The decentralized financial sector continues to evolve rapidly and Mutuum Finance (MUTM) has positioned itself among the most active and well-structured projects in 2025. The team has officially confirmed that version V1 of its lending and borrowing protocol will launch in Q4 2025, marking a key milestone in its development timeline.
This announcement comes as the project’s pre-sale nears another major achievement: Phase 6 is now almost sold out, with over 18,000 holders already on board and over $18.45 million raised. The speed of growth in participation and allocation reflects the growing confidence of early supporters, as Mutuum Finance prepares to deliver its first functional release on Sepolia Testnet.
Rapid Presale Expansion and Key Metrics
Since its launch in early 2025, Mutuum Finance has seen one of the most consistent pre-sale progressions in the DeFi space. The project started at a token price of $0.01 in Phase 1, and demand has pushed the current price of Phase 6 to $0.035, a 250% increase from its starting point.
Out of a total of 4 billion MUTM tokens, 45.5% (1.82 billion) are allocated for pre-sale. This allocation is fixed, and once the tokens in each phase are sold, the price automatically increases in the next stage. With phase 6 now over 83% allocated, the transition to phase 7 is expected soon, where the token price will reach $0.04.
The project’s growth is supported by solid indicators. It has already attracted over 18,000 holders, sold around 790 million tokens and raised over $18.45 million. The increased participation rate demonstrates strong market interest and indicates that early adopters are positioning themselves in anticipation of the next version of the testnet.
A closer look at what Mutuum Finance is building
Mutuum Finance operates through two complementary lending models, Peer-to-Contract (P2C) and Peer-to-Peer (P2P), forming the basis of its decentralized credit system. Together, these mechanisms provide both flexibility and balance, ensuring smooth liquidity flow, efficient use of capital, and risk diversification across the protocol.
In the Peer-to-Contract (P2C) model, users deposit assets like ETH or USDT into shared liquidity pools and receive mtTokens in return. These mtTokens automatically generate yield as borrowers draw from the pool, allowing lenders to earn passive income directly through smart contracts.
The variable interest rate of the system is determined by the utilization rate, the ratio of borrowed cash to total liquidity. When utilization is low, borrowing costs remain low to encourage activity. When utilization increases, interest rates rise to attract new deposits and incentivize borrowers to repay, thus maintaining market equilibrium. This dynamic structure ensures that capital is always deployed efficiently without the need for intermediaries.
Peer-to-Peer (P2P) system provides a more personalized lending experience by directly connecting individual lenders and borrowers through smart contracts. Borrowers can set their own loan terms, including collateral assets, loan term, interest type and loan-to-value (LTV), while lenders select deals that match their preferred risk and return profile.
P2P loans can use variable or stable rates, with stable rates offering predictable repayment costs, calculated as a weighted average of current variable rates plus a premium for rate stability. To maintain fairness, the protocol can rebalance stable rates if the market moves significantly, thereby avoiding excessive gaps between stable and variable lending terms.
While the P2C model is suitable for assets with high liquidity and supports rapid, automated borrowing, the P2P model is ideal for smaller or less liquid tokens, where isolated markets help reduce systemic risk. Together, these models give Mutuum Finance the ability to serve both large-scale liquidity providers and individual users looking for flexible credit solutions.
A major step
THE Protocol V1confirmed for launch on Sepolia Testnet in the fourth quarter of 2025, constitutes the next major step in Mutuum Finance’s roadmap. This release will introduce the essential components of the ecosystem, including the Liquidity Pool, mtToken, Debt Token and Liquidator Bot. These features will form the basis of Mutuum’s lending operations and risk management system.
At launch, the platform will support ETH and USDT as initial assets for lending, borrowing, and collateral. These assets were chosen for their liquidity and established market presence, ensuring a stable and reliable testing environment before being expanded to additional tokens in subsequent releases.
The deployment of V1 is more than just a technical release: it marks the transition from concept to functional product. Community members and early presale participants will soon be able to interact with the protocol, test its features, and provide feedback before the mainnet version rolls out.
The move demonstrates real progress in development, setting Mutuum Finance apart from DeFi crypto projects that remain in the pre-sale phase for extended periods without delivering tangible results.
Building momentum before mainnet
The combination of strong presale demand, clear roadmap milestones, and transparent development updates has made Mutuum Finance one of the most followed new crypto projects in 2025. While Phase 6 is almost complete, anticipation for the next phase and the launch of the V1 protocol continues to build.
Mutuum Finance’s focus on functional delivery and community involvement has created steady momentum, rather than short-lived hype. Its approach, combining real progress in development and structured fundraising, signals maturity and long-term commitment in a market often dominated by speculation.
The upcoming testnet will serve as a foundation for Mutuum’s future growth, paving the way for mainnet deployment and lending markets expansion in 2026. Currently, the project stands as one of the top potential cryptocurrencies to watch at its stage, combining solid funding, a detailed roadmap, and visible progress toward launch.
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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