Dubai, United Arab Emirates, November 1, 2025 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM) is closing in on one of its biggest milestones yet. The project has officially confirmed that its V1 protocol will go live on Sepolia Testnet in Q4 2025, marking a major milestone from development to deployment of the product. At the same time, the Phase 6 pre-sale is more than 80% complete, with investors continuing to pour in as anticipation builds ahead of launch.
Strong pre-sale momentum
The presale has become one of the most talked about events in the DeFi crypto space. Mutuum Finance has now raised over $18.1 million, attracting a rapidly growing community of over 17,600 holders. The current price stands at $0.035 per token, and as phase 6 comes to an end, the next stage will increase the price by almost 20% to $0.04.
The confirmed launch price is set at $0.06. Of the total supply of 4 billion tokens, 45.5% (1.82 billion tokens) were allocated to the presale. To date, over 785 million tokens have been sold, showing how demand has accelerated over the past few months.
Each pre-sale stage has sold out faster than the last, a sign of growing momentum as investors recognize the project’s potential. The combination of transparent pricing, structured tokenomics, and consistent communication has positioned Mutuum Finance as one of the top cryptocurrencies to watch ahead of 2026.
What Mutuum Finance (MUTM) is building
At its core, Mutuum Finance creates a decentralized, non-custodial lending and borrowing protocol that gives users full control over their crypto assets. The goal is to make DeFi lending more secure, transparent and efficient through smart contracts.
Mutuum Finance’s dual lending framework allows users to lend or borrow assets within flexible parameters. When a user deposits funds, they receive mtTokens, which act as productive receipts that automatically earn interest. For example, depositing 1 ETH into the liquidity pool would generate 1 mtETH, which increases in value as borrowers pay interest into the pool.
Borrowers can take out loans using backed assets as collateral, with loan-to-value (LTV) ratios adjusted for volatility. If the collateral falls below the safety threshold, a liquidation process begins to protect the protocol and depositors. This structure helps maintain long-term sustainability and user trust – a foundation that sets Mutuum apart from other DeFi protocols.
Mutuum Finance also introduced a purchase and distribution mechanism that directly links protocol activity to the value of the token. A portion of the platform fees generated from lending operations are used to purchase MUTM tokens on the open market, which are then redistributed to mtToken stakers.
This creates a continuous cycle of real buying pressure while rewarding participants in the long term. The model ensures that the more the protocol is used, the more demand for MUTM is generated, thereby turning its usage into growth. It is this built-in feedback loop that many analysts see as one of the project’s most important long-term benefits.
Security and transparency
Investor confidence was also boosted by Mutuum Finance’s CertiK audit, which awarded the project a Token Scan score of 90/100. This audit adds an important layer of trust, especially for a new crypto project entering a competitive DeFi market.
In addition to security testing, Mutuum Finance runs a 24-hour leaderboard system, in which the top daily contributor receives $500 worth of MUTM tokens. This initiative keeps the community active and engaged, while providing transparency during pre-sale.
The project also supports direct card purchases with no purchase limits, making it easier for new participants to join the presale – a rare feature that simplifies crypto onboarding.
Launch of V1: Sepolia Testnet in the fourth quarter of 2025
THE upcoming launch of the V1 protocol represents a major turning point for Mutuum Finance. Scheduled to debut on Sepolia Testnet in Q4 2025, the release will introduce the main functional components of the project: the liquidity pool, the mtToken, the debt token and the liquidator robot.
The liquidity pool will allow users to deposit or borrow assets such as ETH and USDT, which have been selected for their strong liquidity and reliability. mtTokens will track user deposits and earn interest, while debt tokens will represent amounts borrowed. To maintain the stability of the platform, the Liquidator Bot will automatically monitor and manage under-collateralized positions.
This first public release will give users the opportunity to experience the protocol in action before the mainnet launch. Once testing is complete, the team plans to expand support for the assets and deploy them across multiple chains, paving the way for wider ecosystem adoption.
Phase 6 is almost over and whale activity is increasing
As Phase 6 is 80% complete, large-scale investor activity has become more visible. On-chain data and pre-sale reports have highlighted whale allocations exceeding six figures, demonstrating growing confidence from experienced market players.
These investments are seen as a vote of confidence in the project’s fundamentals and its long-term potential. The steady increase in presale volume suggests that Phase 6 may sell out sooner than expected, pushing the price to $0.04 and bringing the presale closer to its final stages.
With the launch of its V1 protocol confirmed for Q4 2025, a successful CertiK audit, and over $18 million raised, Mutuum Finance (MUTM) has positioned itself as one of the top DeFi cryptos to watch heading into 2026. The combination of clear tokenomics, growing investor interest, and upcoming product delivery is generating strong momentum – and with Phase 6 almost allocated, excitement around the sequel is quickly building.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
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