Analysts think that Bitcoin (BTC) could reach $125,000 in the next cycle, which means that it is once again in the news. While buyers are excited about this prediction, the biggest wallets in the market are quietly changing how they invest in crypto. Instead of putting all of their money into Bitcoin, they are buying tokens that are worth less than four cents. Mutuum Finance (MUTM) is one of the top targets. Whales know that assets in the pre-sale stage can bring huge gains, and the growth potential for MUTM is getting their attention. Will BTC go past 120K? Bitcoin (BTC) is now moving toward $125,000, which many traders and experts see as an important next goal. Based on past price cycles and movement, the Bitcoin Cycle Model thinks that BTC could rise to between $125K and $131K later in 2025. A new piece from CoinCentral also says that $125K will be the next big resistance level, especially if BTC keeps getting stronger above $116K. Options traders are betting on a rise toward $125K because of upcoming decisions by the US Federal Reserve. This shows that the market is very optimistic about a rally. Of course, getting to that level will rely on steady flows into ETFs, demand from institutions, and good macroeconomic conditions. The move could be stopped if it fails to break through resistance levels or if sentiment changes. Why big wallets choose Mutuum Finance (MUTM) At present, Mutuum Finance (MUTM) is in Phase 6 of its presale. Each token is valued at $0.035, with approximately $16.8 million raised and 55% of the 170 million tokens allocated in this stage already claimed. The next phase will lift the price to $0.040, marking a 15% increase. This has created urgency among larger investors, who recognize the difference in entry points today will matter significantly once the token lists at $0.06 and scales toward $1 in the medium term. What attracts whales to Mutuum Finance (MUTM) is the protocol design that blends yield generation with strong risk management. The team has already announced the development of its lending and borrowing protocol , which will debut on the Sepolia Testnet in Q4 2025. ETH and USDT will be the first assets supported, laying the foundation for the liquidity pools and collateral mechanisms that drive the system. It works like this: lenders put assets like BTC, ETH, and stablecoins into smart contracts that have been checked. In return, they get mtTokens, which are equal to their share of the pool and earn interest over time. As an example, a loan that gives out 0.5 BTC, which is worth about $30,000, will earn about 12% APY, which is $3,600 a year without having to sell their Bitcoin. Borrowers also benefit because they can get cash without having to sell long-term assets. A person might put up $5,000 in Bitcoin as collateral to borrow $3,750 at a 75% Loan-to-Value ratio. Overcollateralization is something that can’t be changed on the platform. Up to 75% LTV is set for stable assets like ETH and BTC, and liquidation limits are close to 80%. Riskier tokens, on the other hand, can only have LTVs between 35% and 55%, and they can only be liquidated at close to 65%. This design makes sure that the system will still work even if there is a crypto crash today. A Stability Factor is used to figure out how healthy the collateral is, and discounts are given to liquidators when stocks drop below certain levels. Because of this, the disposal process is smooth and easy to understand, which is exactly what whales want when they invest money. Another important thing is the liquidity depth. It’s important for big players to be sure that their loans and borrowing won’t be affected by slippage or low liquidity. Reserve factors help Mutuum Finance (MUTM) deal with this problem. For example, assets that are safer are set to 10%, and assets that are riskier can be set to 55%. This careful tuning makes the system more stable during market stress and builds trust among people with bigger wallets. The ROI math that attracts whales The whale plan is easy to understand: buy early, before regular investors do the same. This is already clear from Mutuum Finance (MUTM). In Phase 1, someone bought coins for $0.01. In Phase 6, the entry price went up to $0.035, which is a 250% increase in value. By the time it goes up to $0.06, that buyer will have locked in a 500% cash return. When you look at crypto charts, these numbers really stick out, especially when you compare them to Bitcoin (BTC)’s expected rise to $125K, which is less than a 10% increase from where it is now. The vision is much bigger for whales who join at $0.035. With the token’s goal of $1 by the middle of 2026, this is about a 28x gain. An important step toward that valuation is the beta launch of Mutuum Finance (MUTM), the adoption of its lending system by institutions, and the expected listing on major exchanges like Binance or Kraken. These events will make things easier to get, make the market more open, and raise demand all over. This long-term view is strengthened by trust bonds. Mutuum Finance (MUTM) is going through a CertiK audit, and their Token Scan and Skynet scores of 90 and 79, respectively, show that they meet security standards. The project has started a $50,000 bug prize program to encourage people to be open about bugs. Important discoveries can earn up to $2,000, and smaller discoveries can still get paid for. Ten people will each get $10,000 in MUTM tokens as part of a $100,000 giveaway at the community level. With more than 12,000 Twitter followers, the group is growing and making progress at the same time. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post BTC eyes $125K, big wallets buy sub-$0.040 token targeting $1 by 2026 appeared first on Invezz