Dubai, United Arab Emirates, October 25, 2025 (GLOBE NEWSWIRE) — As the cryptocurrency market begins to refocus on the fundamentals, a new crypto project stands out for its steady progress and structured delivery. Mutuum Finance (MUTM) has progressed methodically in its roadmap, transforming development promises into tangible results. While many early-stage projects remain stuck in the design phase, Mutuum Finance is laying the foundation for a fully functional decentralized finance (DeFi) ecosystem – one that is approaching its first major milestone with the upcoming launch of the V1 protocol.
Unlike hyped companies, Mutuum Finance focuses on visible progress, from audited smart contracts to consistent roadmap execution and active community engagement. This transparent approach has started to attract investors who value DeFi cryptocurrencies that show real progress and measurable milestones instead of speculation and vague promises.
What Mutuum Finance (MUTM) is building
Mutuum Finance is developing a decentralized lending and borrowing protocol on Ethereum designed to make on-chain finance more transparent, efficient and secure. Its goal is to allow users to lend and borrow digital assets directly through smart contracts, removing the need for centralized intermediaries and improving trust in DeFi lending markets.
The protocol has two interconnected systems. The first is the pooled lending market, where users can deposit major tokens like ETH or USDT into liquidity pools and automatically earn interest. Depositors receive mtTokens, which function as interest-bearing receipts that increase in value as borrowers repay their loans.
The second is the personalized lending market, a Peer-to-Peer (P2P) system designed for smaller or niche assets. This allows users to set their own terms, creating flexible offerings that are not limited by fixed rate pools. Together, these systems form Mutuum’s dual-lending structure, providing efficiency for traditional tokens and adaptability for emerging tokens.
Roadmap Progress: From Foundation to Development
The Mutuum Finance roadmap follows a clear and progressive approach. Phase 1 focused on building the project’s foundations. This stage introduced Mutuum Finance to the public, launched its pre-sale and launched targeted marketing campaigns to grow its initial community. The team also completed a CertiK smart contract audit, achieving a Token Scan score of 90/100, and formed a legal and compliance team to align with global standards. An AI-based help desk has been introduced to assist users, while educational content explains the protocol’s main functions and lending mechanisms.
Currently in phase 2, the project has moved into practical technical development. This stage includes building smart contracts, front-end DApp design, and setting up the back-end infrastructure – the systems responsible for loan processing, interest tracking, and liquidation event management. Together, these developments form the backbone of the upcoming V1 protocol.
By meeting its first milestones on time, Mutuum Finance has demonstrated steady progress, paving the way for the next major upgrade: the launch of Sepolia Testnet later this year.
Presale Progress and Community Transparency
The Mutuum Finance pre-sale has become one of the most structured and transparent on the market. The sale uses a fixed-price stage model, in which each stage has a specific token allocation and a fixed price increase once exhausted. This design ensures fairness, prevents manipulation, and rewards early participants who obtain tokens before the next price rise.
So far, the project has raised over $17.8 million and attracted 17,400 holders, selling over 770 million tokens out of a total supply of 4 billion. With 45.5% allocated to pre-sale, MUTM has already seen strong investor participation. The current Phase 6 price is $0.035, over 73% allocated. Once this phase is over, the price will increase by approximately 20%, bringing it closer to the introductory price of $0.06.
Since its starting price of $0.01 in Phase 1, MUTM has already surged 250%, making it one of the most promising cheap cryptocurrencies under $1 in 2025. This stable and transparent structure allows investors to see exactly how the project is progressing and how each step impacts the token value.
To enhance transparency, Mutuum also runs a 24-hour leaderboard that tracks contributions in real time. Each day, the top participant receives $500 from MUTM, encouraging consistent engagement and giving investors a live insight into community activity.
Launch of V1 and security of smart contracts
Mutual Finance next protocol V1 the launch is planned for the fourth quarter of 2025 on Sepolia Testnet, marking a major milestone in the project roadmap. This release will introduce the fundamental elements of its DeFi lending architecture, including Liquidity Pool, mtToken, Debt Token, and Liquidator Bot. Together, these elements form the basis of a fully functional on-chain credit market.
Initially, the testnet will support ETH and USDT for lending, borrowing, and collateral. These assets were chosen for their stability and liquidity, providing a solid basis for modeling rates and testing liquidation processes before expanding to other cryptocurrencies.
Safety has been a priority from the start. The CertiK audit confirmed that Mutuum’s code meets strict security standards, while the ongoing $50,000 bug bounty program encourages external developers to identify potential security vulnerabilities before the mainnet launch. These initiatives have made Mutuum stand out among early-stage DeFi projects in terms of transparency and technical readiness.
Growing demand and whale activity
Investor interest continues to grow as Phase 6 draws to a close. Several whale transactions, including six-figure contributions, have been recorded in recent weeks. Large investors often take on projects with obvious progress and credible delivery times, and Mutuum’s constant development has made it one of the best cryptocurrencies in this category.
These steady flows suggest growing confidence in the long-term potential of the project. As V1 approaches, analysts believe that Mutuum Finance could see strong appreciation once its product goes live. The current pre-sale price of $0.035 provides an early pre-launch entry point of $0.06, giving investors a clear advantage ahead of listing and market exposure.
For many participants, the decision comes down to timing: buy now or pay a premium later. As Mutuum moves closer to its testnet release and new features like stablecoin integration, it becomes clear that it is much more than just another DeFi crypto: it is a structured and transparent ecosystem designed for sustainable growth.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
Disclaimer: The information provided in this press release does not constitute an investment solicitation nor is it intended to constitute investment advice, financial advice or trading advice. Investing involves risks, including the potential loss of capital. It is strongly recommended that you perform due diligence, including consulting a professional financial advisor, before investing in or trading cryptocurrencies and securities. Neither the media platform nor the publisher shall be liable for any fraudulent activity, misrepresentation or financial loss arising from the contents of this press release.
