DUBAI, United Arab Emirates, Nov. 07, 2025 (GLOBE NEWSWIRE) -- Mutuum Finance (MUTM) is quickly emerging as one of the most talked-about decentralized finance new crypto projects of 2025. The team has officially confirmed that the V1 version of its lending and borrowing protocol will go live on the Sepolia Testnet in Q4 2025, signaling a major step forward from development to live testing. This announcement marks a key turning point for the project, which has maintained strong growth momentum and continued to attract both retail and institutional interest throughout the year.
A Growing DeFi Contender
Mutuum Finance is building a non-custodial lending and borrowing platform designed to improve how digital assets are used in decentralized markets. The system allows users to lend cryptocurrencies and earn interest or borrow against their holdings without selling them. What sets Mutuum Finance apart is its dual-market design, which includes traditional pooled lending markets for major assets and isolated peer-to-peer environments for more customized borrowing options.
At the center of this model is the mtToken, a yield-bearing token that lenders receive when they deposit assets. These mtTokens automatically accumulate interest, representing both the principal and the earnings generated through the platform. Borrowers, on the other hand, can use approved assets as collateral under specific Loan-to-Value (LTV) ratios. If a borrower’s position becomes undercollateralized, liquidations are triggered automatically by smart contracts, protecting lenders and ensuring protocol balance.
A Clear Signal of Demand
Since its launch earlier this year, Mutuum Finance’s presale has become one of the most successful in the DeFi crypto space. The project uses a fixed-price, fixed-allocation model, meaning each phase sells out before the price advances to the next tier. This design builds organic scarcity and rewards early supporters while keeping pricing predictable.
The token, MUTM, started at $0.01 in Phase 1 and has now reached $0.035 in Phase 6, representing a 2.5x increase since the beginning. According to official figures, the presale has raised over $18.5 million so far, attracted more than 17,850 holders, and sold around 790 million tokens out of the total 1.82 billion supply.
Each stage of the sale features a set allocation, creating a clear and measurable sense of progress. The strong pace of demand means that the project could reach full allocation faster than initially expected, particularly as attention grows around the upcoming testnet launch.
Security and Transparency Reinforce Credibility
In DeFi, security remains a defining factor of credibility, and Mutuum Finance has already taken significant steps to build trust. The project successfully completed a CertiK audit, receiving an impressive 90/100 TokenScan score, a strong indicator of robust contract safety. In addition, the team operates a $50,000 bug-bounty program to encourage responsible disclosure and maintain continuous testing.
Another innovation helping sustain community interest is Mutuum Finance’s 24-hour leaderboard system. This mechanism rewards the top daily contributors with $500 worth of MUTM tokens, adding transparency and engagement throughout the presale. The combination of gamified incentives and clear tracking has kept participants active while reinforcing fair participation.
Roadmap on Track
Mutuum Finance’s roadmap demonstrates steady progress across all phases.
Phase 1 (Introducing Mutuum) focused on building awareness, initiating the presale, completing the CertiK audit, launching giveaways, and setting up a legal and compliance team.
Phase 2 (Building Mutuum), the stage currently underway — focuses on technical execution. The team is working on smart contract development, front-end and back-end DApp creation, infrastructure setup, and risk-parameter implementation. Internal and external audits are performed regularly to ensure smooth integration of each feature.
The upcoming Phase 3 (Finalizing Mutuum) will cover bug reporting, testnet deployment, and security verifications before preparing for mainnet release and exchange listings. The confirmed V1 Testnet launch on Sepolia in Q4 2025 marks the beginning of public testing, a key step toward full product rollout.
Long-Term Vision and Stablecoin Plans
Beyond lending and borrowing, Mutuum Finance plans to introduce an on-demand stablecoin pegged to the U.S. dollar. The team has also confirmed upcoming oracle integrations, likely leveraging Chainlink, to ensure reliable price feeds for collateral management and liquidation triggers.
These upgrades show that Mutuum Finance’s focus extends well beyond its presale stage. The foundation being built is designed to make it a long-term DeFi player capable of competing with existing platforms.
Early Momentum Signals Growing Interest
The steady flow of participation has turned Mutuum Finance into one of the most active presales of 2025. Investors cite several reasons for this momentum: a transparent structure, continuous development updates, and the upcoming testnet launch timeline.
Large-volume participants have also been active. Recent on-chain data shows multiple six-figure inflows within 24 hours, signaling that whales and early-stage funds may already be positioning for future upside. Combined with the 24-hour leaderboard and public audit results, this has strengthened confidence across the community.
With the Sepolia Testnet approaching, Mutuum Finance is entering a pivotal period. This stage will allow the team to validate the protocol’s key components, such as the Liquidity Pool, mtToken mechanics, Debt Tokens, and Liquidator Bot, before mainnet release.
The DeFi landscape is increasingly focused on transparency, sustainable yields, and risk-managed lending systems, exactly the areas where Mutuum Finance has invested its development energy. As the project transitions from theory to live testing, it could see heightened visibility and user adoption throughout 2026.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Media Contact J. Weir contact@mutuum.com
