Dubai, UAE, October 8, 2025
Mutuum Finance (MUTM), a new crypto project building in the decentralized finance (DeFi) space, announced in early October that it will launch the first version of its lending and borrowing platform on the Sepolia testnet in Q4 2025. This upcoming testnet launch represents a key roadmap milestone, as the team prepares to trial core features including liquidity pools, mtTokens, debt tokens, and a liquidator bot ahead of the full platform release.
A Key Milestone in Mutuum Finance’s Roadmap
The upcoming testnet launch marks a crucial phase in Mutuum Finance’s development. Announced on X, this Q4 rollout represents the first major step toward the full release of its lending and borrowing platform. The testnet will initially support ETH and USDT for lending, borrowing, and collateral, with additional tokens expected later on. By focusing on liquidity pools, mtTokens, debt tokens, and the liquidator bot, the team aims to fine-tune the protocol’s core mechanics in a live environment before going public.
This stage is also crucial for building community trust and ensuring long-term platform stability. By opening the system to early users and developers, Mutuum Finance can collect meaningful feedback, fine-tune the platform’s core mechanics, and demonstrate how it performs under real market conditions. In the DeFi ecosystem, successful testnet phases often lay the groundwork for broader adoption, making this milestone a significant step in the project’s roadmap.
Bringing Flexibility to On-Chain Borrowing and Lending
Mutuum Finance is building its platform around a dual-market structure that blends Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. In the P2C model, users can supply their crypto assets into shared liquidity pools, where they automatically start earning interest. This creates a way to generate passive income through APY, similar to traditional savings but fully on-chain.
The P2P marketplace adds more flexibility. Here, users can create custom lending or borrowing agreements directly with one another. This feature also opens the door to lending and borrowing tokens that aren’t supported in the pooled markets for example, SHIB or DOGE giving traders more options to use their assets effectively.
Borrowers also benefit from this structure. Someone holding ETH, for instance, can use it as collateral to borrow stablecoins like USDT without selling their ETH. This allows them to keep exposure to potential price gains while accessing liquidity for other investments or expenses.
All deposits into the system generate mtTokens, issued 1:1 as a proof of deposit. These tokens accrue value as interest builds up and can also be staked for extra rewards. Through the platform’s buy-and-distribute mechanism, a portion of fees is used to purchase MUTM tokens from the open market and redistribute them to stakers. This structure rewards active participants while supporting token demand.
Strong Presale Momentum Ahead of the Next Price Step
Mutuum Finance is currently in its presale phase, having already raised over $17 million and attracted more than 16,800 holders. The presale has reached Phase 6, with the token priced at $0.035, and is steadily moving toward Phase 7. In the next stage, the price is set to rise by nearly 20%, creating a clear step-up structure. With around 60% of Phase 6 already completed, momentum is building as participants look to secure tokens before the next price adjustment.
According to the project’s tokenomics, the total supply of MUTM tokens is 4 billion, with 1.82 billion allocated to the presale. So far, more than 750 million tokens have been sold, leaving nearly half of the allocation still available. The launch price is set at $0.06, which represents a 600% increase from the first presale phase price of $0.01 and close to 2x from the current $0.035.
According to its roadmap, the team is also planning to launch the lending and borrowing platform simultaneously with the token’s debut. This coordinated launch could increase the project’s chances of being listed on major exchanges, boosting visibility and drawing in more investors interested in exploring its features.
Mutuum Finance has also undergone a CertiK audit, receiving a 90/100 Token Scan score, which strengthens trust in its smart contracts. In partnership with CertiK, the team introduced a $50,000 bug bounty program in USDT, encouraging developers to identify vulnerabilities and contribute to the platform’s security.
Beyond its technical achievements, Mutuum Finance has added community-focused incentives. A $100,000 giveaway gives participants the chance to win $10,000 worth of MUTM tokens, with 10 winners in total. The dashboard lets users view their holdings and calculate potential ROI based on their investments, making it easier to track participation. Additionally, a Top 50 leaderboard rewards the biggest investors with bonus MUTM tokens, adding a competitive and engaging element to the presale experience.
As Mutuum Finance (MUTM) prepares for the Q4 2025 testnet launch of its V1 lending protocol, the project is steadily advancing on both the development and fundraising fronts. The upcoming rollout on Sepolia will allow the team to showcase and refine its core lending and borrowing features, setting the stage for a full-scale release.
At the same time, the presale remains active, with Phase 6 already 60% sold out and the next price step approaching. With over $17 million raised and strong community participation, Mutuum Finance continues to attract attention as it builds toward its next milestone.
About Mutuum Finance (MUTM)
Mutuum Finance is a DeFi project focused on making crypto lending and borrowing more flexible through a dual-market model that combines Peer-to-Contract pools with a Peer-to-Peer marketplace. Users can earn APY on pooled assets or create custom lending agreements, while mtTokens provide proof of deposit and staking rewards through a buy-and-distribute mechanism. The project has raised over $17 million in its presale, passed a CertiK audit with a 90/100 score, and is preparing to launch its V1 lending protocol on the Sepolia testnet in Q4 2025.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance