DUBAI, United Arab Emirates, November 14, 2025 (GLOBE NEWSWIRE) — The DeFi sector continues to attract attention as investors look to projects showing steady development and strong fundamentals. Among the rising names, Mutuum Finance (MUTM) has become one of the top cryptos to watch heading into 2026. The project is now moving forward into Phase 2 of its roadmap, moving closer to the release of its V1 protocol, which has been officially confirmed for Q4 2025.
Mutuum Finance’s approach has been defined by structure and delivery rather than speculation. Each milestone has been achieved with steady progress, growing participation, and growing community interest, key signs of a project gaining traction ahead of its mainnet launch.
Aiming to redefine DeFi lending
Mutuum Finance (MUTM) is a new crypto designed to make on-chain lending and borrowing more transparent and efficient. Its protocol allows users to lend digital assets and earn passive income while allowing borrowers to access liquidity without giving up ownership of their assets.
Every process on the platform is automated via smart contracts, eliminating middlemen and minimizing the risk of manual error or centralized control. Mutuum Finance’s system aims to bridge the gap between security and accessibility, an area where many previous DeFi platforms have struggled.
The project has already gained traction in its pre-sale phase, supported by growing investor confidence. Mutuum Finance has raised $18.7 million so far, amassing a strong and active base of over 18,000 holders. These numbers reflect both broad community engagement and growing confidence in its long-term mission.
Token Prices and Presale Growth
MUTM’s presale performance has been among the most impressive of 2025. Launched in early 2025 with a starting price of $0.01, the token has since climbed to $0.035 during Phase 6, marking a 250% increase since its inception.
Phase 6 is now over 88% allocated, signaling strong demand from investors. Each phase of the presale follows a fixed price and allocation model, meaning higher demand leads to faster progression to the next stage and a higher token price. This structure keeps the presale active while ensuring transparency for participants.
Mutuum Finance also runs a 24-hour leaderboard, rewarding the top daily contributor with $500 worth of MUTM tokens. This system adds a competitive and transparent layer to the pre-sale, keeping the community engaged and encouraging consistent participation.
Token provision and payment flexibility
Of the total supply of 4 billion MUTM tokens, 45.5% (approximately 1.82 billion) are dedicated to pre-sale, ensuring that almost half of all tokens go directly to early supporters. So far, 800 million tokens have been sold, marking significant progress toward full pre-sale allocation.
The project also simplified access for buyers. Investors can now purchase MUTM directly with a card, and there is no purchase limit, making it easier for both small and large participants to join. This accessibility feature has been a major driver of this dynamic, as it removes one of the biggest barriers typically encountered in participating in the presale.
Building the heart of Mutuum Finance
Mutuum Finance is currently in phase 2 of its roadmap, entitled Building Mutuum. This stage focuses on completing the development of the core smart contracts, DApp interface and backend systems. It also includes fine-tuning of risk parameters such as collateral thresholds, interest rate models and liquidation triggers, essential elements to maintain the stability of the protocol once the system goes live.
This phase bridges the gap between initial fundraising and product preparation. The team is working to ensure the lending and borrowing mechanisms run smoothly and efficiently before launching the testnet version of the protocol later this year.
Confirmed launch of V1 in Q4 2025
Mutuum Finance’s most awaited update came via its official announcement on Xconfirming that the V1 testnet is set for the fourth quarter of 2025 on the Sepolia network.
This initial release will introduce the main components of the project: liquidity pools, mtTokens, debt tokens and the Liquidator Bot. Together, they will form the basis of Mutuum’s lending ecosystem. Liquidity pools will allow users to deposit assets and earn interest, while mtTokens will serve as proof of deposit that automatically accumulates yield. Debt tokens will track borrowing positions and the Liquidator Bot will help maintain balance by efficiently managing undercollateralized loans.
The protocol will initially support ETH and USDT for lending, borrowing, and collateral, two assets known for their strong liquidity and reliability. These early integrations ensure the system launches with a stable, accessible foundation before expanding to additional assets in future updates.
Growing Confidence and Market Dynamics
The steady rise of Mutuum Finance has positioned it among the top crypto projects in development this year. Steady progress on both the pre-sale and technical roadmap levels has fueled growing enthusiasm as the project moves from fundraising to functional delivery.
Each step, from the expanding community and ranking system to the confirmed V1 launch, has added credibility and FOMO around the token. As the presale nears its final phase and Phase 6 is almost fully allocated, investor attention continues to intensify.
As Phase 2 advances and testnet V1 approaches, Mutuum Finance prepares to enter its most critical phase yet, one that will introduce its technology to the broader DeFi market and set the tone for its mainnet rollout in 2026.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
