The DeFi market continues to evolve rapidly and new protocols emerge that aim to advance the industry in terms of utility and adoption. A project that is getting a lot of attention is Mutuum Finance (MUTM)a decentralized lending and borrowing protocol that has already attracted over 17,300 investors and raised $17.6 million during its crypto presale. With 70% of phase 6 allocated and the launch of its version 1 planned for the fourth quarter of 2025, Mutuum Finance is closely watched as one of the most promising next tokens in decentralized finance.
What is Mutuum Finance (MUTM)?
Mutuum Finance is a decentralized lending and borrowing protocol built on Ethereum, designed to create more efficient, secure and scalable on-chain markets. Unlike many crypto DeFi platforms that rely on a single lending model, Mutuum Finance integrates two complementary systems to serve different types of users and assets.
The Peer-to-Contract (P2C) model powers pooled liquidity markets for major assets such as ETH and USDT. Users can deposit their tokens into shared pools, earning passive yield while borrowers access the funds through an algorithmic interest rate model. Borrowing costs adjust based on the amount of liquidity available: when liquidity is abundant, borrowing rates remain low to stimulate demand; when liquidity tightens, rates rise to attract new deposits and balance the system.
Meanwhile, the Peer-to-Peer (P2P) model supports isolated lending markets for less common tokens. This setup gives institutional players and advanced users greater control over their exposure and risk preferences. By combining P2C and P2P models, Mutuum Finance addresses a wide range of users, from individuals looking for yield to large capital allocators looking for personalized lending strategies.
Borrowing activity is supported by Loan-to-Value (LTV) ratios which depend on the asset type. For example, someone depositing $8,000 worth of ETH could borrow up to $6,000 at an LTV of 75%, maintaining overcollateralization to protect the protocol during price fluctuations. At the same time, the supplied ETH continues to generate income through mtTokens, 1:1 receiving tokens that accrue interest over time. This structure allows users to access liquidity without selling their assets, while lenders benefit from increasing APYs as usage increases.
Strong pre-sale momentum
The Mutuum Finance presale was one of the most watched events of 2025. Since its launch earlier this year, the project has gained popularity thanks to a structured, multi-phase model that provides transparency and incentives at every stage.
The MUTM token is currently priced at $0.035 in Phase 6, up from $0.01 in Phase 1, representing a 250% increase for early buyers. So far, the presale has raised $17.6 million, onboarded over 17,300 holders, and allocated 70% of Phase 6. Once this stage is fully subscribed, the price will increase by almost 20%, bringing it closer to the planned listing price of $0.06.
Of the total supply of 4 billion tokens, 1.76 billion tokens are reserved for presale, of which more than 760 million have already been sold in previous phases. This clear and predictable structure created urgency among participants, especially as large investors, including six-figure contributors, entered to secure anticipated positions before the next price step.
Security and launch preparations
Mutuum Finance has also prioritized security and transparency ahead of its protocol launch in Q4 2025. The team recently confirmed via declaration that version 1 will debut on the Sepolia testnet, including liquidity pools, mtToken issuance, debt tokens and liquidation mechanisms, with ETH and USDT supported on day one. This early testnet deployment allows for stress testing and community feedback before mainnet deployment, a strategy used by some of the most successful DeFi protocols.
To build confidence, the project underwent a CertiK audit, obtaining a symbolic score of 90/100. This signals a solid, well-structured code base. Additionally, Mutuum Finance launched a $50,000 bug bounty program, inviting independent security researchers to review its smart contracts and help identify and resolve any potential issues before the platform goes live.
$100,000 Giveaway & 24-Hour Leaderboard
Mutuum Finance has combined its pre-sale strategy with community incentive programs to keep engagement high. A $100,000 gift will reward 10 participants with $10,000 worth of MUTM each, helping to attract new users and reward early backers who help the project grow.
In addition, a 24-hour ranking system, which adds a competitive layer to the pre-sale. Every day, the top depositor receives a $500 MUTM bonus, provided at least one transaction is made during that 24-hour period. The leaderboard resets daily at 00:00 UTC, ensuring continued participation from retail buyers and whales.
Analysts compare MUTM to early Solana
What’s particularly catching analysts’ attention is how Mutuum Finance’s pre-market performance resembles Solana’s (SOL) early stages. In its early days, Solana’s combination of technological innovation and strong early fundraising created the conditions for exponential growth. As Solana matured and its market size increased, these early explosive moves became less frequent, but early participants saw outsized token appreciation.
Likewise, MUTM’s low entry price of $0.035, structured pre-sale model, and clearly utility-focused design have led several analysts to suggest that it could follow a similar trajectory. With over 17,300 investors, $17.6 million raised, and 70% of Phase 6 allocated, the project is approaching a critical inflection point ahead of its V1 launch in Q4 2025.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
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