Dubai, UAE, October 19, 2025
As the decentralized finance (DeFi) crypto market gears up for its next growth cycle, Mutuum Finance (MUTM) is capturing attention with rapid crypto presale momentum and a clear technical roadmap. The Ethereum-based protocol has already allocated over 760 million tokens across its earlier stages and raised $17.6 million, all while preparing to launch its V1 protocol on Sepolia testnet in Q4 2025. This combination of strategic fundraising, feature rollout, and community engagement has positioned the project as one of the most closely watched new entrants in the crypto space.
What Is Mutuum Finance (MUTM)?
Mutuum Finance is a decentralized lending and borrowing protocol built on Ethereum. Its core vision is to make on-chain credit markets more efficient, secure, and scalable, serving both everyday users and institutional participants through a dual lending model.
The first component is Peer-to-Contract (P2C) — a pooled liquidity market for major assets like ETH and USDT. Users can supply these assets to earn passive yields, while borrowers tap into shared liquidity with borrowing rates that adjust automatically based on pool activity. When liquidity is plentiful, borrowing rates remain low to encourage activity. When liquidity tightens, rates increase to attract new deposits.
The second component is Peer-to-Peer (P2P) — isolated lending markets for less common tokens. This setup allows institutional players and advanced traders to create customized lending agreements with more control over risk exposure. By blending these two systems, Mutuum Finance can support a wider variety of use cases than single-market protocols, giving it strong utility from day one.
On the lending side, APYs rise as usage grows, rewarding early liquidity providers. For example, if someone deposits $8,000 in ETH, they can borrow up to $6,000 using a 75% Loan-to-Value (LTV) ratio. This over-collateralized model protects the protocol and lenders during price swings while allowing users to access capital without selling their assets.
Detailed Presale Momentum and Community Incentives
Mutuum Finance’s presale has been one of the standout token sales of 2025. MUTM is currently priced at $0.035 in Phase 6, up from $0.01 in Phase 1, a 250% increase for early participants. Since launching in early 2025, the presale has raised $17.6 million, onboarded over 17,300 holders, and allocated around 70% of the Phase 6 tokens so far.
Out of the 4 billion total token supply, 1.76 billion tokens are reserved for the presale, with more than 760 million already allocated across previous phases. Once Phase 6 sells out, the token price will increase by nearly 20%, moving closer to the planned $0.06 listing price.
To keep engagement high, Mutuum Finance operates a 24-hour leaderboard, where the top depositor of each day receives a $500 MUTM bonus, provided at least one transaction is made within the period. The leaderboard resets daily at 00:00 UTC, driving consistent participation from both retail investors and whales.
V1 Protocol Launch
The team recently confirmed through an X statement that Mutuum Finance’s V1 protocol will launch on Sepolia testnet in Q4 2025, featuring key components such as liquidity pools, mtToken issuance, debt tokens, and liquidation systems, with ETH and USDT supported from day one.
This move is more than just a technical milestone, it’s a strategic onboarding phase. By launching the V1 version before the token listing, Mutuum Finance aims to gather user feedback, stress-test its systems, and allow early community members to familiarize themselves with the platform’s mechanics. This approach builds trust and smooths the transition into the full mainnet rollout expected around the token launch.
Stablecoin Plans and Early Compound Parallels
Looking further ahead, one of Mutuum Finance’s most significant upcoming milestones is the launch of its over-collateralized stablecoin. This stablecoin is designed to bring more stability to borrowing and lending, while routing a portion of protocol revenue back into MUTM buybacks, creating consistent long-term demand for the token.
This approach is drawing comparisons to early Compound (COMP). Compound’s success during the 2020–2021 DeFi boom was largely fueled by its lending infrastructure becoming integral to stablecoin activity.
Whale Activity and Phase 6 Selling Out Quickly
The pace at which Phase 6 is being allocated highlights growing interest among both retail investors and larger players. According to internal presale tracking, multiple six-figure whale inflows have been recorded over recent weeks, signaling confidence in the project’s fundamentals and potential upside.
Phase 6 is now around 70% filled, and once complete, it will trigger the next price step, a mechanism that has helped maintain steady upward momentum throughout the sale. Historically in crypto, early entries before major protocol launches and listings have often yielded the highest returns.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is an Ethereum-based decentralized lending and borrowing protocol aiming to bring efficiency and scalability to DeFi markets. The platform allows users to lend and borrow assets like ETH and USDT through an innovative dual-market structure while earning passive yield via mtTokens that grow in value as interest accumulates. A portion of platform fees is used to buy MUTM tokens from the open market and redistribute them to stakers, reinforcing long-term token demand. Having raised over $17.6 million and attracted more than 17,300 holders, Mutuum Finance is preparing for its V1 protocol launch on the Sepolia testnet in Q4 2025, followed by Layer-2 integration, multi-chain expansion, and the release of its own stablecoin to further enhance utility and platform adoption.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance