Dubai, UAE, Oct. 25, 2025 (GLOBE NEWSWIRE) — As the cryptocurrency market begins to shift its focus back to the basics, one new crypto project stands out for its steady progress and structured implementation. Mutual Funding (MUTM) is moving methodically along its roadmap, turning promises of development into tangible results. While many early-stage projects remain in the concept stage, Mutuum Finance is laying a solid foundation for a fully functional decentralized finance (DeFi) ecosystem as it approaches its first major milestone with the upcoming launch of the V1 protocol.
Unlike hype businesses, Mutuum Finance focuses on visible progress – from verified smart contracts to consistent roadmap execution and active community engagement. This transparent approach has begun to attract investors who value DeFi cryptocurrencies that demonstrate real progress and measurable milestones rather than speculation and vague promises.
What is Mutuum Finance (MUTM) building?
Mutuum Finance is developing a decentralized lending and borrowing protocol on Ethereum designed to make online finance more transparent, efficient and secure. Its goal is to allow users to lend and borrow digital assets directly through smart contracts, eliminating the need for centralized intermediaries and increasing trust in DeFi lending markets.
The protocol consists of two interconnected systems. The first is a pool lending market where users can deposit underlying tokens such as ETH or USDT into liquidity pools and automatically receive interest. Depositors receive mtTokens, which function as interest receipts that increase in value as borrowers repay their loans.
The second is the personal lending marketplace, a peer-to-peer (P2P) system designed for small or niche assets. This allows users to set their own terms, creating flexible deals that are not limited to fixed rate pools. Together, these systems form Mutuum's dual lending structure, ensuring the efficiency of core tokens and the adaptability of new ones.
Roadmap for progress: from foundation to development
The Mutuum Finance roadmap follows a clear step-by-step approach. The first stage focused on creating the foundation of the project. At this stage, Mutuum Finance was introduced to the public, pre-sales were launched and targeted marketing campaigns were launched to develop an early community. The team also completed an audit of CertiK smart contracts, achieving a token scan score of 90/100, and formed a legal and compliance team to ensure compliance with global standards. An artificial intelligence-based help desk was introduced to support users, and educational content explained the main functions of the protocol and lending mechanisms.
Now, in the second stage, the project has moved into practical technical development. This stage includes creating smart contracts, developing an external DApp, and setting up the back-end infrastructure—the systems responsible for processing loans, tracking interest, and managing liquidation events. Together, these developments form the basis of the future V1 protocol.
Having completed initial milestones on schedule, Mutuum Finance has demonstrated consistent progress, setting the stage for the next major update – the launch of the Sepolia testnet later this year.
Pre-sale progress and community transparency
Mutuum Finance pre-sale has become one of the most structured and transparent on the market. The sale uses a staged model with a fixed price, where each stage provides for a certain distribution of tokens and a set price increase after the sale. This design ensures fairness, prevents manipulation, and rewards early participants who receive tokens before the next price spike.
To date, 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% of MUTM's shares allocated for pre-sale, the company has already attracted active investor participation. The current Phase 6 price is $0.035, representing an allocation of over 73%. At the end of this stage, the price will increase by approximately 20%, approaching the starting price of $0.06.
From a starting price of $0.01 in Stage 1, MUTM has already risen 250%, making it one of the most promising low-cost cryptocurrencies of 2025 under $1. This robust and transparent structure allows investors to see exactly how the project is progressing and how each stage affects the value of the token.
To increase transparency, Mutuum also operates a 24/7 leaderboard that tracks contributions in real time. Every day, the top participant receives $500 worth of MUTM, which encourages ongoing participation and gives investors the ability to track community activity in real time.
V1 launch and smart contract security
Mutual financing upcoming V1 protocol The launch is scheduled for the fourth quarter of 2025 on the Sepolia testnet, marking an important milestone in the project's roadmap. This release will introduce the core elements of DeFi's lending architecture, including the liquidity pool, mtToken, debt token, and liquidator bot. Together, these components form the basis for 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 moving on to other cryptocurrencies.
Safety has been key from the very beginning. A CertiK audit confirmed that Mutuum's code meets strict security standards, and an ongoing $50,000 bug bounty program encourages external developers to identify potential security holes before the mainnet goes live. These initiatives have made Mutuum a standout 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 nears completion. Several Chinese transactions have been recorded in recent weeks, including six-figure contributions. Large investors often jump into projects with clear progress and reliable timelines, and Mutuum's steady growth has made it one of the top cryptocurrencies in the category.
The steady influx of funds indicates growing confidence in the project's long-term potential. With V1 approaching, analysts believe Mutuum Finance could see strong value growth once its product goes live. The current pre-sale price of $0.035 offers an early entry point before the $0.06 launch, giving investors a clear advantage over the exchange listing and market entry.
For many participants, the decision comes down to timing—buy now or pay a premium later. As Mutuum moves closer to testnet release and new features like stablecoin integration, it's clear that it's more than just another DeFi cryptocurrency—it's a structured, transparent ecosystem designed for sustainable growth.
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.
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