Dubai, UAE, November 1, 2025 (GLOBE NEWSWIRE) — Mutual Funding (MUTM) is approaching one of its most important milestones. The project has officially confirmed that its V1 protocol will go live on the Sepolia testnet in the fourth quarter of 2025, marking a major step from development to product deployment. At the same time, pre-sales for Phase 6 are more than 80% complete and investors continue to pour in as anticipation builds ahead of the launch.
Strong pre-sales momentum
The presale has become one of the most talked about events in the DeFi crypto space. Mutuum Finance has already raised over $18.1 million, attracting a rapidly growing community of over 17,600 holders. The current price is $0.035 per token, and as Stage 6 nears its end, the next stage will raise the price by almost 20% to $0.04.
The confirmed launch price is set at $0.06. Of the 4 billion tokens, 45.5% (1.82 billion tokens) were allocated for the pre-sale. To date, more than 785 million tokens have been sold, which shows how quickly demand has increased in recent months.
Each pre-sale has sold out faster than the last, indicating growing momentum as investors realize the project's potential. The combination of transparent pricing, structured tokenomics and consistent communication has made Mutuum Finance one of the best cryptocurrencies to watch until 2026.
What is Mutuum Finance (MUTM) building?
At its core, Mutuum Finance creates a decentralized, non-custodial lending and borrowing protocol that gives users complete 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 system allows users to lend or borrow assets according to flexible parameters. When a user deposits funds, they receive mtTokens, which act as income receipts that automatically earn interest. For example, depositing 1 ETH into a liquidity pool will create 1 mtETH, which increases in value as borrowers pay interest into the pool.
Borrowers can borrow using backed assets as collateral, with the loan-to-value (LTV) ratio adjusted based on volatility. If collateral falls below the security threshold, a liquidation process begins to protect the protocol and investors. This structure helps maintain long-term sustainability and user trust—the foundation that sets Mutuum apart from other DeFi protocols.
Mutuum Finance has also introduced a purchase and distribution mechanism that directly links protocol activity to the value of the token. A portion of the platform commissions received from lending transactions is used to purchase MUTM tokens on the open market, which are then redistributed among mtToken participants.
This creates a continuous cycle of real buying pressure while rewarding long-term participants. The model ensures that the more the protocol is used, the greater the demand for MUTM, which turns usage into growth. It is this built-in feedback loop that many analysts consider one of the project's strongest long-term benefits.
Security and Transparency
Investor confidence was also boosted by CertiK's audit by Mutuum Finance, which gave the project a Token Scan score of 90/100. This audit adds an important layer of trust, especially for a new crypto project entering the competitive DeFi market.
In addition to security testing, Mutuum Finance uses a 24/7 leaderboard system where the top daily participant receives $500 worth of MUTM tokens. This initiative keeps the community active and engaged while ensuring transparency during the pre-sale.
The project also supports direct card purchases with no purchase restrictions, making it easier for new members to join the pre-sale—a rare feature that makes cryptocurrency adoption easier.
Version 1 launch: Sepolia testnet in Q4 2025
upcoming launch of V1 protocol represents a major turning point for Mutuum Finance. Sepolia will debut on the testnet in the fourth quarter of 2025. This release will introduce the main functional components of the project: liquidity pool, mtToken, debt token and liquidator bot.
The liquidity pool will allow users to deposit or borrow assets such as ETH and USDT, which were chosen for their high liquidity and reliability. mtTokens will track user deposits and generate interest, while Debt Tokens will represent the 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 test the protocol in action before the mainnet goes live. Once testing is complete, the team plans to expand support for the assets and deploy them across multiple chains, setting the stage for wider adoption of the ecosystem.
Phase 6 is nearing completion and whale activity is increasing
With Phase 6 now 80% complete, major investor activity has become more visible. Chain data and pre-sale reports have revealed whale distribution volumes exceeding six figures, indicating growing confidence from seasoned market participants.
This investment is seen as a vote of confidence in the fundamentals of the project and its long-term potential. Steady growth in pre-sale volumes suggests that Phase 6 may sell out ahead of schedule, pushing the price to $0.04 and towards the final pre-sale stage.
With the V1 protocol launch confirmed in Q4 2025, a successful CertiK audit, and over $18 million raised, Mutuum Finance (MUTM) is positioning itself as one of the top DeFi cryptocurrencies to watch in 2026. The combination of clear tokenomics, growing investor interest and impending product delivery is creating strong momentum – and with Phase 6 approaching full distribution, excitement is quickly building for what's to come.
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.
