Dubai, UAE, October 15, 2025
Mutuum Finance (MUTM), a new crypto project built on the Ethereum network, has reached a key funding milestone as it moves closer to launching its protocol. The team has raised over $17.4 million through its structured presale, attracting more than 17,100 token holders so far. This momentum comes as the project prepares to launch Version 1 of its lending and borrowing protocol on the Sepolia testnet in Q4 2025, marking a major step forward in its development roadmap.
Presale Momentum: Over 65% Sold Out in Current Phase
The presale has been a driving force behind Mutuum Finance’s rapid growth. Phase 6 is already over 65% sold out, with the token currently priced at $0.035. Once this phase concludes, the price will rise by 20% in Phase 7, moving closer to the final launch price of $0.06.
For comparison, the first phase of the presale started at $0.01, meaning the token price is set to increase by around 600% by the time it reaches the launch price. Phase 6 is expected to close by the end of October, reflecting strong market interest despite broader fluctuations in crypto prices.
Out of the 4 billion total token supply, 1.82 billion MUTM tokens have been allocated for the presale, with nearly half already sold. Across the five completed phases and the current Phase 6, a total of approximately 760 million tokens have been sold to date.
New DeFi Crypto Targeting the Lending Market
Mutuum Finance is developing a decentralized lending and borrowing ecosystem built around a dual-market structure, combining Peer-to-Contract (P2C) liquidity pools with a Peer-to-Peer (P2P) lending marketplace. Through the P2C model, users can supply assets like ETH and USDT into shared liquidity pools and automatically earn interest, while borrowers can access funds at competitive rates.
Alongside this, the P2P marketplace enables more tailored agreements for assets that typically aren’t supported in standard pools, including volatile tokens and memecoins such as SHIB and DOGE.
All deposits in the P2C pools generate mtTokens, interest-bearing receipt tokens that reflect users’ positions and accumulate yield over time. Platform fees collected from lending activity are directed into a buy-and-distribute mechanism, where MUTM tokens are bought back from the market and redistributed to token holders as dividends. By integrating this feedback loop, Mutuum Finance aligns platform growth with long-term token value, while supporting both stable and variable interest rate models to enhance capital efficiency.
Q4 2025 Testnet Launch: Core Features to Be Rolled Out
Mutuum Finance is preparing to launch the first version of its lending and borrowing protocol on the Sepolia testnet in Q4 2025. This rollout will introduce core features that replicate the platform’s main functionality in a controlled environment, allowing the team to fine-tune systems and ensure stability before the mainnet launch.
The initial testnet version will include:
- Liquidity pools for deposits and loans
- mtToken issuance to accurately track user yields
- Debt token mechanics for interest calculation and accounting
- Automated liquidator bot to ensure collateral health
- ETH and USDT support from day one, with further asset integrations planned later
This initial rollout allows the team to gather community feedback, ensure system stability, and fine-tune lending mechanics before the mainnet launch. It also gives early participants and developers a clearer view of how Mutuum’s architecture works in practice.
Security has been a priority for Mutuum Finance. The project’s smart contracts underwent an audit by CertiK, achieving a 90/100 Token Scan score. In addition, a $50,000 bug bounty program has been launched to encourage white-hat testing and identify potential vulnerabilities.
Future Developments
Beyond the testnet launch, Mutuum Finance’s roadmap outlines several upcoming developments aimed at expanding its functionality and market reach. One key upgrade is the planned Layer-2 integration, which will help lower transaction costs and improve network speed, making the platform more efficient for users.
Another major step will be the introduction of an over-collateralized USD-pegged stablecoin, designed to create additional utility within the ecosystem. Interest generated through this stablecoin will flow back to the treasury, supporting long-term sustainability.
Finally, Mutuum Finance plans to expand across multiple chains, bringing its protocol to additional networks. This multichain expansion is intended to broaden liquidity sources and make the platform accessible to a wider range of users in the DeFi space.
These features are designed to position Mutuum Finance as a top crypto to watch within the DeFi lending space over the coming years.
The team has also placed emphasis on community participation through various incentives. A $100,000 giveaway campaign was launched to reward early supporters, with 10 participants receiving $10,000 worth of MUTM tokens each.
Additionally, a 24-hour leaderboard system was recently introduced to the dashboard. It refreshes daily, ranking participants based on their contributions within each 24-hour period. The top participant each day receives a $500 MUTM bonus, encouraging ongoing engagement throughout the presale.
Mutuum Finance’s mix of strong fundraising results, a well-structured presale, and a clear development roadmap has paved the way for its upcoming Q4 2025 protocol launch. With more than $17.4 million raised, over 65% of the current presale phase already completed, and upgrades like Layer-2 scaling and multichain expansion planned, the project is drawing attention as one of the top crypto projects to watch in the DeFi Crypto space.
About Mutuum Finance (MUTM)
Mutuum Finance is a decentralized lending and borrowing protocol that combines Peer-to-Contract liquidity pools with a Peer-to-Peer marketplace. This dual structure lets users earn yield on major assets like ETH and USDT while enabling custom lending for tokens such as SHIB and DOGE. The platform utilizes mtTokens to track yields and applies a buy-and-distribute mechanism to repurchase MUTM tokens using platform fees. Having raised over $17.4 million and with a Q4 2025 testnet launch on the horizon, Mutuum Finance is moving toward Layer-2 scaling, stablecoin integration, and multichain expansion.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance