As decentralized finance (DeFi) continues to evolve, investors are once again looking toward projects that combine utility with sustainable tokenomics. Mutuum Finance (MUTM) is one such new crypto project, a decentralized lending and borrowing protocol that has rapidly gained traction during its ongoing presale. With its Version 1 (V1) platform scheduled for a Sepolia testnet rollout in Q4 2025, the team has already raised more than $17.6 million from a growing base of over 17,300 participants, signaling strong confidence ahead of its first public product release.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is an Ethereum-based protocol designed to simplify and secure on-chain lending. It introduces a dual-market structure that balances liquidity efficiency and flexibility:
In the Peer-to-Contract (P2C) market, users deposit assets like ETH or USDT into pooled liquidity vaults that automatically generate yield as borrowers draw funds. This model rewards depositors with passive returns while keeping capital circulating efficiently.
Meanwhile, the Peer-to-Peer (P2P) marketplace supports direct, customized loan agreements, ideal for tokens that lack deep liquidity in shared pools. Both systems are powered by mtTokens, interest-bearing tokens representing each depositor’s share of the pool. These can later be redeemed for the original asset plus accrued interest.
Beyond its lending mechanics, Mutuum Finance incorporates a buy-and-distribute model, where a share of platform revenue is used to buy MUTM tokens from the open market and redistribute them to users staking mtTokens in the safety module. This mechanism introduces ongoing demand for MUTM while rewarding long-term participants.
Presale Performance
The MUTM presale follows a stage-based structure that rewards early involvement and provides transparent price progression. Each phase offers a fixed allocation at a predetermined price; once sold out, the next opens at a higher rate. This design keeps demand consistent and visible, while offering investors a clear view of how token value scales over time.
Phase 6 is currently 70% allocated, with MUTM priced at $0.035 ahead of its $0.06 launch price. To date, the presale has seen more than 770 million tokens sold, generating over $17.6 million in funding. Participation has expanded globally, with over 17,300 investors now part of the growing Mutuum community.
This traction reflects sustained interest rather than short-term speculation. As previous DeFi cycles have shown, structured presales with fixed pricing often perform better post-launch because early-stage investors are aligned with long-term utility rather than rapid flipping.
24-Hour Leaderboard and Giveaways
To keep momentum high during the presale, Mutuum Finance (MUTM) introduced a daily 24-hour leaderboard that spotlights top contributors. Each day’s leading buyer receives $500 worth of MUTM, and the board resets at 00:00 UTC, encouraging continuous participation.
Alongside the leaderboard, a $100,000 giveaway rewards ten community members with $10,000 each in MUTM. Together, these programs promote transparency and engagement while giving contributors tangible benefits.
Observers note that this gamified structure has also drawn in larger investors — several whale-sized allocations reportedly entered in recent days, including single contributions exceeding $100,000. Such inflows often indicate growing institutional or semi-professional confidence, particularly as Phase 6 nears completion and the token price prepares to climb to $0.04 in Phase 7.
V1 Launch and Platform Roadmap
In its official X statement, Mutuum Finance confirmed that the protocol’s V1 lending and borrowing platform is now in active development and will debut on the Sepolia testnet in Q4 2025. The launch will introduce critical components including a Liquidity Pool, mtToken, Debt Token, and Liquidator Bot.
At first, ETH and USDT will be supported for lending, borrowing, and collateral functions, with more assets planned for later releases. The testnet rollout marks the beginning of Mutuum Finance’s operational phase, bridging the gap between fundraising and DeFi usage.
Security and Transparency Measures
Mutuum Finance (MUTM) places a strong emphasis on safety, ensuring that users can trust the protocol’s core infrastructure. The project underwent a CertiK audit and achieved an impressive 90/100 Token Scan score, confirming that its smart-contract code meets recognized security standards.
To complement the audit, Mutuum Finance operates a $50,000 bug-bounty program inviting independent developers and ethical hackers to stress-test the code. Rewards range from $200 for low-severity issues to $2,000 for critical findings, ensuring multiple layers of pre-launch scrutiny. This proactive security strategy adds another level of assurance for investors entering during the presale phase.
A Strong Foundation for 2026 and Beyond
With over $17.6 million raised, a clear product roadmap, and a buy-and-distribute token model that continuously creates market demand, Mutuum Finance (MUTM) stands out as a project combining transparency with measurable growth.
As the countdown to the Q4 2025 testnet continues, all indicators suggest the presale’s next stage could close rapidly, marking another milestone in the rise of a DeFi crypto token designed for utility.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.
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