Dubai, UAE, Oct. 25, 2025 (GLOBE NEWSWIRE) — In a market where many blockchain projects promise innovation but struggle to execute, Mutual Funding (MUTM) is quickly becoming one of the top cryptocurrencies showing steady, measurable progress. The Ethereum-based DeFi cryptocurrency has reached another major milestone as it approaches the launch of the V1 protocol after successfully completing the early stages of the roadmap and pre-sale that has already raised over $17.8 million.
With a roadmap that includes a proven lending infrastructure, a future stablecoin, and future Layer 2 scaling, Mutuum Finance is shaping up to be more than just another new cryptocurrency. It positions itself as a project with utility, long-term scalability and transparent token economics – key factors that analysts say could power the token's strong performance in the next cycle.
Creating a Transparent DeFi Ecosystem
At its core, Mutuum Finance (MUTM) is developing a decentralized lending and borrowing protocol designed to make network finance more efficient and user-friendly. The platform is built around two complementary lending systems: integrated markets for leading tokens such as ETH and USDT, and isolated lending options for smaller, emerging assets.
When users deposit funds into Mutuum Finance's liquidity pools, they receive mtTokens, which automatically accrue income as borrowers repay their loans. For example, depositing $2,000 worth of ETH can earn around 9-11% APY, providing stable passive income while maintaining full transparency through smart contracts.
This dual market architecture provides capital efficiency and flexibility—features that allow both large and small participants to lend or borrow securely while benefiting from interest rate adjustments based on real-time pool utilization levels.
Roadmap for progress
The Mutuum Finance roadmap follows a clear, step-by-step development plan. Phase 1 focused on laying the foundation of the project's ecosystem. At this point, the team launched pre-sales and began marketing campaigns to raise awareness. CertiK conducted a full audit of smart contracts, confirming the security of the platform.
Mutuum Finance has also established a legal and compliance team to ensure regulatory readiness. To support early adopters, the project introduced an AI-powered help desk and released educational materials explaining how the protocol works and what features will be available in the future.
Phase 2, currently underway, focuses on building the core technology of the protocol. The team develops the core smart contracts, designs the DApp interface, and sets up the backend infrastructure that will handle lending, liquidation, and data flow.
By sequentially going through these stages, Mutuum Finance demonstrates stable operation and technical consistency. This cautious approach will ensure that the project remains on track to release a fully functional lending protocol later this year.
Pre-sale momentum and community transparency
Mutuum Finance pre-sale continues to attract growing attention due to its structured and transparent design. Each stage has a fixed price and distribution, allowing early participants to track progress in real time. This clarity has made it one of the most organized low-cost sub-$1 cryptocurrencies on the market.
The project is currently in Phase 6, priced at $0.035 per token, and over 73% already distributed. Once tickets for this stage are sold out, the price will increase by almost 20% to a confirmed starting price of $0.06. From a starting point of $0.01 in Stage 1, the value of the token has already increased by almost 300%, giving early participants a good advantage.
The Mutuum team has also implemented a 24/7 leaderboard to increase transparency and engagement. The top daily contributor receives $500 worth of MUTM tokens, an incentive that keeps activity levels high while allowing investors to see progress in real time.
Security and Testnet V1 Launch
Security has been one of the defining strengths of Mutuum Finance's approach to development. The project's smart contracts have been fully audited by CertiK, achieving an impressive 90/100 token scanning score, confirming the security and reliability of its codebase. There is also a $50,000 bug bounty program to encourage external developers to identify any weaknesses before deploying the mainnet.
upcoming V1 launchwhich will debut on the Sepolia testnet in the fourth quarter of 2025, will mark a decisive turning point. The testnet will feature a liquidity pool, mtToken, Debt Token and liquidator bot – all core components of Mutuum Finance's lending architecture.
Initially, ETH and USDT will be supported for lending, borrowing and collateral, providing a strong liquidity base before expanding to other assets. This launch will take Mutuum Finance from development to functional testing, providing tangible proof of progress and usefulness – something many early-stage crypto projects fail to achieve before listing.
Stablecoin and Tier 2 Plans
In addition to its testnet debut, Mutuum Finance's roadmap includes two major updates: a USD-pegged stablecoin and Layer 2 scaling integration.
The stablecoin will be minted and burned on demand, backed by on-chain collateral. It will serve as a consistent medium of exchange within the protocol, stabilizing borrowing and repayment transactions while reducing exposure to price fluctuations. Stable sources of liquidity are necessary to support sustainable lending activity, and this move allows Mutuum Finance to compete with mainstream DeFi platforms that rely on internally stable assets.
Meanwhile, Level 2 expansion will increase expansion capabilities by reducing transaction costs and increasing throughput. This will allow Mutuum Finance to support more users and speed up lending and liquidation processes. Analysts see these advances as critical to long-term adoption as they align Mutuum's technology with the industry's shift toward cost-effective DeFi ecosystems.
Whale distribution and demand in stage 6
As Phase 6 nears completion, large investors (or whales) are increasingly beginning to take positions in the pre-sale. Numerous six-figure transactions have been reported in recent weeks, indicating growing institutional interest as the project approaches its V1 launch.
This growing demand highlights a familiar dynamic in early cryptocurrency markets: the closer a project gets to delivering a product, the smaller the available supply becomes. Simply put, investors who buy now benefit from lower entry prices, while those who wait until the launch are likely to pay a premium later.
With just over 25% remaining at the current stage and momentum building, Mutuum Finance's pre-sale appears to be entering its final stages, marking a turning point for investors tracking new cryptocurrencies with utility and structured development.
For more information about Mutuum Finance (MUTM), please follow the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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