Mutuum Finance (MUTM) Raises $17M

The decentralized finance (DeFi) sector is entering a new growth phase as the market approaches the next bull run.

Among the projects making waves ahead of their official launch, Mutuum Finance (MUTM) stands out for its structured strategy, clear technical roadmap, and rapid traction with investors. With over $17 million already raised and more than 750 million tokens allocated, the project is positioning itself as one of 2025’s most closely watched early-stage DeFi contenders.

Structured Presale Growth

Mutuum Finance’s presale launched in early 2025 at $0.01 in Phase 1, built around a structured model of roughly 20% price increases per stage. This deliberate approach rewards early entrants while giving later participants a transparent view of upcoming price movements, a level of clarity that many early-stage crypto offerings lack.

MUTM is currently priced at $0.035 in Phase 6, representing a 250% appreciation for those who entered at the earliest stage of the year. Phase 6 is already more than halfway sold, with Phase 7 priced at $0.04, and the official listing price fixed at $0.06. This creates a clear growth trajectory: Phase 1 investors stand to gain up to 500% token value by the time the token lists, while even current participants at $0.035 are positioned for nearly 2x MUTM upside.

So far, the presale has raised over $17 million, distributed more than 750 million tokens, and attracted a community of 16,800 holders. This broad distribution base helps mitigate concentration risk, preventing a handful of “whales” from dominating supply post-launch, a common issue in less structured token sales.

The phased pricing structure also builds a natural sense of scarcity as each round advances, fueling consistent momentum rather than relying on short-lived hype spikes. In an environment where many presales suffer from unclear timelines, delayed utility, or shifting terms, Mutuum Finance’s disciplined approach has set it apart, reinforcing investor confidence as it approaches the final stages before listing.

Early Roadmap Execution

According to a recent statement on X (formerly Twitter), the Mutuum Finance team confirmed that the development of its lending and borrowing protocol is actively underway, with V1 scheduled for Sepolia Testnet in Q4 2025.

The first version will include core components essential for a functioning DeFi lending stack: a liquidity pool, mtToken (interest-bearing deposit receipts), a debt token, a liquidator bot, and other credit-market modules. ETH and USDT will be the initial supported assets for lending, borrowing, and collateral, providing a familiar base for users.

Crucially, Mutuum Finance plans to launch a beta version of the platform simultaneously with the token listing, allowing holders to immediately become users. This approach accelerates adoption, boosts protocol activity early on, and increases the chances of securing listings on top-tier exchanges, which often favor tokens that already demonstrate live utility.

Demand-Built Tokenomics

Mutuum Finance’s design links protocol usage directly to token demand. When liquidity providers deposit assets, they receive mtTokens, which accrue interest and represent their supplied capital. This structure encourages liquidity retention and aligns user incentives with protocol growth.

Additionally, a portion of protocol fees is used to buy MUTM tokens on the open market, which are then redistributed to engaged participants through a buy-and-redistribute loop. This mechanism creates a structural demand cycle where more platform activity leads to more fees, more token purchases, and more distributions, a dynamic that many analysts believe could underpin sustained price appreciation post-listing.

Looking ahead, Mutuum Finance’s roadmap includes several major catalysts. A native overcollateralized stablecoin is planned to give the ecosystem its own predictable unit of account, deepening internal liquidity and reducing reliance on external stable assets.

The project also plans to deploy to Layer-2 networks, cutting transaction fees and broadening access to users who might otherwise be priced out by Ethereum gas costs.

On the pricing front, Mutuum Finance will implement a layered oracle system, using Chainlink, fallback sources, aggregated feeds, and DEX time-weighted averages to ensure fair and manipulation-resistant liquidations — a critical requirement for lending protocols.

Security, Bug Bounty & Community Trust

Mutuum Finance has already undergone a CertiK audit, earning a 90/100 Token Scan score, which places it among the more secure DeFi protocols in development. A $50,000 bug bounty program further incentivizes external security researchers to identify and address vulnerabilities ahead of launch.

Community trust has also been built into the presale through a live dashboard for real-time allocation tracking and a Top 50 leaderboard, rewarding major contributors with bonus tokens at listing. Additionally, a $100,000 giveaway campaign, awarding ten participants $10,000 each in MUTM tokens, has helped expand awareness and reward early supporters.

Mutuum Finance is approaching its token launch with momentum, structure, and clear execution milestones. Its combination of transparent presale mechanics, early product rollout, embedded demand loops, and rigorous security measures make it stand out in a crowded DeFi world. As the project raises over $17 million in funding, with only few presale stages remaining, many analysts are closely watching whether MUTM will deliver on its roadmap and emerge as one of the breakout DeFi tokens of 2025.

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

Website: https://www.mutuum.com

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:::tip 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.

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