Mutuum Finance (MUTM)a rapidly emerging decentralized finance (DeFi) project built on Ethereum, has reached another key milestone, surpassing $18 million raised and increasing its investor base to over 17,500 holders. With over 80% of Phase 6 now sold out, the project is quickly approaching its next token price increase of 20%, marking one of the strongest community-backed presales in the DeFi sector this year. This announcement comes as Mutuum Finance continues to gain momentum ahead of the upcoming launch of its V1 protocol on Sepolia Testnet in Q4 2025, a development that firmly positions it among the most promising new cryptocurrencies of 2025.
What is Mutuum Finance (MUTM)?
Mutuum Finance (MUTM) is an upcoming decentralized lending and borrowing platform designed to make crypto-based lending markets more efficient, transparent and user-friendly. It allows users to lend digital assets to earn interest or borrow against their existing holdings, all managed by secure and automated smart contracts.
At its core, Mutuum Finance operates under a liquidity model that directly connects lenders and borrowers through pools powered by smart contracts. By removing middlemen, it improves capital efficiency and makes return generation transparent. This setup allows users to maintain full control of their assets while earning passive income, furthering the project’s goal of creating a safer and more inclusive DeFi ecosystem for users around the world.
Pre-sale progress: phase 6 is nearing completion
The Mutuum Finance pre-sale has progressed rapidly since its launch, with investor participation now exceeding 17,500 holders and total funding exceeding $18 million. According to the official dashboard, more than 80% of Phase 6 is already sold out, leaving limited availability before the next stage begins. Once the phase ends, the token’s price will increase by 20%, adding urgency for those looking to secure an early position before the next jump.
The presale followed a fixed price and fixed allocation structure, meaning that each phase comes with a defined token price and supply. As demand accelerates, each stage has sold out faster than the last – a clear signal of growing investor confidence. From the initial price of $0.01 in Phase 1 to the planned launch price of $0.06, early investors will enjoy an impressive 500% potential gain when the token reaches its public listing value.
This steady progression reflects the project’s strong fundamentals and disciplined deployment strategy – a combination that continues to drive interest in the DeFi space from both individuals and early-stage institutions.
New feature: Buy MUTM with a card
To make investing even more accessible, Mutuum Finance recently introduced a new payment option allowing users to purchase MUTM tokens directly with a debit or credit card. This simplifies the process for newcomers who may not yet hold cryptocurrency.
The team provided step-by-step instructions on their official X (Twitter) account, showing how investors can complete the purchase seamlessly through the Mutuum Finance pre-sale dashboard. The move lowers the barrier to entry and broadens the project’s appeal, allowing more users to participate without the need to navigate exchanges or on-chain exchanges.
Mutuum Finance has also continued to strengthen community engagement through its 24-hour leaderboard feature, which rewards the top 50 pre-sale participants based on their contributions. This system adds a layer of friendly competition, encouraging consistent activity while maintaining real-time transparency.
The ranking is updated daily and has become a focal point for community involvement, boosting visibility on social platforms and further fueling investor enthusiasm. It also complements the work in progress $100,000 gift campaign, which incentivizes long-term holders and pre-sale participants ahead of the mainnet phase of the project.
Launch of the V1 protocol on Sepolia Testnet
The next major development on the Mutuum Finance roadmap is the launch of its V1 protocol on Sepolia Testnet in Q4 2025. This event will mark the transition from theory to live testing, validating the performance, reliability and security of the lending and borrowing system in a true blockchain environment.
Testnet launches are a crucial step for DeFi platforms, allowing developers and users to verify how core mechanisms work under realistic conditions before full deployment on the Ethereum mainnet. For Mutuum Finance, this is a crucial milestone that will showcase the maturity of its codebase, risk controls and interest rate models, laying the foundation for a smooth mainnet rollout in 2026.
According to the project roadmap, the first phase of development is now complete and the team is preparing for the simultaneous launch of the platform and token listing. This synchronized approach could significantly strengthen Mutuum Finance’s market entry by aligning utility with liquidity from day one.
Such a strategy could also increase the project’s chances of securing a listing on major exchanges, which would improve visibility, attract higher trading volumes, and potentially lead to price appreciation post-launch. Combined with the growing presale momentum and active user base, this puts Mutuum Finance in a strong position to emerge as one of the top DeFi tokens to watch in 2025.
Mutuum Finance (MUTM) continues to demonstrate impressive growth and investor confidence, with $18 million raised and over 17,500 holders joining the project so far. With Phase 6 already 80% sold out, investors have a limited window before the next 20% price increase at the start of Phase 7.
Between the upcoming launch of the V1 protocol, simplified card purchase option, and strong community initiatives, Mutuum Finance stands out as a DeFi project gaining real momentum ahead of its mainnet debut. As the presale draws to a close, early participants could position themselves ahead of what could become one of the most successful DeFi token launches of 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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