Dubai, UAE, November 2, 2025 (GLOBE NEWSWIRE) — Mutual Funding (MUTM) continues to make steady progress on its development roadmap, completing Phase 2 milestones as the project approaches the launch of the V1 protocol, scheduled for the fourth quarter of 2025. The pre-sale has already attracted over 17,600 participants and raised over $18 million, highlighting the growing attention for one of the most promising new DeFi crypto projects on the market today.
What Mutuum Finance is building
Mutuum Finance (MUTM) is developing a decentralized, non-custodial lending protocol that allows users to lend, borrow, and earn passive income directly through smart contracts. Its main goal is to make DeFi lending simpler, safer and more transparent – accessible not only to experienced traders, but also to beginners who want to safely grow their crypto assets.
The platform uses a dual model structure consisting of peer-to-peer (P2C) and peer-to-peer (P2P) systems. The P2C side powers the main liquidity pools, where users deposit assets such as ETH or USDT to automatically generate income. In return, investors receive mtTokens, which act as interest receipts.
On the other hand, the P2P market gives users more control by allowing direct lending agreements between individuals for less common assets. This flexibility allows lenders and borrowers to negotiate rates and terms that best suit their needs, offering more freedom than traditional DeFi platforms.
Borrowers can access funds by locking in collateral, with loan rates and limits (LTV ratios) set based on the volatility of the asset. For example, stablecoins may allow higher LTV ratios (around 75%), while more volatile tokens such as ETH may have a 60% cap to reduce risk.
If collateral falls below the safety limit, the system triggers automatic liquidation to maintain solvency and protect the pool. This mechanism ensures that lenders' funds remain safe while keeping the overall protocol stable.
Pre-sale dynamics are gaining momentum
Mutuum Finance (MUTM) has maintained strong momentum throughout 2025, standing out as one of the most actively traded new crypto pre-sales in the DeFi space. The project is currently in Phase 6, where tokens are priced at $0.035 each. More than 80% of this stage has already been sold out, indicating a surge in investor interest as pre-sale preparations approach completion.
The next stage will see the token price rise nearly 20% to $0.04, followed by a confirmed launch price of $0.06. This structured, staged pricing gives early entrants a clear understanding of their growth potential and helps maintain strong demand at each stage.
Of the total supply of 4 billion, 45.5% (1.82 billion tokens) were allocated for pre-sale. Over 785 million tokens have been sold to date, with the rate of growth accelerating as each round sells out faster than the previous one. This steady pace shows how confidence in the project is growing, both from retail investors and from larger participants who are starting to pay attention to Mutuum's core principles.
Security and Transparency
Mutuum Finance also prioritizes security and transparency, receiving a 90/100 token scan score from CertiK, one of the most respected blockchain audit firms. This rating indicates a strong technical base and increases confidence in the project’s smart contracts before launch.
The team further built trust by introducing a $50,000 bug bounty program to incentivize responsible security testing before the mainnet goes live.
To keep the community active, Mutuum Finance operates a 24/7 leaderboard system, rewarding the top daily contributor with $500 worth of MUTM tokens. This incentive not only motivates users, but also adds an element of transparency and fairness to the pre-sales process.
Additionally, the project now allows direct card purchases with no purchase limits, making it easier for newcomers to join without complicated wallet setups or exchange transfers—a move that has helped increase participation.
Upcoming launch of V1 protocol
Mutual financing Protocol V1 is scheduled to launch on the Sepolia testnet in the fourth quarter of 2025, marking the project's most important milestone to date. This version will introduce the core functional components that define the ecosystem: liquidity pool, mtTokens, debt tokens and an automated liquidator bot.
The liquidity pool will act as the backbone of the lending system, allowing users to deposit or borrow assets such as ETH and USDT, chosen for their high liquidity and reliability. mtTokens will represent deposits and accrue income, and Debt Tokens will track borrower obligations. The liquidator bot automatically stabilizes the platform by managing risky positions, ensuring smooth operations and capital protection.
The launch will mark the transition from concept to a functioning product, a critical juncture that analysts say could boost investor confidence and draw attention to MUTM ahead of its formal listing.
Interest of whales and acceleration of pre-sale preparation
As Phase 6 nears completion, Mutuum Finance has begun to attract larger investors, including several six-figure whale companies. Such participation often signals confidence at the institutional level in the long-term potential of the project.
Whale entries typically accelerate sell-offs, and many expect Phase 6 to close soon at the current price of $0.035 before moving to the higher $0.04 stage. This steady growth has made Mutuum Finance one of the top performing new cryptocurrency pre-sales in 2025.
With the completion of the Phase 1 roadmap, the implementation of Phase 2 and the impending launch of the V1 protocol, Mutuum Finance (MUTM) has demonstrated consistent progress and results at each stage of its development. Backed by strong audit scores, structured tokenomics, and an active community, the project continues to attract both retail investors and whales seeking early access to utility-based DeFi cryptocurrency.
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.
