Bitcoin (BTC) Ends 2025 with a 5% Loss: Here Are the Top Crypto Investors Saving Their Portfolios

• Why Is Bitcoin Underperforming in 2025?
• Mutuum Finance (MUTM): The Presale Rocking Crypto’s Boat
• How Does MUTM’s Reward System Work?
• Is This the Last Chance to Buy MUTM Cheap?
• Smart Moves for Stagnant Markets
• Your Mutuum Finance (MUTM) Questions, Answered

2025 was a rough year for Bitcoin. The world’s leading cryptocurrency closed the year with a disappointing 5% loss, currently stuck in a tight range around $88,410. While some investors are panic-selling at a discount, others are shifting their focus to high-growth alternatives like Mutuum Finance (MUTM), a low-cost DeFi project already raising eyebrows with its $19.5M presale haul. Let’s break down why smart money is moving—and where it’s headed next.

Why Is Bitcoin Underperforming in 2025?

Bitcoin’s "digital gold" reputation isn’t enough to offset its lackluster returns this year. With negative annual yields and stagnant volatility, even die-hard HODLers are feeling the squeeze. Data from TradingView shows BTC’s price action flatlining since Q3 2025, triggering a sell-off from impatient investors. "Stability is great, but zero growth isn’t," notes a BTCC market analyst. "Right now, traders want assets with engines, not anchors."

Mutuum Finance (MUTM): The Presale Rocking Crypto’s Boat

While bitcoin treads water, Mutuum Finance’s presale has surged to $19.5M—with Phase 7 tokens selling at $0.04 (a 300% jump from Phase 1). Over 18,650 holders are betting on its DeFi lending platform, which rewards users with dividend-bearing tokens. "It’s a feedback loop," explains a developer. "More users → more fees → more token buybacks → bigger holder payouts." With Phase 8 poised to hike prices to $0.045, FOMO is real.

How Does MUTM’s Reward System Work?

Here’s the kicker: Mutuum uses loan fees to repurchase MUTM tokens from the open market, distributing them as dividends. Audited by Halborn and backed by a $50K bug bounty program, its testnet launch is imminent. "You’re not just buying a token—you’re buying into a revenue-sharing model," says an early investor. With a hard cap of 1 billion tokens, scarcity could fuel post-listing pumps.

Is This the Last Chance to Buy MUTM Cheap?

Possibly. Once listed at $0.06, Phase 7 buyers could see instant 50% gains. Historical data from CoinMarketCap shows similar DeFi projects spiking 200-500% post-launch. "The presale’s almost done, and the V1 platform drops soon," warns a crypto blogger. "After that, you’re paying market price—and market sentiment’s hungry."

Smart Moves for Stagnant Markets

While Bitcoin hibernates, projects like Mutuum Finance offer what BTC can’t: aggressive growth mechanics. Its combination of buybacks, dividends, and platform utility creates a "triple-threat" ROI case. As always, DYOR—but with the presale clock ticking, hesitation might cost more than action.

This article does not constitute investment advice.

Your Mutuum Finance (MUTM) Questions, Answered

What’s Mutuum Finance’s current presale phase?

Phase 7 is live at $0.04 per MUTM, with Phase 8 ($0.045) launching soon.

How does MUTM’s dividend system work?

Loan fees buy back tokens from the market, which are distributed to holders proportionally.

Where can I track MUTM’s price post-launch?

Platforms like BTCC and CoinMarketCap will list real-time data after exchange listings.