Crypto presales often make headlines for ambitious promises, but only a handful manage to deliver both momentum and a clear roadmap. In 2025, Mutuum Finance (MUTM) emerged as one of the rare projects doing both. Mutuum Finance (MUTM) Mutuum Finance (MUTM) With its presale surging toward the $17.2 million mark and the team officially announcing progress on its lending and borrowing protocol, MUTM is solidifying its reputation as one of the most credible DeFi entrants under $0.05. Structured Growth With Clear Upside The Mutuum Finance presale began in early 2025 at $0.01 per token in Phase 1. Each successive stage introduced a roughly 20% price increase, creating urgency for new participants while rewarding early backers with compounding appreciation. Today, the sale has advanced to Phase 6 at $0.035, delivering early adopters a 250% MUTM value compared to the starting price. Phase 6 is already more than halfway sold out, with Phase 7 set at $0.04. According to the roadmap, the official listing price is fixed at $0.06, meaning Phase 1 investors are positioned for nearly 600% token appreciation by launch, while those joining now can still anticipate almost a 2x MUTM appreciation when the token lists. The scale of participation underscores how strong the demand has been. More than $17.1 million has been raised, over 750 million tokens allocated, and the community has expanded to more than 16,800 holders. Unlike presales that concentrate ownership in a few whale wallets, Mutuum Finance has managed to spread tokens broadly, supporting healthier liquidity at launch. Development Update Beyond fundraising, the project has confirmed progress on its technical rollout. According to a recent statement on X, Mutuum Finance announced the development of its lending and borrowing protocol, with Version 1 scheduled for Sepolia Testnet in Q4 2025. statement statement The first version will include a Liquidity Pool, mtTokens that serve as interest-bearing deposit receipts, Debt Tokens to represent borrowed positions, and a Liquidator Bot to handle risk events, along with other core modules essential for functioning credit markets. Initial assets will include ETH and USDT, both for lending, borrowing, and collateral use. This testnet deployment is a critical step, not only validating the system’s architecture but also giving early users and developers a chance to interact with the mechanics before full mainnet launch. By anchoring fundraising to live development milestones, Mutuum Finance is showing that it isn’t just about capital raising, it’s about building infrastructure. In a presale environment often dominated by speculative tokens without utility, this distinction matters. Transparency and Community Incentives Mutuum Finance has leaned heavily into transparency to keep its presale both engaging and accountable. A live dashboard gives participants real-time access to allocations, balances, and ROI projections. The system also features a Top 50 leaderboard, where the largest contributors are rewarded with bonus MUTM allocations at launch. This gamified approach has helped maintain momentum while adding a sense of fairness to the process. To reward early participants and grow visibility, the team also launched a $100,000 giveaway, splitting the prize into 10 awards of $10,000 in MUTM tokens each. This community-first initiative provided tangible rewards while generating organic buzz, setting the presale apart from others that often rely purely on marketing hype. $100,000 giveaway $100,000 giveaway Security has been treated as a priority from the outset. Mutuum Finance recently completed a CertiK audit, achieving a strong 90/100 Token Scan score, a result that places it among the better-audited protocols in DeFi. Alongside this, the project has rolled out a $50,000 bug bounty program structured across four tiers, incentivizing developers and security researchers to rigorously test the code. This layered approach, combining professional audit, open bug bounty, and real-time transparency tools, has built credibility around MUTM. For presale investors, it demonstrates that the team values accountability and risk management as much as growth. A Presale Built for Launch Another element separating Mutuum Finance from most presales is its commitment to immediate usability. According to the protocol roadmap, at token listing a beta platform will be released, enabling users to supply assets, borrow against collateral, and stake mtTokens from day one. The platform’s dual lending design, Peer-to-Contract (P2C) pooled markets for mainstream assets like ETH and stablecoins, and Peer-to-Peer (P2P) isolated agreements for riskier tokens—balances efficiency with safety. By allowing high-liquidity assets and niche tokens to coexist without exposing the broader system to unnecessary risk, Mutuum Finance is creating a lending environment that can scale across multiple use cases. This alignment of launch and utility avoids the common trap where presale projects list their tokens months before delivering functionality. Instead, Mutuum Finance will be able to show usage metrics and real adoption from the moment exchanges open, reinforcing token demand with actual activity. From Presale to Protocol With Phase 6 more than Protocol, the presale’s trajectory is clear. The upcoming move to Phase 7 at $0.04 and eventual listing at $0.06 has created urgency for those still on the sidelines. But the presale numbers are only part of the story. The development of the lending and borrowing protocol, starting with a Sepolia Testnet in Q4 2025, signals that Mutuum Finance is serious about delivering on its roadmap. The inclusion of ETH and USDT in V1 ensures that mainstream liquidity flows are supported from the outset, while the broader framework of liquidity pools, mtTokens, debt tokens, and liquidator bots sets the foundation for a functioning, scalable protocol. With funding already surpassing $17.1 million, the project has moved beyond the presale narrative into active development, positioning itself not just as a token sale, but as a credible DeFi crypto infrastructure play under $0.05. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com https://www.mutuum.com https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance https://linktr.ee/mutuumfinance https://linktr.ee/mutuumfinance This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. Program Program

This is a PR written by or for the company mentioned within it. The writer has a vested interest in the company and products mentioned within.

Mutuum Finance (MUTM): Official Development Milestone Announcement

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Mutuum Finance (MUTM) Announces Development of Lending & Borrowing Protocol, Surpasses $17 Million

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