Mutuum Finance (MUTM) continues to make waves in the decentralized finance (DeFi) space as it crosses a major funding milestone. Built on Ethereum, the project has now raised more than $18.5 million, attracting over 17,850 holders and securing its place as one of the most closely followed new crypto launches of 2025.

With its V1 testnet scheduled to go live on the Sepolia network in Q4 2025, Mutuum Finance is transitioning from pure development to the final testing phase before mainnet release. This marks a major turning point for a protocol that has spent months building a comprehensive foundation for on-chain lending and borrowing.

A Steady Rise Through the Presale

Mutuum Finance launched its presale in early 2025, using a fixed-price, fixed-allocation model designed to ensure transparency and fairness. Each phase has a set number of tokens available, and as those allocations sell out, the price automatically increases in the next stage.

The token, MUTM, began at $0.01 in Phase 1 and has now reached $0.035 in Phase 6, representing a nearly 3x increase since the start of the year. According to official data, Phase 6 is already more than 85% allocated, signaling strong investor confidence ahead of the upcoming V1 testnet launch.

The structure has not only provided clarity for early buyers but also sustained the project’s growth over time. Each stage of the presale has sold out faster than the last, creating growing demand and a sense of urgency as the available supply continues to shrink.

Building a Functional DeFi Ecosystem

At its core, Mutuum Finance is designed to bring efficiency and transparency to DeFi lending markets. The protocol allows users to lend or borrow digital assets while maintaining control over their funds through smart contracts, automated systems that execute transactions without intermediaries.

When users deposit assets, they receive mtTokens, interest-bearing tokens that automatically accumulate yield over time. These tokens represent the user’s share of the liquidity pool and can be redeemed for both the original deposit and earned interest.

Borrowers, on the other hand, can take loans by providing collateral, with parameters such as loan-to-value (LTV) ratios and liquidation thresholds carefully adjusted to maintain system health. Mutuum Finance also integrates automated liquidations to protect the pool from under-collateralized positions, ensuring stability even during volatile market movements.

Phase 2: Building Mutuum Finance

Mutuum Finance is currently deep into Phase 2 of its roadmap, known as Building Mutuum. This stage focuses on completing the project’s technical core, including smart contract coding and testing, DApp front-end and back-end development, feature integration, and risk management systems.

The team is also finalizing analytics tools that will track key metrics like utilization rates, lending yields, and market performance. These tools are expected to help users make more informed decisions while interacting with the protocol.

Once Phase 2 is complete, the project will move into Phase 3: Finalizing Mutuum, which includes bug testing, documentation, and multiple layers of external security review. The V1 Sepolia testnet is the final step before the project’s mainnet deployment, giving early users the opportunity to experience the platform in a live, simulated environment.

Transparency and Security

In DeFi, security and trust are essential. Mutuum Finance has completed a full smart contract audit by CertiK, one of the most respected blockchain security firms in the industry. The protocol received a 90/100 Token Scan score, confirming that its code meets high standards for reliability and safety.

The team has also implemented a $50,000 bug bounty program, encouraging white-hat developers to test the system and report potential issues before the full launch. This open approach not only improves the platform’s defenses but also demonstrates a strong commitment to transparency.

Such steps have built confidence among holders and participants, further driving demand throughout the presale.

Community Engagement and Accessibility

One of the standout features of Mutuum Finance is its approach to community engagement. The project runs a 24-hour leaderboard, which rewards the top daily contributor with $500 worth of MUTM tokens. This mechanism keeps community activity high, adds transparency to the presale process, and has become a defining element of the project’s growth.

In addition, MUTM tokens can now be purchased directly using card payments, removing traditional crypto barriers and allowing new users to join the ecosystem easily. This accessibility has helped expand the community base and attract participants beyond typical crypto circles.

With $18.5 million raised, nearly 18,000 holders, and a robust roadmap, Mutuum Finance (MUTM) has emerged as one of the top cryptos to watch heading into 2026. Its focus on sustainable yield, secure lending mechanisms, and transparent governance has earned it recognition across the new cryptocurrency landscape.

The combination of audited smart contracts, strong presale performance, and real development milestones shows that Mutuum Finance is not just another presale token, it’s a fully developing protocol approaching operational readiness.

As the DeFi market continues to expand, Mutuum Finance’s blend of innovation, transparency, and community growth positions it as one of the most promising DeFi crypto projects of 2025.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

:::tip 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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