Ethereum remains at the heart of decentralized finance (DeFi), powering hundreds of applications and setting the standard for blockchain innovation. Now a new crypto built on its foundations, Mutuum Finance (MUTM)is quickly becoming one of the most important cryptocurrencies to watch in 2025.
The project has officially confirmed the launch of its V1 protocol, marking a major milestone in its development roadmap. With over 17,400 investors already participating and over $17.8 million raised, Mutuum Finance continues to attract increasing attention as it evolves into a functioning DeFi ecosystem later this year.
Mutuum Finance (MUTM)
Mutuum Finance is developing a decentralized lending and borrowing protocol on Ethereum that combines two complementary systems, Peer-to-Contract (P2C) lending and Peer-to-Peer (P2P) lending. This dual-structure approach is designed to make DeFi lending more efficient, flexible, and transparent for retail and institutional participants.
In the P2C model, users deposit assets such as ETH or USDT into shared liquidity pools. These pools automatically allocate funds to borrowers via smart contracts, ensuring continued liquidity and fair interest distribution. Depositors receive mtTokens, which generate a return as borrowers repay their loans.
Meanwhile, the P2P model enables personalized lending between individual users, allowing them to set specific loan terms, interest rates and terms. This option is particularly useful for small or niche crypto assets that may not fit into major liquidity pools.
Together, these two systems give Mutuum Finance the ability to serve a broader market, offering streamlined and automated lending through P2C pools and greater flexibility through direct P2P agreements, while maintaining on-chain transparency and decentralized risk management.
Mutuum Finance’s loan markets are overcollateralized, meaning all loans are backed by higher value assets. This structure minimizes risks while guaranteeing lenders stable returns.
The pre-sale of the project reflects the same structured approach. Out of a total supply of 4 billion MUTM tokens, 45.5% (approximately 1.82 billion) are allocated for pre-sale distribution. More than 770 million tokens have already been sold, making it one of the most active cheap cryptocurrencies of 2025 under $1.
The current Phase 6 price stands at $0.035, which is already 2.5 times higher than the Phase 1 price of $0.01. Once this phase is exhausted, the price will approach the confirmed launch price of $0.06.
V1 launch, security audit and 24-hour board of directors
Mutual Finance announced that its V1 protocol will be launched on Sepolia Testnet in Q4 2025. This first version will present all the essential components of the protocol, including the Liquidity Pool, the mtToken, the Debt Token and the Liquidator Bot. Together, they form the basis of Mutuum’s decentralized lending stack, allowing users to lend, borrow, and collateralize assets like ETH and USDT.
The team has made safety one of its top priorities. The project underwent a full audit by CertiK, achieving an impressive 90/100 Token Scan score, confirming that the smart contracts meet high standards of security and reliability.
Mutuum also launched a $50,000 bug bounty program, encouraging external developers to test and report potential code vulnerabilities before mainnet deployment. This combination of third-party audits and open testing reinforces the project’s focus on long-term sustainability and transparency.
In addition to technical progress, the team runs a 24-hour leaderboard, which publicly tracks presale contributions and rewards the top daily participant with $500 worth of MUTM tokens. This feature not only keeps the community active, but also demonstrates Mutuum Finance’s commitment to openness, investors can see live progress and participation at any time.
Roadmap Progress
Mutuum Finance approached its development roadmap in structured and measurable phases. Phase 1 is already complete. During this stage, the project introduced Mutuum to the public, launched pre-sale, and deployed marketing campaigns to raise community awareness.
The team also completed its external audit, developed an AI-enabled help desk, and formed a legal and compliance team to ensure regulatory alignment. Educational materials have been released to help users understand Mutuum’s lending model and token utility, completing the foundation for growth.
The project is now halfway through Phase 2, which focuses on building the technical infrastructure that will support the V1 release. This includes basic smart contract development, front-end DApp construction, and back-end configuration to manage real-time lending and borrowing operations.
Stablecoin and Oracle integration strengthens next phase
As Mutuum Finance moves closer to the launch of its V1, the team is already preparing for the next major step in its roadmap: the introduction of a USD-pegged stablecoin. This asset will be backed by verified on-chain collateral and will play a central role in maintaining the liquidity and stability of the platform’s lending markets.
By tying borrowing and repayment activities to a fixed value, the stablecoin will help reduce the impact of price fluctuations and make loan returns more predictable. This will allow users to plan their returns with more confidence, a major advantage over traditional variable rate DeFi systems.
To ensure accuracy and transparency, Mutuum Finance will use trusted Oracle systems such as Chainlink. These oracles will provide real-time price data for supported assets, helping to maintain fair collateral values, balanced borrowing limits, and accurate liquidation triggers. Even during times of high network activity, backup data sources are supposed to keep the system running smoothly.
Stablecoins have become one of the most important tools in decentralized finance, providing a bridge between the volatility of cryptocurrencies and their predictable value. For Mutuum Finance, launching a collateral-backed stablecoin isn’t just an upgrade: it’s a major step toward building a self-sustaining lending ecosystem that can grow securely and consistently.
At the same time, the pre-sale of the project is approaching a key milestone. With over 73% of Phase 6 already sold, demand continues to grow among both regular participants and large investors. This growing momentum reflects confidence in the project’s roadmap, as Mutuum Finance continues to meet its milestones while positioning itself as one of the most promising DeFi cryptos of 2025.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
Disclaimer: The information provided in this press release does not constitute an investment solicitation nor is it intended to constitute investment advice, financial advice or trading advice. Investing involves risks, including the potential loss of capital. It is strongly recommended that you perform due diligence, including consulting a professional financial advisor, before investing in or trading cryptocurrencies and securities. Neither the media platform nor the publisher shall be liable for any fraudulent activity, misrepresentation or financial loss arising from the contents of this press release.
