It’s rare to find a new cryptocurrency that checks all the right boxes — low entry price, real utility, and a fast-growing community. Mutuum Finance (MUTM) fits this picture perfectly. With the presale ending soon, November might be the last chance to get in before prices rise. Mutuum Finance (MUTM) is building a lending and borrowing platform that will soon power real on-chain activity. The project is still in its presale stage, yet it already shows the kind of traction most early cryptos dream about.
Total token supply stands at four billion MUTM. The presale has already raised around $18.5 million. The current phase, Phase 6, is priced at $0.035, and almost 87% is sold out. There are more than 17,800 holders who joined across all earlier phases. The next phase will open at $0.04, a 15% jump, making the current phase as the perfect entry post for retail investors and institutions alike.
What is Mutuum Finance (MUTM)
Mutuum Finance (MUTM) plans to give users two ways to lend and earn. In Peer-to-Contract (P2C) lending, users will supply assets into audited smart contracts. These contracts will give back mtTokens that earn interest and can also be used as collateral. The interest rates will change automatically based on how much liquidity is used. In Peer-to-Peer (P2P) lending, users will deal directly with each other for tokens that have higher risk and higher reward.
Mutuum Finance (MUTM) has confirmed via its official X profile that the V1 build of its protocol is planned to roll out on the Sepolia Testnet in Q4 2025. This early version will introduce the core infrastructure, including the liquidity pool, mtToken system, debt token model, and a liquidator bot designed to maintain balance and platform safety. At launch, users will be able to lend or borrow assets and supply ETH or USDT as collateral.
Releasing V1 on a testnet first gives the community a hands-on preview of how the protocol functions. This approach helps establish credibility, encourages user onboarding, and builds momentum ahead of the mainnet release. As more users participate, overall interest and demand for MUTM may naturally increase, potentially supporting long-term token value.
Utility That Drives Constant Demand
Every feature of Mutuum Finance (MUTM) is built to create real token demand. Lending, borrowing, and staking all may include the use of the MUTM token. Each transaction will generate small fees that flow through the system and keep activity high. As more people use the platform, more MUTM will circulate through these actions, building an active and self-sustaining ecosystem.
Mutuum’s early beta launch will help show users how this all works in action. The team plans to open early access so users can try lending, borrowing, and staking before the full mainnet rollout. This will bring attention from new users, help word-of-mouth growth, and build a base of active traders even before listings happen.
Another strong feature is its buy-and-distribute system. When the platform starts generating revenue, part of that income will be used to buy MUTM from the open market. These purchased tokens will then be sent to mtToken stakers as rewards. The more the platform is used, the more tokens get bought and sent out, creating an ongoing demand cycle that rewards real participation.
Mutuum Finance (MUTM) already has an active community that keeps growing each week. The project is running a giveaway worth $100K in total, with ten winners set to receive $10,000 each in MUTM. The live dashboard shows a Top 50 leaderboard where users can track their ranks in real time. To keep things fun and engaging, the first-ranked user each day will win a 500-dollar MUTM bonus, provided they complete at least one transaction that day. The board resets daily at midnight UTC, adding a sense of excitement to every day.
Why Early Buyers Are Smiling
Here’s what smart timing looks like. One early investor joined during Phase 1 when MUTM was just 0.01 dollars. By investing 5,000 dollars in that round, they secured 500,000 MUTM tokens. At today’s Phase 6 price of $0.035, that holding is now valued at $17,500 — more than 3X in value before the platform is even live. When Mutuum Finance (MUTM) launches and reaches stronger trading levels, those early investors will be sitting on massive gains. For anyone entering at $0.035 today, the upside remains attractive before the price moves to $0.04 in Phase 7.
Mutuum Finance (MUTM) also takes user safety seriously. The project is audited by CertiK, which uses both manual review and static analysis. The Token Scan Score is 90.00 and the Skynet score stands at 79.00. The audit timeline was first requested in February 2025 and later updated in May 2025. Along with that, a bug bounty program worth 50,000 USDT offers rewards for responsible disclosures — up to 2,000 dollars for critical findings.
The security focus, combined with its buy-and-distribute model, positions Mutuum Finance (MUTM) as a trustworthy and forward-looking platform. Phase 6 of the presale is almost complete. Once it closes, the price jumps to $0.04, making it one of the final windows to acquire the tokens at this price level. With the beta launch and more features coming, demand for this next big crypto is set to grow fast. For anyone looking for the only altcoin worth buying before November ends, Mutuum Finance (MUTM) looks like a smart move.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
