DUBAI, United Arab Emirates, December 28, 2025 (GLOBE NEWSWIRE) —
Momentum often builds quietly before becoming visible in the broader crypto market. In late-stage development cycles, the focus typically shifts once the infrastructure is nearing completion and distribution tightens. This model is now emerging around a new crypto that has spent months building rather than commercializing. As Mutuum Finance (MUTM) reaches a key stage in the development of V1, the project enters a phase where progress, participation and supply dynamics begin to converge.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a DeFi crypto project focused on decentralized lending and borrowing. The protocol is designed to allow users to provision assets, generate yields and borrow against collateral using transparent and automated rules. Unlike short-term narrative tokens, Mutuum Finance is structured around utility and repeated use.
The protocol uses a dual lending framework. On one hand, users can contribute assets into liquidity pools and earn yield based on borrowing demand. On the other hand, borrowers can access capital by locking in collateral and maintaining clear loan-to-value limits. This structure aims to balance liquidity, risk and incentives in a predictable manner.
Development has progressed steadily and the basic lending logic, accounting systems and risk controls are now finalized. As a result, Mutuum Finance is moving closer to its first phase of live deployment.
Participation in the project grew alongside development. Mutuum Finance has now raised around $19.45 million and the number of holders has increased to around 18,650. These numbers reflect sustained interest over time rather than a brief spike, which is often seen as a stronger signal in the crypto DeFi space.
Token price progression and presale dynamics
The MUTM token has followed a tiered pricing model since the presale began in early 2025. This structure gradually increases the price of the token as each tier fills, rewarding early participation while maintaining a clear path to launch.
The current price of MUTM is $0.035. This represents a 250% increase from the initial Phase 1 price of $0.01. The project has already set an official launch price of $0.06, which puts early participants in a relatively strong position compared to later buyers.
Mutuum Finance is currently at the end of phase 6, with over 99% of this stage allocated. As Phase 7 approaches, the next price step is expected to increase the token’s price by almost 20%. Historically, these phase transitions have been accompanied by faster allocation as supply tightens.
To support continued engagement, the project runs a 24-hour leaderboard that rewards the top daily contributor with $500 in MUTM. This feature adds competitive activity without changing the fundamental economics of the token.
V1 development and Phase 2 roadmap
The most significant recent development is that Mutuum Finance reaches the V1 milestone. According to official updatesthe protocol is preparing for a V1 deployment on the Sepolia testnet in Q4 2025. This initial release will include the core components of the system, such as liquidity pools, mtTokens, debt tracking, and an automated liquidator bot.
ETH and USDT are expected to be the first assets supported for the use of lending, borrowing, and collateral. Limiting the initial set of assets allows the team to monitor performance, liquidity behavior, and risk parameters before expanding.
At the same time, Mutuum Finance is progressing in phase 2 of the roadmap. This phase focuses on final testing, safety validation, and preparing the protocol for wider exposure. In DeFi crypto projects, this stage often marks the transition from concept to execution.
Security and Infrastructure Readiness
Security plays a vital role for any lending protocol, and Mutuum Finance has taken several steps in this area. The project scored 90/100 in a CertiK token scan, which assesses contractual risks and known vulnerabilities.
Furthermore, Halborn Security carries out an independent audit of Mutuum’s loan and borrowing contracts. The code base has been finalized and is currently undergoing formal analysis. The project said it would provide updates as the review progresses.
Mutuum Finance also launched a $50,000 bug bounty program. This encourages external researchers to test the protocol and report issues before wider deployment. To many observers, this layered approach to security demonstrates long-term intent rather than short-term speculation.
Why the current scene is important
In the broader context of major crypto and DeFi markets, projects often experience the strongest shifts in focus when development readiness aligns with supply crunch. Mutuum Finance is now located at this intersection.
The infrastructure is largely complete. Security reviews are active. The price of the token has already adjusted upwards over several phases. At the same time, the pre-sale allocation is close to being exhausted, with less than 1% of the Phase 6 supply remaining.
As Mutuum Finance approaches its V1 testnet and prepares for the next pre-sale phase, the project is no longer operating in early obscurity. Funding levels, holder growth and development stages now give a clearer picture of its trajectory.
Whether considered a top crypto to watch or simply a new crypto progressing on its roadmap, the current phase of MUTM reflects a shift from building foundations to preparing for real-world use.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
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