven option with time-sensitive entry conditions.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Disclaimer: This is a sponsored article. ABP Network Pvt. Ltd. and/or ABP Live do not endorse/subscribe to its contents and/or views expressed herein. Crypto products and NFTs are unregulated and can be highly risky. There may be no regulatory recourse for any loss from such transactions. Cryptocurrency is not a legal tender and is subject to market risks. Readers are advised to seek expert advice and read offer document(s) along with related important literature on the subject carefully before making any kind of investment whatsoever. Cryptocurrency market predictions are speculative and any investment made shall be at the sole cost and risk of the readers.