Dubai, UAE, October 21, 2025
Mutuum Finance (MUTM) has completed the first phase of its four-stage development roadmap, marking a key milestone in its journey toward launching its Version 1 (V1) protocol. The project, which operates on the Ethereum network, continues to attract attention within the decentralized finance (DeFi) space for its structured approach, steady progress, and transparent updates.
Phase 1 Completion Marks a Strong Foundation
Phase 1 focused on building the groundwork for Mutuum Finance’s upcoming decentralized lending and borrowing ecosystem. During this phase, the team successfully initiated the presale, rolled out community and marketing campaigns, and launched educational content explaining how the platform will operate once live.
Additionally, Mutuum Finance completed an external smart contract audit conducted by CertiK, one of the leading blockchain security firms, achieving a strong 90/100 Token Scan score. This milestone has helped the project establish credibility early on by demonstrating its commitment to safety and code reliability.
Phase 1 also included the implementation of an AI-powered helpdesk to assist users and the formation of a legal and compliance team to ensure the project aligns with evolving regulatory standards in the crypto sector. With these essential steps now complete, the project is moving confidently into the next stage of development.
Preparing for the V1 Protocol Launch
Mutuum Finance has now entered Phase 2, which centers on product testing and ecosystem readiness for its upcoming V1 protocol release. The V1 version will launch on the Sepolia testnet in Q4 2025, introducing the project’s first live iteration of its decentralized lending and borrowing platform.
The testnet deployment will include several core components: liquidity pools, mtTokens, debt tokens, and a liquidation mechanism. ETH and USDT will be the initial supported assets for lending, borrowing, and collateral use. This setup aims to provide users with an efficient and transparent DeFi experience while testing real-world functionality in a controlled environment.
Mutuum’s system revolves around mtTokens, which represent user deposits and automatically accumulate value as lending activity grows. These tokens can also be staked to earn additional MUTM rewards through a buy-and-distribute model, where a portion of protocol fees is used to purchase MUTM from the open market and redistribute it to stakers. This mechanism is designed to reinforce long-term token value as platform usage expands over time.
Presale Progress and Community Growth
Mutuum Finance’s ongoing presale has been another highlight of its early development. The token, MUTM, is currently priced at $0.035 in Phase 6, after starting at $0.01 in Phase 1 — representing a 250% price increase for early buyers. The project has already raised more than $17.7 million and onboarded over 17,300 holders.
Phase 6 is now over 70% sold out, with the next price stage set at $0.04, marking a further 20% increase. This structured, phase-based model not only gives early participants a clear sense of progression but also highlights steady investor confidence in the project’s development trajectory.
The presale forms part of the project’s broader strategy to fund testing, audits, and future exchange listings once the protocol launches. Some market observers believe that the combination of a live product and an already engaged investor community could position MUTM among the top cryptos to watch heading into 2026.
Beyond the testnet rollout, Mutuum Finance’s roadmap includes plans to introduce a USD-pegged stablecoin, expand to Layer-2 scaling networks, and deploy multi-chain functionality. These features are designed to enhance the platform’s scalability, reduce gas costs, and broaden its ecosystem reach across multiple blockchains.
The planned stablecoin will be over-collateralized and integrated directly within the Mutuum Finance ecosystem. Interest generated from lending and borrowing activities will flow into the project’s treasury, supporting liquidity incentives and adding to long-term ecosystem stability.
By introducing these layers of functionality, Mutuum Finance aims to create a self-sustaining ecosystem that combines transparency, usability, and sustainable revenue models — areas that continue to drive investor interest in next-generation DeFi platforms.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is an Ethereum-based DeFi protocol focused on decentralized lending and borrowing. The platform is designed to allow users to lend digital assets to earn yield or borrow against collateral with flexible terms. Its architecture integrates a dual lending system and a buy-and-distribute model, linking token demand directly to platform activity. With a V1 testnet launch scheduled for Q4 2025 and over $17.7 million raised through its presale, Mutuum Finance continues to establish itself as one of the emerging new cryptos shaping the future of decentralized finance.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance