Dubai, UAE, Ocbober 17, 2025
The momentum behind Mutuum Finance (MUTM) continues to build as the Ethereum-based DeFi protocol confirms the upcoming launch of its Version 1 platform on the Sepolia testnet in Q4 2025. Alongside this major product milestone, the project’s crypto presale has gained significant traction, with over 17,300 holders already participating and funding totals nearing the $18 million mark.
This combination of strong performance and a clearly defined product rollout strategy is quickly positioning Mutuum Finance as one of the most closely watched new crypto projects heading into the next market cycle.
Presale Performance Accelerates
Mutuum Finance is currently in Phase 6 of its structured presale, with the MUTM token priced at $0.035, up from $0.01 in Phase 1. Since the presale’s launch in early 2025, the project has raised $17.4 million, attracted over 17,300 holders, and allocated roughly 70% of the current phase. Once Phase 6 sells out, the price will rise by nearly 20%, bringing it closer to the planned $0.06 listing price.
Out of the 4 billion total token supply, 1.76 billion tokens are allocated to the presale, making it a key stage for early supporters. So far, more than 760 million tokens have been sold across the earlier phases, underlining the strong demand. This structured model rewards early participants with clear price progression at each stage, while providing transparency on token distribution.
Adding to this momentum is the 24-hour leaderboard system, which rewards the top daily depositor with a $500 MUTM bonus, provided at least one transaction is completed within the period. The leaderboard resets daily at 00:00 UTC, creating an ongoing competitive environment.
A New DeFi Protocol Built on Ethereum
At its core, Mutuum Finance is a decentralized lending and borrowing protocol, designed to create secure, efficient, and scalable markets on-chain. Unlike many single-market platforms, it blends Peer-to-Contract (P2C) pooled liquidity markets for blue-chip assets like ETH and USDT with Peer-to-Peer (P2P) isolated lending markets for niche tokens.
This dual-market structure allows the platform to cater to a broad user base. Retail users can supply or borrow mainstream assets with predictable yields, while institutional players benefit from isolated risk environments. Borrowing costs are adjusted automatically based on how much of the pool’s liquidity is being used. When liquidity is plentiful, rates stay low to encourage borrowing. As usage increases, rates rise to attract new deposits.
On the lending side, APYs increase as activity on the platform grows, which incentivizes early liquidity providers. For instance, if someone supplies $5,000 worth of USDC, they could borrow up to $3,750 using a 75% Loan-to-Value (LTV) ratio. The borrowed amount stays lower than the collateral value to maintain a protective buffer, ensuring the position remains safe during sharp market movements. Meanwhile, the supplied USDC continues to generate yield, allowing the user to earn passive income while accessing liquidity.
V1 Launch Scheduled for Q4 2025
Mutuum Finance recently confirmed through an X statement that Version 1 of its protocol will launch on the Sepolia testnet in Q4 2025. This first rollout will include Liquidity Pools, mtToken issuance, Debt Tokens, and a Liquidator Bot, with ETH and USDT supported from day one.
This step is significant because it shows that the team is focused not only on fundraising but also on building a live, functional product ahead of token listing. Launching a working testnet before going live increases transparency and gives the community and auditors the opportunity to review the system in action.
Security and Incentives Strengthen Community Trust
To build investor confidence before launch, Mutuum Finance has taken several security and incentive measures. The project underwent a CertiK audit, achieving a 90/100 token score, which highlights the strength of its smart contracts. In addition, a $50,000 bug bounty program has been launched to encourage independent security researchers to examine the protocol thoroughly before mainnet.
On the community side, Mutuum Finance introduced a $100,000 giveaway, selecting 10 winners to receive $10,000 worth of MUTM each, boosting awareness and rewarding early participants. Together with the leaderboard competition, these initiatives have created a strong base of active supporters ahead of launch.
Stablecoin, Layer-2, and Oracles
Looking beyond the launch, Mutuum Finance has outlined a multi-year roadmap extending into 2026 and 2027. A key milestone will be the introduction of an over-collateralized stablecoin, which is designed to bring more stability to borrowing and lending while feeding a portion of protocol revenue back into MUTM token buybacks. This mechanism is expected to create steady, long-term buying pressure that supports the token’s value over time.
Additionally, Layer-2 integration will lower transaction costs and expand the platform’s reach across multiple networks, while robust oracle systems, powered by Chainlink and fallback feeds, will ensure accurate pricing for collateral and liquidations, both essential for scaling lending platforms securely.
Early Positioning Ahead of Key Catalysts
With over 17,300 holders, $17.4 million raised, and 70% of Phase 6 nearly complete, Mutuum Finance is entering a critical stage. The upcoming Q4 2025 V1 launch, combined with strong security measures and a clearly defined long-term roadmap, sets the project apart from many other presales currently in the market.
As the price prepares to rise in the next phase and the platform edges closer to its launch, Mutuum Finance (MUTM) is positioning itself as one of the most promising new DeFi crypto of 2025, attracting both retail investors and larger players looking to secure positions early.
About Mutuum Finance (MUTM)
Mutuum Finance is a DeFi project on Ethereum focused on making crypto lending and borrowing more flexible. Users can deposit assets into liquidity pools, receive mtTokens that accrue value, and stake them to earn MUTM rewards through a buy-and-distribute mechanism. Over $17 million has already been raised in its presale. The first version of the protocol is set to launch on the Sepolia testnet in Q4 2025, with future plans including Layer-2 integration, multi-chain expansion, and an over-collateralized stablecoin.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance