Mutuum Finance (MUTM): A New Crypto Coin With Real Utility to Launch V1 Protocol in Q4 2025

In a market crowded with short-lived trends, real attention usually follows real utility. That is exactly why Mutuum Finance (MUTM) is emerging as a project that many investors are closely watching.

Rather than chasing hype, it is being built around practical DeFi needs such as lending, borrowing, and liquidity efficiency. This focus on function is why many market watchers now describe it as a next big cryptocurrency that is still early in its lifecycle but already showing strong signals of long-term relevance.

$19.45M in Presale And $0.035 Price Window

Mutuum Finance (MUTM) is currently in Presale Phase 6, with a fixed total supply of 4 billion tokens. Across all presale phases combined, around $19.45 million has been generated so far, and this specific phase is already 98% sold out of its 170 million token allocation. The current price remains at $0.035, while the holder base has grown to over 18,600 participants across all phases. These figures reflect steady demand that has built over time rather than sudden spikes, which is often a sign of genuine investor confidence.

The legitimacy of the presale is also an important factor driving attention. The team behind Mutuum Finance (MUTM) has been active since early 2025 and has consistently followed its roadmap while delivering key milestones on schedule. With an upcoming launch of a fully functional protocol and continuous organic community growth, the project stands apart from the rug-pull schemes that dominate much of the crypto market. This steady execution has helped Mutuum Finance (MUTM) gain credibility as a serious long-term venture.

Real Utility Through Dual Lending Design

At the heart of Mutuum Finance (MUTM) lies its dual lending structure, which is designed to serve real user needs instead of speculative narratives. The protocol is being developed to support both peer-to-contract and peer-to-peer lending models.

This means users will be able to interact with liquidity pools for structured borrowing while also engaging in direct lending markets that allow more flexibility in asset choice.

The team has announced the development of its protocol, with Version 1 planned for deployment on the Sepolia Testnet in Q4 2025. This initial release will focus on essential components such as liquidity pools, mtTokens representing deposited assets, debt tokens for tracking borrow positions, and an automated liquidator bot.

ETH and USDT are planned as the first supported assets for lending, borrowing, and collateral, creating a controlled and secure starting environment.

Releasing V1 on the testnet gives the community a hands-on opportunity to explore the protocol before the mainnet rollout. This phased launch promotes openness, invites early user participation, and allows the team to gather actionable feedback for further refinement.

As engagement increases and more users interact with the testnet, confidence in the ecosystem may strengthen, helping to support long-term interest and demand for the MUTM token.

According to a recent post on X, Security and reliability are being reinforced through an independent audit by Halborn Security. With the code finalized before review, the audit process will thoroughly test the lending and borrowing contracts for vulnerabilities and logic errors. This professional validation is expected to strengthen trust and confirm that Mutuum Finance (MUTM) is being built with long-term safety in mind.

In-House $1 Pegged Stablecoin

One of the most compelling utility layers is the planned decentralized stablecoin. This stablecoin will aim to maintain a constant value of $1 and will only be minted when users borrow against overcollateralized assets like ETH.

When loans are repaid or liquidated, the stablecoin will be burned, ensuring that supply remains directly tied to actual borrowing demand. Only approved issuers with defined limits will be allowed to mint it, keeping systemic risk under control.

The borrowing interest rate will be managed through governance rather than pure market pressure. Rates will be adjusted to help maintain the $1 peg, while arbitrage activity will naturally correct short-term deviations.

Because all loans will be overcollateralized and automatically liquidated when necessary, the system is designed to preserve value over the long run. This stablecoin will anchor both lending markets within Mutuum Finance (MUTM), keeping liquidity circulating and generating recurring activity that supports token demand.

Why Attention Is Turning Into Demand

Another major factor driving attention toward Mutuum Finance (MUTM) is its approach to price discovery. The protocol’s design anticipates the use of Chainlink data feeds to determine fair market values for supported assets. These feeds can return prices in USD and various native assets, allowing flexible integration across multiple blockchains.

To ensure accuracy and resilience, the roadmap also includes fallback oracles, aggregated feeds from multiple sources, and on-chain metrics such as time-weighted average prices from decentralized exchanges. Reliable pricing will reduce erroneous liquidations and limit manipulation vectors.

As confidence in pricing increases, users are expected to take larger and longer-term positions, driving higher fee generation and treasury growth that can be channeled into MUTM-related economic uses. This logical cycle turns attention into sustained demand rather than short-term speculation often seen on crypto charts.

Visibility is also expected to expand post-launch. With a strong presale trajectory and clear utility, Mutuum Finance (MUTM) is projected to pursue listings on well-known Tier-1 and Tier-2 exchanges.

Increased exposure, liquidity inflows, and whale participation will naturally follow, expanding the user base and strengthening trust. This pattern has been observed repeatedly in established DeFi projects that started with strong fundamentals.

In final verdict, Mutuum Finance (MUTM) is capturing attention because it combines real utility, disciplined execution, and a clear growth roadmap. With Presale Phase 6 already 98% sold out and the next phase bringing a 15% price increase to $0.040, the current $0.035 level represents the final opportunity at this discounted entry. For investors seeking substance over noise, Mutuum Finance (MUTM) is quickly becoming impossible to overlook.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

:::tip This story was published as a press release by Gamingwire under HackerNoon’s Business Blogging Program.

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