DUBAI, United Arab Emirates, December 02, 2025 (GLOBE NEWSWIRE) — A new development update has been Mutuum Finance (MUTM) back in the spotlight. As the project moves closer to its V1 release in Q4 2025, attention around this new DeFi crypto continues to grow. With audited contracts and rapid community expansion, analysts who monitor top crypto trends say the next few months could define the project’s early trajectory.
Why interest is increasing
Mutuum Finance is developing a dual lending protocol designed to support on-chain borrowing and lending activities. Users contribute assets such as ETH or USDT and receive mtTokens in return. The value of these mtTokens increases as borrowers repay interest, providing providers with a natural return tied to actual usage of the protocol. Borrowers access liquidity with adjustable interest rates and follow collateral rules that protect the system in the event of market volatility.
Investor interest has continued to grow this year. Mutuum Finance has raised $19.1 million so far and attracted over 18,300 holders. The team says this early traction is an important signal as the project prepares to roll out its first public release.
Price progress, phase status and community activity
The presale opened in early 2025 at $0.01. The token is now trading at $0.035, reflecting a 250% increase during the early stages of development. Analysts believe this steady rise indicates steady demand rather than short-term speculation.
Mutuum Finance is now in phase 6 and allocation is almost complete. This stage sits above 98%, leaving very little supply at the current price. Each presale phase comes with a fixed token amount and a fixed price. When a phase is exhausted, the next phase begins at a higher level.
Daily activity is supported by the 24-hour leaderboard, where the top contributor earns $500 in MUTM. This system made it possible to maintain a regular influx and increased visibility throughout the pre-sale.
Distribution and access to tokens
Mutuum Finance has a total supply of 4 billion MUTM tokens. Of this total, 1.82 billion tokens (45.5%) were allocated to the presale stages. More than 810 million tokens have been purchased by early contributors. Analysts say this early broad distribution helps stabilize long-term performance by keeping much of the supply in the hands of the community rather than concentrating it among a few holders.
To simplify participation, Mutuum Finance supports card payments, allowing new users to sign up without additional steps or complicated transfers. The team reports that this has contributed to growing participation, particularly in regions where traditional crypto funding methods are less practical.
Progress of V1 and phase 2 before the Testnet
One of the main catalysts attracting attention is the upcoming Testnet release. Mutuum Finance confirms its official X account that the V1 protocol will be launched on Sepolia in Q4 2025. The first version will include the liquidity pool, mtTokens, debt tracker and liquidator robot. ETH and USDT will be the first supported assets.
Alongside the testnet schedule, Mutuum Finance continues to advance in phase 2 of its roadmap. This stage includes final smart contract development, front-end and back-end integration, security enhancements, feature refinement, and internal testing. These updates suggest the protocol is moving from concept to execution, which analysts say is an important milestone for any new crypto project.
Halborn Security Foundation and Review
Safety was at the heart of the project’s message. Mutuum Finance completed a CertiK audit and received a Token Scan score of 90/100, a rating that stands out among early-stage DeFi projects. Furthermore, Halborn Security conducts a thorough review of loan and borrowing agreements to prepare them for the launch of the testnet.
The team also runs a $50,000 bug bounty to quickly identify any vulnerabilities. Analysts say this overall focus on security helps build trust, especially for a protocol focused on on-chain lending, collateral and liquidations.
Why analysts are watching MUTM closely
Several analysts who follow early DeFi ecosystems say Mutuum Finance could be preparing for a strong entry into the next market cycle. They highlight the combination of increasing funding, steady holder growth, audited infrastructure, and near-full Phase 6 allocation.
With the token up 250% from its starting price and the launch of V1 approaching, market commentators suggest that Mutuum Finance could enter the next stage with wider visibility. The project’s dual-lending design, stable plans, and readiness for multi-chain support place it among the top crypto candidates that could benefit from the increase in DeFi activity in 2026.
Mutuum Finance is approaching a major milestone as it approaches $20 million raised and completes phase 6 with over 98% allocation. With the V1 testnet confirmed for Q4 2025, contracts audited, and development underway as part of Phase 2, the project has positioned itself as one of the most notable new crypto entries this year. Further updates are expected as the team gets closer to testnet launch and prepares for broader community testing.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
