Dubai, UAE, October 18, 2025
Mutuum Finance (MUTM) has announced the completion of Phase 1 of its development roadmap, marking a key milestone as the project transitions toward the launch of its Version 1 (V1) protocol on the Sepolia testnet in Q4 2025. With the groundwork now established, Mutuum Finance is entering a pivotal stage of its rollout, focusing on functionality, ecosystem readiness, and community engagement ahead of its anticipated platform debut.
Phase 1 Completion Marks Foundational Progress
Phase 1 of Mutuum Finance’s four-stage roadmap covered the establishment of the project’s initial infrastructure, including the launch of its presale, marketing initiatives, and the creation of educational content to help users understand the platform’s mechanics. The team also finalized an external audit of the MUTM smart contract, ensuring transparency and code reliability early in the development cycle.
With these objectives met, the project has now moved into Phase 2, which concentrates on product testing, community growth, and the technical preparations for the V1 protocol release. This next phase will set the stage for Mutuum Finance’s entry into the live DeFi environment through a testnet deployment designed to validate functionality before the full mainnet rollout.
V1 Protocol to Launch on Sepolia Testnet in Q4 2025
The upcoming V1 protocol launch represents a critical step in Mutuum Finance’s roadmap. Set to debut on Sepolia testnet, the platform will introduce its decentralized lending and borrowing framework, allowing users to lend, borrow, and earn passive income through smart contract–based mechanisms.
One of the protocol’s core components is the mtToken system, which provides depositors with 1:1 digital receipts for their supplied assets. These mtTokens automatically accumulate value as interest accrues, reflecting each user’s share of the platform’s total liquidity. Additionally, mtTokens can be staked to earn additional MUTM rewards through a buy-and-distribute model, where part of the protocol’s revenue is used to repurchase MUTM tokens from the open market and redistribute them to stakers, a mechanism intended to support long-term token demand.
For example, a user supplying $20,000 worth of USDT could potentially earn around 10–12% annually, depending on liquidity conditions and utilization rates. Borrowers will also benefit from the platform’s structure, as they will be able to collateralize assets such as ETH to borrow stablecoins like USDT without liquidating their holdings — preserving exposure to potential price appreciation while accessing liquidity.
Presale Momentum and Token Price Progression
Mutuum Finance’s presale has been a cornerstone of its early growth. Since launching in early 2025, the project has raised over $17.6 million and attracted more than 17,300 holders. The presale follows a transparent, phase-based structure that rewards early participants with progressive price appreciation.
The MUTM token started at $0.01 in Phase 1 and is now priced at $0.035 in Phase 6, reflecting a 250% increase since inception. The launch price is set at $0.06, meaning investors entering at current levels are purchasing the token at a discount relative to the listing stage. Around 70% of the current phase has already been sold, and the next 20% price increase will take effect when this phase concludes.
According to the project’s roadmap, the MUTM token is expected to list on major centralized (CEX) and decentralized exchanges (DEX) at the same time the platform goes live. This simultaneous launch strategy is designed to boost initial trading volume and align the token’s utility with real on-chain functionality.
Looking beyond the testnet release, Mutuum Finance’s upcoming roadmap phases include Layer-2 integration, multi-chain expansion, and the creation of an over-collateralized USD-pegged stablecoin. This stablecoin will act as a key part of the protocol’s lending ecosystem, helping stabilize yields and directing a portion of interest revenue back into the project’s treasury.
These initiatives are expected to enhance the platform’s scalability, efficiency, and liquidity reach — positioning it as a competitive player in the DeFi crypto world. As the project evolves, these features will aim to strengthen the long-term value proposition of the MUTM token and broaden its utility across multiple blockchain environments.
Mutuum Finance’s team has emphasized transparency and accessibility throughout its presale and development process. The introduction of a real-time dashboard allows contributors to track their holdings and estimated returns, while a 24-hour leaderboard ranks participants based on activity, rewarding the top contributor each day with $500 worth of MUTM tokens.
These features reflect a community-focused approach that encourages engagement while maintaining visibility into token distribution. Such interactive elements have helped the project sustain momentum throughout its presale and build a loyal investor base ahead of the upcoming testnet milestone.
With 70% of Phase 6 already sold out, Mutuum Finance is moving steadily toward its next development milestone and the upcoming V1 protocol testnet launch in Q4 2025. The combination of strong presale traction, ongoing community participation, and visible progress across its roadmap continues to position the project as one of the more closely followed DeFi crypto initiatives heading into 2026.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol built on Ethereum, designed to improve efficiency and transparency in digital asset management. The project uses a structured token model centered around mtTokens, which represent user deposits and generate yield over time. Its ecosystem integrates yield-based mechanics, risk management, and a forward-looking roadmap that includes Layer-2 integration, multi-chain expansion, and the launch of a USD-pegged stablecoin. With over $17.6 million raised during its presale and a V1 testnet launch scheduled for Q4 2025, Mutuum Finance has drawn growing attention as one of the emerging DeFi crypto projects to watch in the coming year.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance