In crypto, real progress often happens quietly before a token hits major exchanges. Mutuum Finance (MUTM) is at that stage now. In early October, the team revealed plans to launch the first version of its lending and borrowing protocol on the Sepolia testnet in Q4 2025, a key milestone that moves the project from planning to actual product testing and marks one of the most important milestones on its roadmap.
What is Mutuum Finance
Mutuum Finance is an Ethereum-based platform that allows users to lend and borrow crypto assets through a liquidity pool. It is designed for people who want to earn passive income without actively managing their funds, as well as those looking to borrow assets while retaining their existing holdings.
The platform offers two loan options. The main one, Peer-to-Contract (P2C), allows users to lend or borrow assets like ETH or USDT and earn passive income via APY, which varies based on pool usage.
For example, if an investor provides $10,000 in USDT to the pool, they receive 10,000 mtUSDT in return. (These mtTokens are 1:1 proof of deposit and automatically earn interest over time.) If the average APY is around 10%, the investor could earn around $1,000 per year just by holding mtUSDT. Since mtTokens follow the ERC-20 standard, they can be transferred to any compatible address and will continue to accrue interest regardless of where they are held.
An additional benefit for lenders is the ability to stake their mtTokens. In doing so, they can earn MUTM token dividends, which come from a portion of the platform fees used to purchase MUTM on the open market. This structure helps support token demand while rewarding active participants.
The second option is Peer-to-Peer (P2P) lending, which follows a similar concept but offers more flexibility. In this model, users can set their own lending and borrowing terms, allowing for personalized agreements between participants. This also opens the door to assets that are not available in P2C pools, such as memecoins like DOGE or SHIB, giving users a wider range of opportunities to operate their crypto.
What to expect in the fourth quarter of 2025
In October, the Mutuum Finance team confirmed on his social networks that V1 of the lending and borrowing protocol will go live on the Sepolia testnet in Q4 2025. This step will allow the community to see how the system works in practice while the team validates its architecture and prepares for mainnet deployment. The first rollout will focus on ETH and USDT as initial assets for lending, borrowing, and collateral, with more tokens added later.
The testnet version will include key components such as liquidity pools, mtTokens, debt tracking and a liquidator bot, giving users a clear view of how core functions work in real-world conditions. It will also test mechanisms such as adjusting interest rates and distributing fees to stakeholders. By opening these features to live testing, Mutuum Finance aims to build trust and refine its system before full launch.
Given that Mutuum Finance is still in the pre-sales phase, the upcoming testnet launch represents a significant step forward, strengthening investor confidence and adding more credibility to the project. The total amount raised has already exceeded $17 millionwith more than 16,800 MUTM token holders on board. On the official Mutuum Finance website, investors can access a dashboard to visualize their current holdings and calculate the potential return on investment. There is also a Top 50 leaderboard showcasing the largest holders, each ranked participant receives MUTM token bonuses based on their position, adding an extra layer of engagement to the presale.
The MUTM token is currently priced at $0.035 in phase 6 of the presale, which is already 60% sold out. Once Phase 7 begins, the price will increase to $0.04, a 20% increase from the current level. In the first presale phase, the price of MUTM was $0.01, an increase of 250% to date. The launch price is set at $0.06, which represents a 600% increase from the initial phase and an almost 2x increase from the current price.
Mutuum Finance also carried out a smart contract audit by CertiK. The project received a Token Scan score of 90 and a Skynet audit score of 79, which adds an additional layer of trust to its technical foundation.
What to expect next
With development already underway and the testnet launch approaching, the next steps in Mutuum Finance’s roadmap are not far away. Upcoming priorities include upgrading and optimizing the protocol to prepare for broader adoption. The team also plans to integrate layer 2 solutions to make transactions faster and more profitable, introduce an over-collateralized stablecoin to add another layer of utility, and expand the platform across multiple chains to reach a broader user base.
Still in the pre-sale phase and priced at $0.035, Mutuum Finance continues to see growing participation as its supporters support the development of its upcoming DeFi protocol. With 60% of Phase 6 already sold, the next milestone is just days away, expected to result in a 20% price increase and mark another milestone in the structured pre-sale progression of the project.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a DeFi crypto project focused on creating a flexible environment for on-chain lending and borrowing. Built around a dual model of Peer-to-Contract liquidity pools and Peer-to-Peer agreements, it allows users to earn yield or access liquidity while maintaining control of their assets. The platform integrates mtTokens for passive income generation, rewards in MUTM, and a purchase and distribution mechanism that supports token demand. As part of its roadmap, Mutuum Finance is moving forward towards the launch of its lending protocol, positioning itself in the evolving world of crypto investing and decentralized finance.
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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