Dubai, UAE, Oct. 12, 2025 (GLOBE NEWSWIRE) — In a market where many token launches rely on short bursts of speculative hype, Mutuum Finance (MUTM) takes a more disciplined path. The Ethereum-based DeFi project has surpassed $17 million in funding, reflecting growing investor interest as it combines a clear token pricing model with visible development progress. With Phase 6 of the pre-sale now more than 60% sold out, attention now turns to the next pricing step, which will coincide with the upcoming testnet rollout and eventual mainnet launch.
A utility-driven protocol with dual credit markets
Mutuum Finance is a decentralized lending and borrowing protocol built to create efficient on-chain credit markets where token value is directly tied to platform usage rather than speculation. Its architecture revolves around a dual lending model that combines two complementary mechanisms.
The Peer-to-Contract (P2C) model drives regular lending. Users can supply assets such as ETH and USDT to shared liquidity pools and receive mtTokens at a 1:1 ratio. These mtTokens automatically generate returns generated by borrowers and function similarly to aTokens during Aave’s early growth. For example, a $10,000 ETH deposit can potentially earn an average annual return of around 15%, generating passive income while allowing the user to retain ownership of their assets.
On the loan side, users can select variable or stable interest rates. Variable interest rates dynamically adjust with pool usage and remain low during moderate demand, but rise sharply as usage approaches 90% to attract new deposits and balance liquidity. Stable interest rates provide predictable repayment terms, but can be rebalanced if they deviate too far from market conditions.
Collateral management is based on clear Loan-to-Value (LTV) ratios and liquidation thresholds to maintain solvency. Stable assets like ETH and USDT typically support LTVs of up to 75%, with liquidation thresholds around 80%, while more volatile tokens have stricter limits to limit risk. This layered approach gives both lenders and borrowers flexibility within a secure framework.
Transparent pre-sale structure and expansion of community tools
Mutuum Finance’s pre-sales model has played a central role in the steady rise of Mutuum Finance. Each stage offers a fixed number of tokens at a fixed price. Once sold out, the next phase starts approximately 20% higher, rewarding early buyers and creating transparent price development.
The token launched at $0.01 in Phase 1 and is now at $0.035 in Phase 6, a 250% increase for early participants. With Phase 7 set to increase the price to $0.04 and the final listing price set at $0.06, investors have a clear view of the potential upside as the sale progresses.
To date, the presale has raised more than $17 million, allocated more than 750 million tokens and attracted more than 16,800 investors. Through a real-time dashboard, participants can connect wallets, track purchases and calculate expected returns. A Top 50 leaderboard highlights top contributors, rewards them with bonus MUTM at launch and adds a competitive advantage to participation. These tools enhance transparency and keep engagement high as later stages approach.
Roadmap for development and community initiatives
Mutuum Finance links strong fundraising momentum to clear development milestones. According to one recent team update on Unlike many pre-sales where capital is raised long before a product is delivered, Mutuum Finance aligns its technical development with the fundraising timeline, building investor confidence that utilities will be available shortly after listing.
Community involvement has also been a key pillar of the rollout. A $100,000 Giveaway awards ten participants each with $10,000 in MUTM. Together with the leaderboard and transparency tools, these initiatives will help build momentum as pre-sales enter their final stages.
Long-term growth engines and phase 6 acceleration
Looking ahead, Mutuum Finance’s roadmap includes several key growth catalysts. The team plans to launch an overcollateralized stablecoin designed to deepen platform liquidity and provide its own unit of account, an approach that has allowed MakerDAO to scale early. Layer-2 expansion is also planned to reduce transaction costs and increase the reach of the protocol, enabling higher throughput and lower costs for users.
As these milestones approach, Phase 6 is quickly approaching sell-out. Historically, well-structured pre-sales with active development increase demand at later stages as buyers move to lower entry prices prior to listing. With Phase 6 now 61% complete and a price increase to $0.04 on the horizon, Mutuum Finance is entering a crucial phase that will shape its trajectory to 2026.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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