The crypto market is expanding, investors are looking beyond hype-driven coins. They now prefer tokens with working mechanics, real activity, and measurable utility. Mutuum Finance (MUTM) is preparing to deliver exactly that. With a V1 of the upcoming protocol launch on Sepolia testnet and an upcoming beta experience, the project will create a clear path for token utility and adoption.
For those following new cryptocurrency projects and crypto predictions, MUTM presents a unique opportunity for early exposure to a utility-first DeFi token.
Mutuum Finance (MUTM) will have a total supply of 4B tokens. Across all presale phases, the project has raised approximately $18.7 million and over 18,000 holders have already participated across presale phases.
Phase 6 is priced at $0.035, with about 90% of the 170M allocation has already been claimed. Phase 7 will step to $0.040, representing a 15% increase. The limited window at $0.035 will create a time-sensitive entry point for early investors.
Two Lending Systems to Drive Token Demand
Mutuum Finance (MUTM) will operate on two lending architectures designed to create recurring token activity. The first, Peer-to-Contract (P2C), will use pool-based smart contracts to accept stablecoins such as USDT and USDC, along with major tokens like ETH.
Lenders will receive mtTokens representing their pool share. These tokens will accrue yield and remain usable as collateral in the ecosystem. Borrowers will access overcollateralized loans, and interest rates will adjust dynamically based on pool utilization. P2C will ensure efficiency, predictable yields, and continuous protocol activity that feeds into MUTM demand.
The second system, Peer-to-Peer (P2P), will focus on higher-volatility tokens. Lenders and borrowers will negotiate custom terms directly. P2P loans will remain isolated from core pools to protect liquidity while offering differentiated risk and return for active users.
Together, these two systems will combine capital efficiency and bespoke opportunities, generating recurring on-chain events that underpin token demand and staking activity.
Technical Milestones and Exposure Helping Hit $1 Target
Mutuum Finance (MUTM) has confirmed through its official X account that the protocol’s V1 deployment is scheduled to take place on the Sepolia Testnet in Q4 2025. This first stage will enable the core system to function, featuring the liquidity pool, mtToken and debt token frameworks, and a liquidator bot to ensure healthy collateralization and platform stability. During this initial phase, users will be able to lend, borrow, and lock ETH or USDT as collateral.
Launching on a testnet first gives users the chance to experience the protocol in a real but low-risk environment. This helps build familiarity, strengthens trust, and supports early community growth before the mainnet release. As more users participate and the ecosystem gains traction, interest in MUTM may rise, potentially contributing to long-term value appreciation.
Continuous on-chain activity will be a key driver for MUTM’s future demand. Every lending, borrowing, and staking event will produce fees that feed into buy-and-distribute mechanics.
As total value locked grows, protocol revenue will repurchase MUTM from the market and distribute it to mtToken stakers. This will create a structural loop linking platform performance to holder incentives and reinforcing token demand organically.
A clear example demonstrates the advantage of early entry. An investor who converts $2,000 in Phase 4 at $0.025 received 80,000 MUTM tokens. At Phase 6’s $0.035 price, these tokens are valued at $2,800, a 40% uplift.
When MUTM reaches $1, the same 80,000 tokens will be valued around $80,000. At $2 per token, they will reach $160,000. This example shows how presale milestones translate into real potential for early participants, backed by the token’s utility and roadmap execution.
Community Incentives
Community incentives will further drive adoption. Mutuum Finance (MUTM) will host a $100,000 giveaway, rewarding 10 winners with $10,000 each. A Top-50 leaderboard will offer additional bonuses, and the top daily trader completing at least one transaction in 24 hours will earn $500 MUTM.
A live dashboard will display ROI and activity metrics in real time. With over 12,000 Twitter followers, these engagement mechanisms will encourage repeated participation and strengthen community momentum.
Phase 6 is nearly sold out, with roughly 90% of tokens expected to be claimed. The presale will step to $0.040 in Phase 7, creating a narrowing window for entry. For investors who focus on measurable tokenomics, tested contracts, and active community engagement, Mutuum Finance (MUTM) will present a unique chance to access a utility-driven DeFi token.
Those following new cryptocurrency trends and analyzing crypto predictions will find the $0.035 tranche a rare opportunity before the next automatic price increase.
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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