Mutuum Finance (MUTM) continues to advance steadily throughout its development roadmap, hitting Phase 2 milestones as the project moves closer to the V1 protocol launch scheduled for Q4 2025. The presale has already attracted over 17,600 participants and raised over $18 million, highlighting the growing attention to one of the most promising new DeFi crypto projects on the market today.
What Mutuum Finance builds
Mutuum Finance (MUTM) is developing a decentralized, non-custodial lending protocol that allows users to lend, borrow, and earn passive income directly through smart contracts. Its main goal is to make DeFi lending simpler, safer and more transparent – accessible not only to experienced traders but also to newcomers who want to grow their crypto holdings securely.
The platform uses a dual-model structure consisting of Peer-to-Contract (P2C) and Peer-to-Peer (P2P) systems. The P2C side powers core liquidity pools, where users deposit assets such as ETH or USDT to automatically earn a return. In return, depositors receive mtTokens, which act as interest-bearing receipts.
The P2P market, meanwhile, gives users more control by enabling direct peer-to-peer lending arrangements for less common assets. This flexibility allows lenders and borrowers to negotiate rates and terms that best suit their needs, providing more freedom than traditional DeFi platforms.
Borrowers can access funds by locking in collateral, with lending rates and limits (LTV ratios) set based on the volatility of the asset. For example, stablecoins may allow higher LTV ratios, around 75%, while more volatile tokens like ETH may have a cap of 60% to reduce risk.
If the collateral falls below its safety margin, the system triggers automatic liquidations to maintain solvency and protect the pool. This mechanism ensures that lender funds remain safe while maintaining the stability of the overall protocol.
Pre-sales momentum is accelerating
Mutuum Finance (MUTM) has maintained strong momentum throughout 2025, distinguishing itself as one of the most actively sold new crypto presales in the DeFi space. The project is currently in phase 6, where tokens cost $0.035 each. More than 80% of this stage is already sold, signaling renewed investor interest as the pre-sale nears completion.
The next phase will increase the price of the token by almost 20% to $0.04, followed by a confirmed launch price of $0.06. Such structured, tiered pricing gives early participants a clear view of their growth potential and helps maintain stable demand at each stage.
Of the 4 billion total supply, 45.5% (1.82 billion tokens) were allocated to the presale. So far, over 785 million tokens have been sold, and momentum is picking up as each phase sells faster than the last. This constant pace shows how confidence in the project is growing, both from individual investors and larger players who are starting to realize the fundamentals of Mutuum.
Security and transparency
Mutuum Finance has also prioritized security and transparency, achieving a Token Scan score of 90/100 from CertiK, one of the most respected blockchain auditing firms. This rating demonstrates a solid technical foundation and adds credibility to the project’s smart contracts before its launch.
The team further built trust by introducing a $50,000 bug bounty program to encourage responsible security testing before mainnet goes live.
To keep the community engaged, Mutuum Finance runs a 24-hour leaderboard system, rewarding the top daily contributor with $500 worth of MUTM tokens. This incentive not only motivates users but also adds an element of transparency and fairness to the pre-sale.
Additionally, the project now allows direct card purchases with no purchase limits, making it easier for newcomers to join without complex wallet setup or exchange transfers – a move that has helped broaden participation.
Upcoming launch of the V1 protocol
Mutual Finance Protocol V1 is expected to launch on Sepolia Testnet in Q4 2025, marking the project’s most significant milestone to date. This release will feature the main functional components that define the ecosystem: the liquidity pool, mtTokens, debt tokens, and an automated liquidator bot.
The liquidity pool will serve as the backbone of the lending system, allowing users to deposit or borrow assets like ETH and USDT, both chosen for their high liquidity and reliability. mtTokens will represent deposits and generate returns, while Debt Tokens will track the borrower’s debts. The Liquidator Bot will automatically stabilize the platform by managing risky positions, ensuring smooth operation and capital protection.
The launch will mark the transition from concept to a working product – a critical point that analysts say could boost investor confidence and increase attention to MUTM ahead of its official listing.
Interest from whales and acceleration of pre-sales
As Phase 6 nears completion, Mutuum Finance has begun to attract larger investors, including several six-figure whale entries. Such participation often demonstrates institutional-level confidence in the long-term potential of a project.
Whale entries usually accelerate sales, and many expect Phase 6 to close soon at the current price of $0.035 before moving to the higher stage of $0.04. This consistent growth has positioned Mutuum Finance as one of the best performing new crypto presales of 2025.
With its Phase 1 roadmap completed, Phase 2 underway, and the V1 protocol launch approaching, Mutuum Finance (MUTM) has shown consistent progress and results at each stage of its development. Backed by a strong audit score, structured tokenomics, and an active community, the project continues to attract both retail investors and whales looking for early exposure to a utility-based DeFi crypto.
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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