DUBAI, United Arab Emirates, November 7, 2025 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM) is gaining momentum as one of the most actively developed decentralized finance (DeFi) projects of 2025. The team has officially confirmed that the platform has entered Phase 2 (Building Mutuum) of its roadmap, marking a significant transition from planning to full-scale implementation. This phase focuses on technical advancements, from creating smart contracts to configuring risk parameters, while preparing for the upcoming V1 Testnet launch on Sepolia, scheduled for Q4 2025.
The project’s steady progress and transparency has attracted increasing attention in the DeFi crypto space. While many new cryptocurrencies remain in the concept stage, Mutuum Finance continues to demonstrate consistent delivery, structured development and active community participation.
Targeted development underway
Phase 2 of the Mutuum Finance roadmap represents the most technical step to date. This phase includes several critical elements such as smart contract coding, front-end and back-end DApp development, and implementation of advanced infrastructure and analytics tools. The goal is to create a stable and scalable foundation for the protocol before it goes into public testing.
Internal and external audit teams conduct regular code reviews, ensuring that each component meets strict security and performance standards. This hands-on approach helps reduce vulnerabilities and ensures that all features work as expected before the platform transitions to beta testing.
Alongside these efforts, the Mutuum Finance development team is working to define the risk parameters that will shape the protocol’s lending and borrowing mechanisms. These settings, including collateral ratios, reserve factors and asset limits, will determine how effectively the system manages liquidity and protects user deposits.
The path to V1 launch
The Mutuum Finance roadmap is divided into three structured phases: presentation of Mutuum, construction of Mutuum and finalization of Mutuum. Each phase targets a different level of progress.
Phase 1 focused on establishing the basics. This included launching pre-sales, expanding marketing campaigns, forming a legal and compliance team, and conducting a full audit of the CertiK smart contract. During this stage, Mutuum Finance also introduced educational materials explaining how its protocol works, increasing transparency and community understanding from the start.
Currently in Phase 2, the focus has shifted to the core technology of the system. Smart contract modules, liquidity logic and DApp architecture are under construction. This development stage also includes configuring advanced analytics dashboards designed to track the status of the protocol once the system is operational.
Once this stage is completed, Phase 3 will begin, focusing on bug reporting, testnet beta testing, and security reviews before the public testnet release of the protocol. Version V1 is already confirmed will launch on Sepolia Testnet in Q4 2025, marking Mutuum Finance’s transition from the construction phase to operational testing.
A structured and transparent pre-sale
The Mutuum Finance pre-sale continues to attract strong participation. It follows a fixed price and allocation model, meaning each phase must be sold before moving on to the next. This creates a transparent process in which the price and supply of tokens are predictable at every stage.
The MUTM token launched at $0.01 during Phase 1 and is now priced at $0.035 during Phase 6, representing an increase of almost 300% for early participants. The presale raised over $18.4 million, attracted 17,750 holders, and sold over 790 million tokens. Of the total supply of 4 billion MUTM, approximately 45.5% (1.82 billion tokens) are allocated for pre-sale, ensuring broad access to the community.
Each stage of the sale has a limited token cap, creating steady momentum as allocations sell. With phase 6 already more than 85% full, attention has increased on how quickly the remaining stages could close as the testnet approaches.
Security and transparency at the heart
DeFi projects depend on trust and transparency, and Mutuum Finance has integrated both into its structure. Completing the CertiK audit, where the project scored 90/100 on TokenScan, provides strong assurance regarding the security of its smart contracts.
On top of that, the project runs an ongoing bug bounty program worth $50,000, rewarding security researchers for identifying vulnerabilities before launch. This multi-layered approach shows a serious commitment to platform integrity and user protection.
Mutuum Finance also promotes open engagement through its 24-hour leaderboard, which rewards the top daily pre-sale contributor with $500 in MUTM tokens. This initiative maintained active participation while adding a transparent and competitive element to the pre-sale.
Building a sustainable DeFi model
Mutuum Finance is not a short-term project. Its design revolves around sustainability and practical use in decentralized credit markets. The protocol’s Liquidity Pool system will allow depositors to earn variable or stable returns through mtTokens, interest-bearing tokens that represent their share in the pool.
Borrowers can access liquidity by locking in collateral, with loan-to-value (LTV) ratios and liquidation thresholds automatically enforced by smart contracts. These mechanisms ensure a balance between risk and reward, making the ecosystem both functional and secure.
Additionally, Mutuum Finance is developing an on-demand stablecoin pegged to the US dollar. Interest income from the lending protocol will be paid into the project treasury, helping to maintain stable coin reserves and the long-term health of the platform.
The platform will also use Oracle integrations from leading vendors to ensure accurate asset pricing and real-time updates for liquidations. These integrations are vital to maintaining fair operations in a decentralized environment.
Dynamics and growing anticipation
The constant progress of the project has generated significant anticipation before the release of V1. As Mutuum Finance continues to progress through Phase 2 of its roadmap, the pace of pre-sales activities remains stable. The combination of transparent development, verified audits, and an organized roadmap has positioned it among the most closely watched potential crypto projects this year.
Testnet V1 on Sepolia will be a key milestone, marking the first time users interact with Mutuum’s core lending and borrowing mechanisms in a real-world environment. It will include core components such as Liquidity Pool, mtToken System, Debt Tokens and Liquidator Bot.
With each development update, Mutuum Finance demonstrates progress that few early-stage crypto projects can match. Its methodical approach, supported by clear steps and consistent delivery, continues to build trust as it moves closer to becoming a functioning DeFi platform.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
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