The crypto industry is entering a new phase where utility-focused protocols are starting to gain traction. One of the clearest examples of this change is Mutuum Finance (MUTM)an Ethereum-based DeFi protocol that is attracting increasing attention thanks to its structured crypto presale, rapid community growth, and ambitious roadmap. As the project approaches $20 million raised and prepares for its V1 launch in Q4 2025, analysts are increasingly considering it one of the most important new tokens to watch before the next market wave arrives.
Structured pre-sales are gaining momentum
Mutuum Finance has seen strong initial momentum through its multi-stage pre-sale model, which provides investors with both transparency and clear pricing incentives at each stage. Rather than using an auction or variable pricing system, each phase of the presale is fixed, with a set number of tokens available before the price automatically increases. This structure created a sense of urgency among participants, especially as they approached the later stages.
Currently, the price of MUTM is $0.035 in Phase 6, up from $0.01 in Phase 1, an increase of almost 3 times the token appreciation for early buyers who obtained allocations during the initial launch of the project. The presale, which began in early 2025, has already raised $17.4 million, attracted more than 17,200 holders and awarded 66% of Phase 6, signaling significant demand.
Once this stage is fully subscribed, the price will rise by almost 20%, getting closer to the planned listing price of $0.06. This means that investors entering at the current level still have a significant price advantage, while previous participants are positioned for even greater upside at launch.
Daily leaderboard and community incentives
Mutuum Finance has also implemented several community engagement programs to maintain active participation throughout the pre-sale. A $100,000 gift will select ten winners who will each receive $10,000 from MUTM, rewarding early supporters and increasing visibility.
Additionally, a 24-hour filing system adds a competitive element to the fundraising process. The top depositor earns a $500 MUTM bonus every day, provided they make at least one trade within that window. The leaderboard resets daily at 00:00 UTC, encouraging participants to stay active.
A Closer Look at the Protocol
What sets Mutuum Finance apart from many new coins is that it does not rely on vague promises, the protocol has a clear design and scheduled deployment. Mutuum Finance is a decentralized lending and borrowing protocol that blends two distinct markets:
Peer-to-contract (P2C) pooled lending, designed for blue-chip assets like ETH and USDC. This system works similar to Aave or Compound, where users contribute assets to shared liquidity pools and borrowers draw from them.
Peer-to-Peer (P2P) isolated lending, which focuses on less common or higher risk tokens. This allows borrowers and lenders to set custom terms in isolated environments, limiting risk while expanding the range of assets supported.
Borrowing costs on the platform are automatically adjusted based on the amount of pool liquidity used. When liquidity is abundant, borrowing remains affordable to stimulate activity. When liquidity tightens, borrowing rates rise to encourage repayments and attract new deposits.
On the lending side, APYs increase as usage increases, rewarding early liquidity providers. For example, if someone provides $8,000 worth of ETH, they can borrow up to $6,000 using a loan-to-value (LTV) ratio of 75%. This over-collateralized model ensures that the loan remains protected even if asset prices fluctuate widely, allowing users to access liquidity without selling their holdings.
mtTokens, purchase and distribution model and Oracles
A key feature of Mutuum Finance is its mtToken system, which issues receipt tokens 1:1 when users contribute assets. These mtTokens increase yield over time, turning deposits into passive income positions.
To strengthen the value of the token, the platform uses a purchase and distribution mechanism. A portion of the borrowing fees collected by the protocol is used to purchase MUTM on the open market, and the purchased tokens are redistributed to mtToken stakers. This creates a self-reinforcing demand cycle directly linked to platform activity.
For accurate and reliable collateral pricing, Mutuum Finance plans to rely primarily on Chainlink oracles, supported by backup and aggregated data feeds. This ensures price accuracy during the lending and liquidation processes, which is essential for maintaining platform stability at scale.
Declaration X and V1 launch timeline
Mutual Finance recently confirmed via statement that version 1 of its protocol will launch on the Sepolia testnet in Q4 2025. This initial deployment will include core components such as liquidity pools, mtToken issuance, debt tokens and a liquidation system, with ETH and USDT supported from day one.
This public testnet launch is a major milestone, signaling that the project is not just raising funds but actively progressing towards a working platform, a factor highlighted by analysts as crucial when evaluating early-stage crypto projects.
Why analysts are watching closely
Several analysts believe MUTM could follow a similar trajectory to early Aave or Compound, both of which moved from low-cost DeFi crypto to major ecosystem players during the bull market expansion.
They point to MUTM’s low entry price, structured presale, and utility-focused token model as factors that could support significant price appreciation once the platform goes live and adoption accelerates. If MUTM captured even a fraction of the market growth that Aave achieved early on, the benefits to early participants could be substantial.
With nearly $20 million raised, a V1 launch planned for Q4 2025, and a protocol that combines proven DeFi mechanisms with innovative distribution models, Mutuum Finance (MUTM) has positioned itself as one of the most notable new crypto projects heading into 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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