Most crypto presales struggle to deliver, leaving investors frustrated and wary. Nearly 90% of presales never release a working product on time.
Its V1 of the protocol is planned for Sepolia Testnet in Q4 2025, making the token highly attractive for pre-launch investors seeking real utility. This confirmed timeline separates MUTM from other presales and creates a unique opportunity for crypto investing enthusiasts searching for the next crypto to buy now.
Mutuum Finance (MUTM): A Transparent, Utility-Focused Platform
Mutuum Finance (MUTM) presale highlights the urgency. The total supply is 4 billion MUTM, with over $18.95 million raised across all phases and there are more than 18,200 holders. The current price sits at $0.035, Phase 6 allocation of 170 million MUTM is 95% sold, and the next presale price will rise to $0.040.
Recently, card purchases are now enabled with no limits, making entry easier than ever. Investors are acting fast as Phase 6 nears full allocation, signaling strong demand and limited time to secure tokens before the price increase.
A numerical example demonstrates the potential. An investor who purchased $6,000 in Phase 4 at $0.025 acquired 240,000 MUTM. At today’s price of $0.035, the investment is already valued around $8,400. Once MUTM reaches $1, the same stack will grow to $240,000, illustrating how early participation aligns with long-term gains.
Mutuum Finance (MUTM) is building a new digital lending infrastructure designed to maximize token utility. The platform will combine transparent mechanics with a working DeFi product in development.
MUTM is not just a token; it will drive real activity through lending, borrowing, and staking features. The pre-launch stage allows investors to acquire tokens ahead of the platform’s full functionality, capturing early-stage upside while the ecosystem grows.
The platform offers two lending models. Peer-to-Contract (P2C) lending uses liquidity pools where users receive mtTokens representing their positions. Borrowing options are tracked with debt tokens, while a liquidator bot maintains protocol safety.
ETH and USDT are the initial supported assets, ensuring stable liquidity and predictable lending outcomes. Peer-to-Peer (P2P) lending allows lenders and borrowers to negotiate loans directly, which is ideal for more volatile tokens. P2P offers higher returns for lenders, creating an attractive mechanism for investors seeking yield beyond traditional DeFi channels.
Why the V1 Timeline is a Game Changer and Other Growth Factors
Mutuum Finance (MUTM) announced through its official X account that the V1 edition of its protocol is
Introducing V1 on the testnet grants the community early access to the platform before its mainnet expansion. This structured release promotes transparency, encourages initial user engagement, and enables the team to gather meaningful feedback for ongoing improvements.
As more participants explore the testnet and interact with its features, overall interest in the ecosystem may grow, supporting stronger long-term confidence in the MUTM token.
Later on, the platform is expected to launch simultaneously with the token launch, generating immediate utility, allowing lending, borrowing, and staking from day one.
A working product will also attract attention from Tier-1 and Tier-2 exchanges, increasing visibility and accelerating adoption. For investors, this timeline provides clarity and confidence rarely seen in presales, reinforcing MUTM’s position as a leading choice for crypto investing.
Future expansion includes a decentralized $1-pegged stablecoin. Users will be able to borrow against ETH, SOL, and AVAX, with over-collateralized designs ensuring stability.
Minting and repaying this stablecoin will increase MUTM usage, creating ongoing demand and enhancing the ecosystem’s long-term value. The stablecoin mechanism aligns with Mutuum Finance (MUTM)’s goal to maintain utility-driven growth, giving early investors a tangible pathway to returns.
The platform will also include a buyback and dividend logic. Part of the lending revenue will be used to buy back MUTM tokens, which will then be distributed to mtToken stakers. This mechanism generates continuous buy pressure, supporting token appreciation while rewarding long-term participants. The system grows stronger as adoption increases, reinforcing a self-sustaining cycle that enhances both utility and value.
Community Engagement and Rewards
Mutuum Finance (MUTM) has an active and growing community with over 12,000 Twitter followers. Daily rewards of $500 in MUTM further incentivize engagement.
The platform is also running an
Mutuum Finance (MUTM) stands out as one of the few presales with a fully confirmed product timeline. The V1 Testnet will launch on Sepolia in Q4 2025, and the platform and token will go live together, offering immediate utility and active token use.
Phase 6 is almost sold out, and the price will increase from $0.035 to $0.040, creating a final window for investors. With confirmed development, utility, staking rewards, stablecoin expansion, and buyback mechanisms, Mutuum Finance (MUTM) represents an unmatched opportunity for investors seeking the next crypto to buy now. Urgency is high, and the time to participate in this presale is limited.
For more information about Mutuum Finance (MUTM) visit the links below:
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This story was published as a press release by Btcwire under HackerNoon’s Business Blogging