Dubai, UAE, October 20, 2025
A new name in decentralized finance is quickly gaining attention for pairing visible progress with structured growth. Mutuum Finance (MUTM) has crossed another major presale milestone, surpassing 770 million tokens sold as it moves toward the upcoming launch of its V1 lending and borrowing protocol on the Sepolia testnet in Q4 2025.
While many early-stage projects struggle to maintain transparency before launch, Mutuum Finance has already established a track record of delivery — blending a defined roadmap, regular development updates, and a strong community presence. The growing momentum surrounding the presale suggests that investors are taking notice of a project built around functionality rather than speculation.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is an Ethereum-based lending and borrowing platform designed to make decentralized finance more efficient and transparent. Unlike traditional lending systems, it operates entirely through smart contracts, giving users direct control over their assets while eliminating intermediaries.
The protocol uses a dual-market structure that supports both pooled and custom lending interactions. In Peer-to-Contract (P2C) markets, users can deposit assets such as ETH or USDT into shared liquidity pools, earning yield automatically as borrowers draw from the pool. For tokens that may lack deep liquidity or popularity, Peer-to-Peer (P2P) markets allow users to negotiate their own lending terms directly.
The project’s presale follows a fixed-stage format that has become a hallmark of its transparency. Each stage features a set price and allocation, and once sold out, the next stage opens at a higher price. The token is currently in Phase 6, priced at $0.035, and has already reached 70% allocation. More than 17,300 participants have joined the sale so far, contributing to a total raise of $17.6 million.
Development Progress and Protocol Design
In an official X statement, the Mutuum Finance team confirmed that its V1 protocol is under active development and will launch on the Sepolia testnet in Q4 2025. The initial release will include essential components such as a Liquidity Pool, mtToken, Debt Token, and Liquidator Bot, with ETH and USDT supported as the first lending and collateral assets.
Depositors in the system receive mtTokens, which serve as interest-bearing receipts representing their share of the pool. These tokens automatically accumulate value as interest is paid by borrowers and can later be redeemed for the original asset plus accrued yield.
Mutuum Finance also incorporates a buy-and-distribute model that directly connects platform activity to token demand. A portion of lending fees and protocol revenue is used to buy MUTM tokens from the open market, which are then redistributed to users who stake mtTokens in the safety module. This mechanism creates organic buy pressure and ensures that active participants benefit from the protocol’s growth over time.
Oracles, Security Audit, and Bug-Bounty Program
Accurate pricing data is critical for any lending protocol, and Mutuum Finance plans to achieve this through a robust oracle infrastructure. The project’s design anticipates using Chainlink data feeds, a proven system for delivering decentralized price information across multiple blockchains.
Security verification is another area where Mutuum Finance has delivered early results. The project completed a CertiK audit, achieving an impressive 90/100 Token Scan score, which confirms that its smart-contract code meets industry safety standards.
Beyond audits, the team launched a $50,000 bug-bounty program to encourage independent testing. Rewards range from $200 for low-severity findings to $2,000 for critical vulnerabilities, creating continuous oversight before the platform handles live liquidity. This open-testing policy has been widely praised for adding accountability to the project’s pre-launch phase.
Stablecoin Integration and Why It Matters
Looking beyond its lending architecture, Mutuum Finance has outlined plans to develop a USD-pegged stablecoin as part of its future roadmap. The stablecoin will be over-collateralized and minted or burned on demand, maintaining its value through direct backing from assets within the protocol’s lending pools.
Interest generated from these pools will flow into the project’s treasury, helping sustain the ecosystem and providing additional rewards for token holders. This stablecoin framework is designed to strengthen Mutuum Finance’s internal economy in several ways.
First, it will stabilize borrowing and lending markets by giving users a predictable, USD-pegged unit of account that reduces volatility across transactions. At the same time, it will improve liquidity efficiency, allowing participants to borrow, lend, or trade without relying solely on third-party stable assets. Most importantly, the stablecoin will anchor Mutuum Finance’s long-term utility, ensuring that every token interaction within the ecosystem contributes to genuine demand and supports sustainable value creation.
In addition, the roadmap includes Layer-2 scaling solutions that will reduce transaction fees and enhance transaction speed. By expanding to Layer-2 networks, Mutuum Finance aims to make DeFi crypto participation more accessible to smaller investors while maintaining the platform’s decentralized structure.
About Mutuum Finance (MUTM)
Mutuum Finance is a new crypto project built on Ethereum, developing a decentralized lending and borrowing ecosystem that prioritizes transparency and efficiency. The platform introduces mtTokens—interest-bearing tokens that reflect user deposits—and a buy-and-distribute model that links platform revenue directly to token demand. With over $17.6 million raised and a V1 protocol launch planned on the Sepolia testnet in Q4 2025, Mutuum Finance is positioning itself as a promising entrant in the DeFi crypto world, combining structured development, security audits, and scalable long-term utility.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance