Dubai, UAE, November 2, 2025 (GLOBE NEWSWIRE) — Mutual Funding (MUTM) is entering the final stages of pre-sales as excitement builds around the upcoming rollout of the V1 protocol. The project has now raised over $18 million, hitting another major milestone on its roadmap while gaining increasing attention as one of the top DeFi cryptocurrencies to watch ahead of 2026.
Rapid progress of pre-sale preparation
The pre-sale continues to generate strong demand, marking one of the strongest early-stage performances in the DeFi sector this year. Over 17,600 holders have already joined the Mutuum Finance (MUTM) community, indicating strong belief in the platform's long-term roadmap and viable use case.
The project is currently in Phase 6, with each token priced at $0.035. So far, more than 785 million tokens have been sold, bringing this stage to almost 80% completion. As investor participation increases in the next pre-sale stage, the price will rise to $0.04, followed by a confirmed launch price of $0.06.
MUTM first launched at $0.01 in Phase 1, meaning its value has already increased by 250% in pre-sale. By the time of launch, this growth will reach almost 500%, allowing early participants to potentially increase the value of the tokens.
This sustained and transparent price growth has helped Mutuum Finance stand out from the less organized pre-sales in the market. Each stage sold out faster than the previous one, creating clear momentum as the project progressed to the next stages. The combination of a rising token price, active fundraising, and growing community activity continues to fuel optimism that MUTM could be one of the top cryptocurrencies to watch in 2026.
Building a Functional DeFi Ecosystem
Mutuum Finance is developing a non-custodial lending and borrowing platform designed to make decentralized finance more efficient and reliable. The system is based on smart contracts that automatically process all credit transactions without the need for intermediaries.
When users deposit crypto assets, they receive mtTokens, which act as income receipts tied to their deposits. The value of these mtTokens increases as borrowers repay their loans, providing savers with an easy and transparent way to earn passive income. In the meantime, borrowers can access funds by using the supported assets as collateral.
Each loan carries a specific loan-to-value (LTV) ratio, which depends on the volatility of the asset used as collateral. For example, a stable asset like USDT can have a LTV ratio of around 75%, meaning a user can borrow up to $750 worth of assets for every $1,000 they deposit. In contrast, a more volatile asset such as ETH may have a lower LTV cap—for example, 60%—to reduce the risk of liquidation.
If the value of the collateral falls below the security threshold, the liquidation process automatically begins. This ensures that the protocol remains solvent and that lenders are protected from potential losses, while borrowers have a clear understanding of how much collateral they must maintain to keep their positions safe.
Community Safety and Trust
Investor confidence played an important role in Mutuum Finance achieving good pre-sale results. The project successfully passed the CertiK audit, one of the most authoritative checks in the blockchain industry. Mutuum received a Token Scan score of 90/100, confirming that its smart contracts meet high standards of security and reliability. This gives investors more confidence that the platform's foundation is secure and that their funds are protected from common vulnerabilities.
To further cement this idea, the team launched a $50,000 bug bounty program. This program rewards security researchers who help identify and report potential problems before the main network goes live. This shows that the team values transparency and wants to build long-term trust through open testing and third-party participation.
Community involvement is another key factor in the project's growing momentum. Mutuum Finance maintains a 24-hour leaderboard where the top participant earns $500 worth of MUTM tokens daily. This has created a fun, competitive environment that keeps investors active and engaged throughout the pre-sale process. It also adds an extra layer of openness as every contribution and reward is visible to the community.
The platform has also made it easy to participate. Users can purchase MUTM tokens directly using the card, bypassing complex wallet setup or token exchange. There are no purchase restrictions, making it easy for both small investors and larger participants to join. This accessibility has helped the presale attract a wide range of participants, from newbies using cryptocurrency for the first time to seasoned traders looking for their next high-potential project.
V1 protocol launch confirmed in Q4 2025
Mutuum Finance now preparing for V1 deploymentwhich will launch on the Sepolia testnet in the fourth quarter of 2025. This first version of the protocol will introduce the core functional components that form the basis of the Mutuum lending ecosystem.
The update will include a liquidity pool where users will be able to lend or borrow assets such as ETH and USDT. These assets were chosen for their liquidity and reliability, making them ideal for early testing. mtTokens will represent deposits and automatically generate income, and debt tokens will represent borrowed balances. To maintain the stability of the system, the liquidator bot will automatically manage loans with insufficient collateral.
Once testing is complete, the team plans to expand the use of additional tokens and integrate them into multiple chains, setting the stage for large-scale adoption.
Stablecoin and Tier 2 Plans
Beyond the initial issuance, Mutuum Finance plans to launch its own USD-pegged stablecoin backed by over-collateralized loans within the platform. The stablecoin will be minted and burned dynamically, which helps ensure long-term stability and balance within the system.
The team also intends to deploy the system in Layer 2 networks, improving scalability and reducing transaction costs. Together with planned Oracle integrations such as Chainlink price feeds, these updates will improve the reliability of the protocol and make it more competitive with leading DeFi projects.
What sets Mutuum Finance apart from most early-stage crypto projects is its combination of clear structure, proven security, and product readiness. This isn't just selling a concept – the team has demonstrated consistent progress across all stages of the roadmap, from completing the audit to engaging with the community and the upcoming testnet rollout.
Mutuum Finance (MUTM) is positioning itself as one of the best new DeFi cryptocurrencies with over $18 million raised, a proven smart contract system, and a V1 protocol nearing launch. Its structured pre-sales model, utility-based design, and transparent progress have already laid a strong foundation—and as Phase 6 nears completion, investor expectations continue to rise.
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.
