Dubai, UAE, November 1, 2025 (GLOBE NEWSWIRE) — Mutual Funding (MUTM) has reached another important milestone in its development journey by successfully completing Stage 1 of its roadmap. As the V1 protocol nears launch on the Sepolia testnet in Q4 2025, the project continues to gain traction among DeFi and crypto investors looking for structured, utility-focused opportunities in the market.
What is Mutuum Finance (MUTM) building?
Mutuum Finance is developing a decentralized, non-custodial liquidity protocol that allows users to securely lend and borrow digital assets using smart contracts. The goal is to create a more efficient, transparent and secure system for decentralized finance (DeFi) participants.
Users who contribute assets to the protocol receive mtTokens, which automatically generate income based on borrowing activity in the pool. For example, depositing $10 results in $10 million, the value of which continually increases as borrowers pay interest. On the other hand, borrowers can access loans at flexible rates determined by market utilization and type of collateral.
If the value of collateral falls below a certain threshold, automatic liquidation ensures that the protocol remains solvent, a key protection that helps maintain balance between lenders and borrowers.
Rapid pre-sale growth and investor momentum
Momentum around the Mutuum Finance pre-sale remains strong, with the project raising over $18 million to date and attracting a growing community of over 17,600 holders. The current sixth pre-sale phase is over 80% complete, indicating strong market confidence as the team prepares for the next phase of rollout.
The price of each MUTM token is currently $0.035, with the next round increasing to $0.04 and the confirmed launch price fixed at $0.06. Of the total supply of 4 billion tokens, 1.82 billion tokens are allocated to the pre-sale, providing clarity and predictability in the distribution of tokens.
Over 785 million tokens have already been sold, which shows how demand has increased with each milestone. Each round sold out faster than the previous one, reflecting both increased investor awareness and a strong belief in the project's long-term vision.
Next important milestone
upcoming V1 launch on testnet, Sepolia marks an important step forward for Mutuum Finance. The release will include the main components of the protocol: a liquidity pool, mtTokens, debt tokens and an automated liquidator bot.
The liquidity pool will serve as the basis for all lending and borrowing activities, supporting ETH and USDT in the initial version. These assets were chosen due to their high liquidity and reliability, ensuring stable performance during testing. mtTokens will represent deposits and accrue income, and debt tokens will represent the borrower's obligations. The liquidator bot will automatically track under-collateralized positions, ensuring the protocol is healthy and fair for all participants.
Security, transparency and investor confidence
Security remains the main focus of Mutuum Finance. The project completed the CertiK audit with a Token Scan score of 90/100, confirming its commitment to code reliability and security. Additionally, the company introduced a $50,000 bug bounty program to encourage responsible testing and build trust ahead of the mainnet release.
Community participation also plays a central role. A 24/7 leaderboard rewards the top participant of the day with $500 worth of MUTM tokens, encouraging participation while maintaining full transparency into pre-sale progress.
To make entry easier, direct card purchases are now supported with no purchase limits, opening the door to a wider range of investors who want to get involved before the next price increase.
Upcoming Stablecoin and Layer 2 Expansion
In addition to the lending protocol, Mutuum Finance plans to launch an on-demand stablecoin pegged to the US dollar, backed by over-collateralized loans within the platform. This stablecoin will be dynamically minted and burned, helping to stabilize liquidity and support long-term sustainability.
The team is also looking to deploy a Layer 2 network to reduce gas costs and improve transaction speeds. Combined with Oracle integrations such as Chainlink for accurate price data, these updates will improve performance and provide safer liquidations in volatile markets.
Whale Interest and Stage 6 Near Completion
With Phase 6 80% complete, Mutuum Finance continues to attract larger investors. Several whale allocations have been reported, some exceeding six figures. These inflows highlight growing institutional interest and increase confidence in the project's long-term prospects.
Analysts note that this level of engagement often comes before major milestones, suggesting the pre-sale could close sooner than expected as the $0.04 pricing round approaches.
Mutuum Finance's progress to date demonstrates clear execution and strong investor momentum. With over $18 million raised, a CertiK score of 90/100, and a V1 launch confirmed for Q4 2025, the project continues to be one of the top DeFi cryptocurrencies to watch through 2026.
For more information about Mutuum Finance (MUTM), please follow the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: The information provided in this press release does not constitute a solicitation for investment and is not intended to be used as investment, financial or trading advice. Investing involves risk, including potential loss of capital. You are strongly advised to exercise due diligence, including consultation with a professional financial advisor, before investing or trading in cryptocurrencies and securities. Neither the media platform nor the publisher will be liable for any fraud, misrepresentation or financial loss arising from the contents of this press release.
