Mutuum Finance (MUTM) is steadily progressing towards one of its most important milestones to date. The team confirmed that version V1 of its decentralized lending and borrowing protocol is expected to launch on Sepolia Testnet in Q4 2025, signaling the project’s transition from basic development to live network testing. Interest in Mutuum Finance continues to grow as the platform gets closer to demonstrating its functionality. The upcoming launch is expected to showcase the protocol’s foundations, from liquidity pools to automated lending tools, paving the way for wider adoption and marking a defining moment in its roadmap.
Mutuum Finance (MUTM)
Mutuum Finance creates a decentralized lending and borrowing protocol focused on transparency, efficiency and sustainability. The platform is designed to allow users to lend digital assets to earn passive income or borrow funds using collateral, all through automated smart contracts that eliminate middlemen. Its architecture features a dual lending structure, combining user-tailored liquidity pools and borrowing markets.
In the Peer-to-Contract (P2C) model, users deposit assets into shared liquidity pools. In return, they receive mtTokens, which act as yield-generating tokens. For example, when a user deposits USDC, they receive mtUSDC, a token that increases in value as borrowers use the liquidity. This guarantees passive and predictable income to depositors.
Mutuum Finance’s Peer-to-Peer (P2P) structure complements this by directly connecting individual lenders and borrowers. Interest rates in both systems are determined by usage: when liquidity is abundant, rates remain low to encourage borrowing; when capital becomes tight, rates rise to attract new deposits and repayments.
Phase 6 pre-sale continues to gain momentum
The Mutuum Finance pre-sale has shown steady and consistent progress since its launch earlier this year. The project follows a fixed price and allocation model, meaning each phase must be sold before the next begins at a slightly higher price. This approach keeps the process simple, transparent and predictable for all participants. It also creates a sense of natural scarcity, encouraging early buyers to secure their positions before prices rise.
The token was first launched at $0.01 in Phase 1 and is now priced at $0.035 in Phase 6, a 250% increase from the starting point. This gradual and structured increase in prices shows how demand has continued to grow at each stage. It also reflects investors’ confidence in the long-term direction of the project as it approaches its launch.
A total of 790 million MUTM tokens have already been sold, demonstrating strong community participation in all phases. Of the entire supply of 4 billion tokens, approximately 45.5% (or 1.82 billion tokens) are allocated for presale. This distribution ensures that a large portion of the tokens goes directly to the community rather than being concentrated in a small number of wallets.
The Mutuum Finance team highlighted that this structure helps maintain fairness and accessibility while supporting long-term growth. Each phase represents a step toward broader adoption, and as new stages approach, demand around presale continues to grow rapidly.
Core Components and Roadmap
THE upcoming launch of V1 Sepolia Testnet represents a major milestone for the team. It will introduce the platform’s core modules, Liquidity Pool, mtToken, Debt Token and Liquidator Bot, allowing users to interact with the system in a testing environment before mainnet deployment. Initially, the protocol will support ETH and USDT for lending, borrowing, and collateral functions, with additional tokens planned for later releases.
This step is part of a clear roadmap that has guided Mutuum Finance since its creation. Phase 1 (Introducing Mutuum) laid the foundation by launching the pre-sale, organizing marketing campaigns and giveaways, completing the CertiK audit, and listing the project on major tracking platforms. These first steps helped raise community awareness and establish a foundation of trust and transparency.
The project is now in phase 2 (Building Mutuum), which focuses on the technical aspect of the development. This includes coding smart contracts, developing the DApp front-end and back-end, implementing advanced features, configuring risk parameters, and integrating analytics tools. The team also conducts regular internal and external audits to ensure code quality and reliability as the protocol moves closer to public testing.
Stablecoin and Layer-2 expansion plans
Beyond the testnet stage, Mutuum Finance presented additional ecosystem plans. One of these is the development of a USD-pegged stablecoin, designed to support lending operations and enhance liquidity stability within the protocol.
The stablecoin will be overcollateralized, backed by assets provided through Mutuum’s own lending markets. Interest generated by borrowers will be reinvested into treasury, funding liquidity reserves and MUTM token redemptions.
At the same time, the team plans to explore layer 2 deployment to reduce gas fees and improve transaction efficiency. This upgrade would improve scalability for users with frequent lending and borrowing while maintaining compatibility with major blockchain networks.
Transparency also plays an important role in the project’s community strategy. The 24-hour leaderboard feature, which rewards the top daily contributor with $500 worth of MUTM, encouraged continued participation while presenting public transaction data. This keeps pre-sale engagement high and helps maintain credibility within the growing holder base.
Community growth and market position
The steady execution of Mutuum Finance has attracted the attention of retail investors and large investors. With already over 17,750 owners and an active community across all platforms, the project continues to expand its global footprint.
The combination of a transparent pre-sale structure, a successful audit, and concrete development steps has helped make Mutuum Finance one of the most promising DeFi crypto projects under $0.05. As Phase 6 draws to a close, the community is increasingly looking forward to the launch of V1 and subsequent updates. As long as current momentum continues, the project’s transition from pre-sale to testnet could mark one of the most significant developments in crypto before the end of the year.
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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