Mutuum Finance (MUTM) has reached another major milestone in its development journey, successfully completing phase 1 of its roadmap. As the V1 Protocol launch approaches on Sepolia Testnet in Q4 2025, the project continues to gain traction among DeFi and crypto investors looking for structured, utility-focused opportunities in the market.
What Mutuum Finance (MUTM) is building
Mutuum Finance is developing a decentralized, non-custodial liquidity protocol that allows users to lend and borrow digital assets securely via smart contracts. The goal is to create a more efficient, transparent and secure system for participants in decentralized finance (DeFi).
Users who contribute assets to the protocol receive mtTokens, which automatically generate a yield based on borrowing activity within the pool. For example, depositing 10 USDC generates 10 million USDC which steadily increases in value as borrowers pay interest. Borrowers, in turn, can access loans at flexible rates determined by market usage and collateral type.
If the value of the collateral falls below a certain threshold, automated liquidation ensures that the protocol remains solvent, a key guarantee that helps maintain balance between lenders and borrowers.
Rapid growth in pre-sales and investor momentum
Momentum around the Mutuum Finance presale has remained strong, with the project having raised over $18 million to date and attracting a growing community of over 17,600 holders. The ongoing Phase 6 of the presale is now over 80% complete, demonstrating strong market confidence as the team prepares for the next phase of its rollout.
Each MUTM token is currently priced at $0.035, with the next step up to $0.04 and the confirmed launch price set at $0.06. Of the total supply of 4 billion tokens, 1.82 billion tokens are allocated for presale, ensuring clarity and predictability of token distribution.
More than 785 million tokens have already been sold, showing how demand has accelerated with each phase. Each round sold out faster than the last, reflecting both increased investor awareness and strong confidence in the project’s long-term vision.
The next major step
THE upcoming launch of V1 on Sepolia Testnet marks a major step forward for Mutuum Finance. The release will include the main components of the protocol: a liquidity pool, mtTokens, debt tokens and an automated liquidator bot.
The liquidity pool will serve as the basis for all lending and borrowing activities, supporting ETH and USDT in the initial release. These assets were chosen for their high liquidity and reliability, ensuring stable performance during testing. mtTokens will represent deposits and generate returns, while debt tokens will represent the debts of the borrower. The Liquidator Bot will automatically monitor under-collateralized positions, ensuring the health and fairness of the protocol for all participants.
Security, transparency and investor confidence
Security remains at the heart of Mutuum Finance’s concerns. The project completed a CertiK audit with a Token Scan score of 90/100, reinforcing its commitment to code reliability and security. Additionally, it introduced a $50,000 bug bounty program to encourage responsible testing and build trust ahead of the mainnet release.
Community engagement also plays a central role. The 24-hour leaderboard system rewards the top daily contributor with $500 worth of MUTM tokens, encouraging participation while maintaining full transparency in the progress of the presale.
To facilitate entry, direct card purchases are now supported with no purchase limit, opening the door to a wider range of investors wanting to participate before the next price increase.
Upcoming Stablecoin and Layer-2 expansion
Beyond the lending protocol, Mutuum Finance plans to launch an on-demand stablecoin pegged to USD, backed by outsized loans within the platform. This stablecoin will be minted and burned dynamically, helping to stabilize liquidity and maintain long-term sustainability.
The team also aims to deploy on Layer 2 networks to reduce gas costs and improve transaction speeds. Combined with Oracle integrations, such as Chainlink for accurate price data, these upgrades will improve performance and ensure safer liquidations in volatile markets.
Interest in whales and phase 6 nearing completion
With phase 6 now 80% complete, Mutuum Finance continues to attract larger investors. Several whale allocations have been reported, some exceeding six figures. These flows highlight growing institutional interest and add credibility to the long-term prospects of the project.
Analysts note that this level of engagement often appears before major milestones, suggesting that the presale could close sooner than expected as the $0.04 price cycle approaches.
Mutuum Finance’s progress to date demonstrates clear execution and strong investor momentum. With over $18 million raised, a CertiK score of 90/100, and a V1 launch confirmed for Q4 2025, the project continues to establish itself as one of the best DeFi cryptos to watch ahead of 2026.
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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