Harvard University Pulls Back From Bitcoin ETFs While Mutuum Finance Presale Sees Explosive $20.6M Inflows

Harvard University’s endowment exposure to Bitcoin exchange-traded funds (ETFs) has been reduced, according to recent crypto news. The move signals a more cautious stance amid continued market volatility. Meanwhile, in the DeFi crypto sector, Mutuum Finance (MUTM) has captured significant investor attention, raising over $20.60 million in its ongoing presale. The project leverages a framework that combines a dual-lending mechanism.

Harvard Reduces Bitcoin Exposure and Adds Ethereum

Harvard University has adjusted its cryptocurrency portfolio, cutting back on its Bitcoin ETF holdings while entering the Ethereum market for the first time. According to its latest 13F filing, Harvard Management Company, the subsidiary managing the university’s endowment, held 5.35 million shares of the iShares Bitcoin Trust ETF (IBIT) as of Dec. 31, a 21% decrease from the previous quarter, valued at roughly $265.8 million. Despite the reduction, IBIT remains the largest single position in Harvard’s portfolio, representing 12.78% of total assets.

At the same time, Harvard initiated a stake in the iShares Ethereum Trust ETF (ETHA), acquiring 3,870,900 shares worth approximately $86.8 million. This comes as Bitcoin retraces 26% over the last 30 days, falling from $97,000 to below $70,000. Recent crypto news shows the leading asset saw $223M in liquidations as it fell below $68,000, its 200-week EMA. As Bitcoin retraces, Mutuum Finance (MUTM) is exploding in momentum during presale. The project recently launched its V1 Protocol on Sepolia testnet, a significant move that has attracted investor attention.

Presale Participation and Platform Features

The MUTM presale has attracted broad interest, with over 19,020 participants contributing more than $20.60 million to date. Investors can join the DeFi crypto’s presale at just $0.04 today before its upcoming phases, where its prices are set to go higher, including $0.045 in phase 8 and $0.06 at launch. 

In a recent update, Mutuum Finance now allows investors to participate in its presale using both cryptocurrency and traditional card payments, making it accessible to a wider audience. By supporting debit and credit card purchases alongside crypto options, the project removes the barrier of needing to first acquire digital assets, enabling newcomers to enter the ecosystem quickly and seamlessly.

The project further incentivizes participation through an ongoing $100,000 giveaway, where 10 lucky participants will each receive $10,000 worth of MUTM. To qualify, users need to join the presale with a minimum $50 purchase and complete a few simple tasks, such as following the project’s social media channels. In addition, the top buyer each day, based on the highest MUTM purchase, receives a $500 MUTM reward.

Strengthening Lending Security 

Mutuum Finance employs a multi-layered oracle framework to enhance the safety of its lending ecosystem. The protocol uses Chainlink Price Feeds as the primary reference, supported by fallback oracles and an internal Time-Weighted Average Price (TWAP) mechanism. This approach ensures accurate asset valuations even during periods of high market volatility or disruptions in price feeds, helping reduce the risk of manipulation.

The system is also designed to protect borrowers from sudden market shocks. If a token’s price on a major exchange diverges sharply from the verified feed due to sudden crypto news or any other event, the platform temporarily suspends activity for that market to prevent unintended liquidations. For instance, a sudden anomalous Bitcoin price e.g; $10,000 on a single exchange, would be disregarded, with loan values calculated based on the verified average price, around $68,000 today. This safeguards users from both accidental errors and potential market manipulation.

Hands-On Learning via Testnet Access

The V1 Protocol is currently live on the Sepolia testnet, allowing users to experience the Mutuum Finance ecosystem firsthand. Participants can deposit test assets to receive mtTokens, while borrowers receive debt tokens that track obligations on-chain. 

An automated liquidator bot monitors positions to maintain protocol stability and reduce default risk. The testnet currently supports USDT, ETH, LINK, and WBTC, with plans to integrate additional assets after full launch. This environment enables users to explore borrowing and lending mechanics, understand the protocol’s operational features, and familiarize themselves with the platform without risking real assets. 

As Harvard trims its Bitcoin ETF holdings in the latest crypto news, institutional sentiment toward traditional crypto products remains mixed amid ongoing volatility. In contrast, Mutuum Finance (MUTM) is seeing explosive presale inflows, surpassing $20.60 million from over 19,020 participants at its Phase 7 price of $0.04. The DeFi crypto platform features a multi-layered oracle security, a live testnet, and a transparent lending framework, attracting strong interest. Phase 7 presale is progressing fast and will sell out soon. Join now before it’s too late.

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

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance

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