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Mutuum Finance is gaining momentum as one of 2025’s most active DeFi presales, combining structured growth, strong investor participation, and a clear technical roadmap.
Summary
- The Ethereum-based lending protocol has raised over $17 million, with Phase 6 of its presale already 65% complete.
- It features dual lending markets for both major and niche tokens, plus a transparent leaderboard and community giveaways.
- A CertiK audit and upcoming Sepolia testnet launch position Mutuum Finance as a utility-driven project beyond speculation.
Mutuum Finance (MUTM) is rapidly emerging as one of the standout DeFi presales of 2025, attracting increasing attention from both retail participants and industry analysts. The project’s momentum has been building steadily, supported by a structured rollout strategy, an engaged community, and a clear technical vision that sets it apart from typical hype-driven launches.
With its current phase progressing quickly and major development milestones on the horizon, Mutuum Finance is entering a decisive stage that could shape its trajectory well beyond the presale period.
Mutuum Finance
Mutuum Finance is a decentralized, non-custodial lending and borrowing protocol built on Ethereum. Its core aim is to connect token value directly with on-chain activity, unlike many presales that rely purely on hype and speculative marketing.
The project is currently in Phase 6 of its fixed-stage presale, with tokens priced at $0.035 each, up from $0.01 in Phase 1, marking a 250% gain for early participants. The structured pricing model increases the token price by roughly 20% at each new phase, rewarding early entry with built-in appreciation and giving investors full visibility into how prices evolve ahead of launch.
So far, the presale has attracted over $17.3 million in funding, with more than 750 million tokens allocated, placing it among the top-performing token sales of the year. Once Phase 6 sells out, the price will rise to $0.04, with the final listing price set at $0.06, offering a clear pricing trajectory as the project nears launch.
24-Hour leaderboard, community giveaway and token allocation
One of the standout elements of Mutuum Finance’s presale is its transparent and highly active community structure. A 24-hour Top-50 leaderboard ranks the largest contributors in real time, rewarding them with bonus MUTM allocations. This gamified structure not only incentivizes larger contributions but also keeps presale engagement high throughout each phase.
In addition, a $100,000 community giveaway is currently running, with ten winners each receiving $10,000 worth of MUTM tokens. This initiative has significantly boosted visibility across social platforms and attracted a wider retail audience into the presale.
As of now, more than 750 million tokens have already been allocated through the structured sale model, underscoring strong and accelerating demand. Over 65% of Phase 6 has already been sold, highlighting how quickly the current stage is filling up as investors move to secure positions before the next price increase.
Growing investor base and distribution
Mutuum Finance has also achieved notable success in growing its holder base rapidly. The project now counts over 17,000 investors, marking one of the broadest distribution footprints among 2025 presales to date.
The allocation isn’t concentrated in a few wallets either. A deliberate focus on wide distribution across individual addresses has helped strengthen community participation and reduce the risk of whale-driven volatility post-listing. This strategy reflects the team’s intent to build a sustainable, community-anchored ecosystem rather than relying on short-term speculative spikes.
Dual lending markets
At the heart of Mutuum Finance’s utility is its dual lending market structure, designed to support both major and niche assets efficiently. The Peer-to-Contract (P2C) market focuses on mainstream tokens like ETH and USDT, which users can supply into shared liquidity pools. Depositors earn variable yields as borrowers take overcollateralized loans, creating a steady flow of on-chain economic activity.
The Peer-to-Peer (P2P) market, on the other hand, supports riskier or lower-liquidity tokens such as DOGE or SHIB through isolated lending agreements between users. By separating these markets, the protocol can expand its asset coverage while shielding the main liquidity pools from excessive volatility.
Borrowing is based on overcollateralization. For example, locking $10,000 worth of ETH would allow a user to borrow up to $7,500 in stablecoins at a 75% Loan-to-Value (LTV) ratio, ensuring protocol stability and protecting lenders even in volatile market conditions.
Clear roadmap toward utility
Unlike many presales that launch tokens long before delivering functionality, Mutuum Finance has synchronized its technical development with its fundraising phases.
In a recent X statement, the team confirmed that V1 of its lending and borrowing protocol is scheduled to go live on Sepolia testnet in Q4 2025. This rollout will include core modules such as liquidity pools, debt tokens, liquidator bots, and support for ETH and USDT as initial assets for lending, borrowing, and collateral.
This alignment between product development and token distribution is one of the project’s most important differentiators. It reduces speculation risk by giving investors a clear timeline for when utility will begin, rather than leaving buyers waiting months or years for platform functionality.
Moreover, Mutuum Finance has completed a CertiK audit, receiving a 90/100 Token Scan score, and launched a $50,000 bug bounty program to encourage independent security testing ahead of mainnet launch. These measures are crucial for building trust and ensuring the protocol is battle-tested before going live.
Final thoughts
Mutuum Finance’s progress in recent weeks reflects a growing convergence of community participation, structured tokenomics, and technical delivery. With $17.3m raised, 65% of Phase 6 completed, and over 750M tokens allocated, the crypto presale is entering a decisive stage where later buyers are facing higher entry prices as demand accelerates.
With a transparent pricing model, a live leaderboard, broad token distribution, and a Q4 2025 testnet launch on the horizon, Mutuum Finance is building a utility-driven ecosystem designed to generate on-chain activity. Its dual lending structure, stablecoin plans, and buy-and-distribute mechanism aim to create sustained token demand and long-term value growth.
To learn more about Mutuum Finance, visit the website and socials.
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Source: https://crypto.news/mutuum-finance-surpasses-17-3m-raised-as-phase-6-reaches-65-sold/
