Mutuum Finance (MUTM) is steadily emerging as one of the most closely watched DeFi projects of 2025. In a market where many new tokens rely on hype and speculation, the project’s structured rollout and transparent fundraising have attracted increasing attention. With more than 750 million tokens sold, over $17.1 million raised, and 61% of Phase 6 completed, the next major price step is approaching, signaling a key moment in the protocol’s trajectory.
Presale Momentum Reaches New Milestone
Mutuum Finance’s presale is built around a fixed-price, staged structure, which has been central to maintaining consistent growth. The sale began at $0.01 per token in Phase 1, offering one of the most attractive early entry points of the year. Since then, the token has moved through five fully completed stages to reach $0.035 in Phase 6, representing a 250% price increase for the earliest participants.
Each stage offers a set number of tokens at a fixed price, and once the allocation sells out, the next stage begins at roughly 20% higher, giving early buyers clear appreciation while maintaining pricing transparency for newcomers. Phase 7 will raise the price to $0.04, with the final listing price locked at $0.06, setting a clear valuation trajectory as MUTM approaches listing. Early participants from Phase 1 are positioned for up to 500% token appreciation by launch, while those joining at the current presale price are still set for a potential 100% increase at listing.
Out of the total 4 billion MUTM tokens, 1.82 billion are allocated for the presale. With over 750 million tokens already sold, nearly half of the allocation remains available, though supply is shrinking as Phase 6 progresses. The structured model has helped the project sustain momentum and build confidence at each price step, unlike hype-driven sales that often stagnate after initial excitement.
Upcoming V1 Testnet Launch in Q4 2025
Mutuum Finance’s appeal isn’t just based on fundraising, it’s tied to a clear technical development roadmap. The team recently confirmed via an X statement that V1 of the lending and borrowing protocol will launch on the Sepolia testnet in Q4 2025. This rollout will introduce the platform’s core components, including liquidity pools, mtTokens, debt tokens, a price oracle aggregator, and a liquidator bot.
The first supported assets will be ETH and USDT, enabling users to lend, borrow, and post collateral in a live environment ahead of the mainnet release. This timeline signals that the team is advancing development in parallel with fundraising, a key differentiator from many presales that raise capital long before delivering tangible products.
Real Yield and Dual Lending Mechanics
Mutuum Finance’s design blends Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models. In the P2C structure, users supply major crypto assets like ETH or USDT into shared liquidity pools. In return, they receive mtTokens (e.g., mtETH) at a 1:1 ratio, which automatically accrue interest over time.
For example, a lender depositing $10,000 worth of ETH could receive an average APY of around 15%, yielding potentially $1,500 in interest over a year. These mtTokens can also be used as collateral, enabling users to compound their earning potential without liquidating their holdings.
On the borrowing side, a user posting $2,000 worth of ADA as collateral at a 75% Loan-to-Value (LTV) ratio could borrow $1,500 worth of stablecoins, choosing between variable and stable interest rates. Stable rates automatically rebalance at 90% of variable rates, ensuring predictable repayment conditions and reducing liquidation risks.
The P2P market complements this system by allowing users to create customized lending agreements for less common or higher-risk tokens such as DOGE or SHIB, while keeping these activities isolated from the main liquidity pools to protect overall stability.
This dual lending architecture allows Mutuum Finance to support both mainstream and niche assets, combining scalability with risk management, a structure that analysts believe could position MUTM as a competitive lending protocol in the DeFi space.
Security and Transparency Measures
Mutuum Finance has made security a central pillar of its rollout. The protocol completed a CertiK audit, achieving a 90/100 Token Scan score and a 79/100 Skynet score, indicating strong smart contract integrity. To reinforce this, the team launched a $50,000 tiered bug bounty, encouraging external developers to identify vulnerabilities ahead of the public launch.
Community incentives are also playing a key role in the presale’s momentum. A $100,000 giveaway will reward ten winners with $10,000 worth of MUTM each, increasing visibility and rewarding early supporters. A Top 50 leaderboard highlights the largest contributors, granting bonus MUTM allocations to those ranked highest.
Investors can connect their wallets to a real-time dashboard to track their holdings, presale progress, and calculate potential ROI, adding both transparency and gamification to the fundraising process.
About Mutuum Finance (MUTM)
Mutuum Finance is a decentralized lending and borrowing protocol built on Ethereum. It combines pooled markets with a P2P marketplace to create flexible, capital-efficient on-chain credit systems. Users receive mtTokens as proof of deposit, which accrue yield and can be staked for MUTM rewards through a buy-and-distribute mechanism that drives recurring demand for the token. With 61% of Phase 6 already sold, the next 20% price step to $0.04 is fast approaching. Historically, late presale stages with clear development timelines often see demand accelerate as listing draws closer, and Mutuum Finance is following this pattern.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance