The DeFi world is entering a new chapter where real results matter more than empty promises. Mutuum Finance (MUTM) is one of the few projects leading this change with its upcoming V1 of the protocol. Analysts now forecast a 10× price jump for MUTM as the project prepares to launch its first working version on the Sepolia Testnet in Q4 2025. This event is expected to prove that Mutuum Finance (MUTM) is ready to deliver one of the most practical and transparent systems in the crypto market.
Building the Foundation for Real DeFi Use
Mutuum Finance (MUTM) is in Phase 6 of its presale, where each MUTM token is priced at $0.035. Out of 170 million tokens available in this round, most have already been purchased, showing how quickly confidence is growing. The project has already raised around $18.5 million from more than 17,800 holders across earlier stages. The next phase will start at $0.040, marking a 15% price jump. Phase 6 offers one of the last chances for early supporters to secure MUTM at a lower entry point before its expected listing price target of $0.06. Early buyers from the first phase at $0.01 have already enjoyed strong paper gains, while upcoming launches are expected to drive even higher valuations.
Mutuum Finance (MUTM) is building its platform on a dual-lending model that includes both Peer-to-Contract and Peer-to-Peer systems. The first model will let users deposit assets such as USDT, ETH, or DAI into secure pools. These pools will automatically match borrowers and calculate fair interest rates. The second model will allow people to lend or borrow directly with others for higher-yield opportunities using tokens like SHIB or DOGE. Together, these two systems will create a continuous flow of liquidity that supports the platform’s growing lending economy.
The V1 of the protocol launch planned for Q4 2025 on Sepolia Testnet will include all the key building blocks of the ecosystem. This version will feature liquidity pools, mtTokens, debt tokens, and automated liquidator bots that help keep the system balanced. ETH and USDT will be the first supported assets, allowing users to see the full cycle of lending, borrowing, and repayment in action. Once the V1 protocol demonstrates strong results on the testnet, it is expected to open doors for strategic listings and partnerships across the DeFi sector. This stage will also prepare the project for the expansion of supported assets and higher transaction volumes in later releases.
Mutuum’s stablecoin feature will also bring depth to its financial structure. This stablecoin will stay pegged to $1 and will be minted when users borrow against approved collateral such as ETH or SOL. It will be burned automatically when borrowers repay their loans. The system will always remain overcollateralized to ensure stability. The interest rate for borrowing the stablecoin will be managed by Mutuum’s governance process, adjusting up or down to maintain the $1 peg. When prices rise above $1, rates will decrease to encourage borrowing, while a drop below $1 will trigger higher rates to reduce circulation. Arbitrage traders will help keep it stable. This feature will turn the stablecoin into a reliable tool for lenders and borrowers who prefer predictable value in their transactions.
A Safer Path Toward Growth and Visibility
To support fair lending, Mutuum Finance (MUTM) will use Chainlink oracles to track real-time prices of assets like ETH, MATIC, and AVAX. The system will also include backup feeds and on-chain pricing to ensure accuracy even during market swings. Accurate price data will help protect users from sudden losses and support smooth liquidations, increasing confidence across the ecosystem. This attention to reliability is what gives Mutuum a strong foundation for long-term growth.
Security remains another central focus. Mutuum Finance (MUTM) has completed a full audit by CertiK, one of the most respected names in blockchain security. The audit gave the project a Token Scan Score of 90.00 and a Skynet Score of 79.00 after both manual review and static analysis. The timeline for the audit ran from February 25 to May 20, 2025, ensuring every contract met high safety standards. On top of that, Mutuum launched a $50,000 USDT Bug Bounty Program, rewarding community members who report bugs or vulnerabilities. The rewards range from $200 for smaller issues to $2,000 for critical findings. These steps show the project’s clear focus on user safety and transparency as it moves toward its mainnet release.
Final Words
Market experts expect that the combination of the testnet launch, audited code, and fast-selling presale will attract major attention from investors and exchanges alike. Many believe Mutuum Finance (MUTM) will soon be among the most talked-about crypto coins as real features start to roll out. At the current presale price of $0.035, an investment of $5,000 is expected to reach $50,000 once MUTM hits its projected post-listing range of $0.35 to $0.40.
As Q4 2025 approaches, Mutuum’s progress is shaping the project into one of the most promising entries in the DeFi market. With its working products, governance-driven stablecoin, and clear security roadmap, Mutuum Finance (MUTM) is set to become one of the cheapest cryptocurrency opportunities that actually delivers results. The countdown to its V1 of the protocol launch marks the beginning of what many see as a defining growth story for the next phase of decentralized finance.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
