Mutuum Finance (MUTM), a new DeFi cryptocurrency project, is advancing on multiple fronts as it prepares for a key stage in its development. In early October, the team confirmed that V1 of its lending and borrowing protocol will launch on the Sepolia testnet in Q4 2025, marking one of the project’s most significant milestones to date. At the same time, its presale has surpassed 65% completion in Phase 6, reflecting growing interest from investors.
Structured Presale With Strong Momentum
Mutuum Finance’s presale follows a staged pricing model designed to reward early participants. The token started at $0.01 in Phase 1 and now trades at $0.035 in Phase 6, a 250% increase from its earliest stage. The launch price is set at $0.06, representing a 600% rise from the starting point and nearly a 2x increase from the current price.
More than 750 million tokens have been sold so far, contributing to over $17.3 million raised in total funding. The project has also attracted more than 17,000 holders, demonstrating growing community engagement as the presale approaches the next 20% price increase in Phase 7.
V1 Protocol Launch: A Major Roadmap Milestone
The upcoming launch of the lending and borrowing protocol on the Sepolia testnet will be the first time Mutuum Finance’s infrastructure is live for users to explore. This phase will focus on validating the platform’s mechanics ahead of the mainnet release.
Key V1 components include:
- Liquidity pool contracts for deposits, loans, and liquidations
- mtTokens issued 1:1 for deposits, accruing value over time
- Debt tokens for accurate interest tracking
- Automated liquidator bot to keep pools healthy
ETH and USDT will be supported for lending, borrowing, and collateral at launch, with more assets to be added later. This testnet phase represents a critical step in transforming Mutuum Finance from a presale concept into a functioning DeFi protocol.
How the Platform Works
Mutuum Finance’s model is centered on creating a flexible on-chain lending and borrowing ecosystem through two core options: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C structure, users can supply assets like ETH or USDT into liquidity pools and start earning passive income through variable APY, which adjusts based on pool activity. This allows depositors to generate returns without actively managing their assets. In parallel, the P2P marketplace lets users create custom lending and borrowing agreements, including for tokens not available in the pooled markets, such as DOGE or SHIB, offering more flexibility and reach.
All deposits are represented by mtTokens, ERC-20 tokens issued 1:1 to the deposited amount. These mtTokens automatically accrue value as interest builds and can be staked to earn MUTM dividends. The dividends come from a buy-and-distribute mechanism that allocates part of the platform’s fees to purchase MUTM from the open market and redistribute it to stakers. This approach not only rewards active participants but also supports long-term token demand, potentially benefiting the MUTM price as platform activity grows.
Phase 1 of Mutuum Finance’s roadmap has been completed, with three phases ahead. One of the key goals in Phase 4 is the simultaneous launch of the platform and MUTM token listing on exchanges. This coordinated rollout could improve the chances of Tier-1 and Tier-2 listings, boost visibility, and potentially support early price performance after launch.
Future developments include Layer 2 integration, multi-chain expansion, and the introduction of an over-collateralized stablecoin, features aimed at scaling the protocol and increasing its utility within the DeFi crypto ecosystem.
About Mutuum Finance (MUTM)
Mutuum Finance is a DeFi project focused on building a dual-model lending and borrowing platform on Ethereum. By combining liquidity pool lending with flexible borrowing mechanisms, the project aims to make crypto investing more efficient and accessible. With over $17.3 million raised, a growing holder base, and a confirmed Q4 2025 protocol launch, Mutuum Finance is emerging as one of the most closely watched new cryptocurrency projects heading into 2025.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance