Dubai, UAE, Oct. 26, 2025 (GLOBE NEWSWIRE) — Ethereum remains the heart of decentralized finance (DeFi), powering hundreds of applications and setting the standard for blockchain innovation. Now one new cryptocurrency has been built on its basis: Mutual Funding (MUTM)is quickly becoming one of the top cryptocurrencies to watch in 2025.
The project has officially confirmed the launch of the V1 protocol, marking an important milestone in its development roadmap. With over 17,400 investors already participating and more than $17.8 million raised, Mutuum Finance continues to gain more attention as it moves toward a functioning DeFi ecosystem later this year.
Mutual Funding (MUTM)
Mutuum Finance is developing a decentralized lending and borrowing protocol on Ethereum that combines two complementary systems: peer-to-peer (P2C) and peer-to-peer (P2P) lending. This dual-structure approach aims to make DeFi lending more efficient, flexible, and transparent for both retail and institutional participants.
In the P2C model, users deposit assets such as ETH or USDT into shared liquidity pools. These pools automatically distribute funds to borrowers through smart contracts, ensuring constant liquidity and fair interest distribution. Depositors receive mtTokens, which accrue income as borrowers repay their loans.
Meanwhile, the P2P model enables personalized lending between individual users, allowing them to set specific loan terms, interest rates and duration. This option is especially useful for smaller or niche crypto assets that may not fit into mainstream liquidity pools.
Together, these two systems give Mutuum Finance the ability to serve a wider market by offering streamlined automated lending through P2C pools and greater flexibility through direct P2P agreements, while maintaining chain transparency and decentralized risk management.
Mutuum Finance's lending markets are overcollateralized, meaning all loans are backed by assets of higher value. This structure minimizes risk while providing lenders with stable returns.
Project pre-sales reflect the same structured approach. Of the total supply of MUTM tokens of 4 billion, 45.5% (about 1.82 billion) are allocated for pre-sale distribution. Over 770 million tokens have already been sold, making it one of the most active low-cost cryptocurrencies of 2025 under $1.
The current Phase 6 price is $0.035, which is already 2.5 times the Phase 1 price of $0.01. Once this phase is sold out, the price will move closer to the confirmed starting price of $0.06.
Launch of version 1, security audit and 24/7 consultation
Credit Finance announced that its V1 protocol will launch on the Sepolia testnet in the fourth quarter of 2025. This first version will introduce all the core components of the protocol, including the liquidity pool, mtToken, debt token, and liquidator bot. Together, they form the core of Mutuum's decentralized lending stack, allowing users to lend, borrow, and collateralize assets such as ETH and USDT.
The team has made safety one of its top priorities. The project has undergone a full CertiK audit, achieving an impressive 90/100 token scan score, confirming that the smart contracts meet high standards of security and reliability.
Mutuum also launched a $50,000 bug bounty program, encouraging external developers to test and report potential code vulnerabilities before deploying to the mainnet. This combination of third-party audits and open testing reinforces the project's focus on long-term sustainability and transparency.
In addition to technical progress, the team operates a 24/7 leaderboard that publicly tracks pre-sale contributions and rewards the top performer of the day with $500 worth of MUTM tokens. This feature not only keeps the community active, but also demonstrates Mutuum Finance's commitment to openness: investors can see progress and participation in real time at any time.
Roadmap for progress
Mutuum Finance has approached its development roadmap in structured and measurable steps. The first stage has already been completed. At this stage, the project introduced Mutuum to the public, launched pre-sales, and launched marketing campaigns to increase community awareness.
The team also completed an external audit, developed an AI-powered help desk, and formed a legal and compliance team to ensure regulatory compliance. Educational materials were published to help users understand Mutuum's lending model and the utility of the token, laying the foundation for growth.
The project is now halfway through Phase 2, which focuses on building the technical infrastructure that will support the release of V1. This includes developing the core smart contracts, creating the DApp's front-end, and setting up the back-end to process lending and borrowing transactions in real-time.
Stablecoin and Oracle integration strengthens next phase
As Mutuum Finance gets closer to the launch of V1, the team is already preparing for the next major step in its roadmap – the introduction of a US dollar-pegged stablecoin. This asset will be backed by verified collateral on the network and will play a central role in maintaining the liquidity and stability of the platform's credit markets.
By tying borrowing and repayment activities to a fixed cost, a stablecoin will help reduce the impact of price fluctuations and make loan returns more predictable. This will allow users to plan their earnings more confidently, which is a big advantage over traditional variable-rate DeFi systems.
To ensure accuracy and transparency, Mutuum Finance will use trusted Oracle systems such as Chainlink. These oracles will provide real-time price data for the assets they support, helping to maintain fair collateral values, balanced borrowing limits, and accurate liquidation triggers. Even during periods of high network activity, backup data sources are expected to ensure uninterrupted system operation.
Stablecoins have become one of the most important tools in decentralized finance, providing a bridge between cryptocurrency volatility and predictable value. For Mutuum Finance, the launch of a collateral-backed stablecoin is not just an upgrade—it is an important step towards creating a self-sustaining lending ecosystem that can grow safely and consistently.
At the same time, the pre-sale of the project is approaching a key milestone. With over 73% of Phase 6 properties already sold, demand continues to grow among both regular exhibitors and large investors. This growing momentum reflects confidence in the project's roadmap as Mutuum Finance continues to achieve its goals, positioning itself as one of the most promising DeFi cryptocurrencies of 2025.
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.
