Mutuum Finance (MUTM) is gaining attention in crypto news today as the project moves closer to real-world utility with the launch of its V1 protocol on the Sepolia testnet. While the platform remains in presale phase 7, this technical milestone signals clear progress toward a working decentralized lending ecosystem. For investors searching for a new crypto backed by visible development, Mutuum Finance (MUTM) is positioning itself as a serious crypto investment with structure, transparency, and long-term intent.
Right from the testnet launch, Mutuum Finance (MUTM) is showing that it is not waiting until after fundraising to deliver functionality. Instead, it is allowing early users to interact with a live lending and borrowing framework before the mainnet launch, reinforcing confidence in the protocol’s direction and execution.
Presale Progress Reflects Growing Confidence
Mutuum Finance (MUTM) has a total supply of 4 billion tokens, with its presale structured in clearly defined phases. The project is currently in presale phase 7, where the token is priced at $0.04. Across all completed phases so far, approximately $20.17 million has been generated, highlighting steady participation from the market rather than sudden speculative spikes.
The presale has attracted over 19,000 holders when combining all phases, reflecting broad community interest rather than concentration among a few wallets. In the current phase alone, 12% of the 180 million token allocation has already been sold, showing continued demand even as the price increases through later stages. This steady uptake suggests that participants are responding to the platform’s development progress rather than hype alone.
It is also important to underline that the presale is fully authentic. The Mutuum Finance (MUTM) team has been active since early 2025 and has consistently followed its public roadmap. Key milestones have been delivered on schedule, including the upcoming launch of a fully functional protocol and continuous organic community growth. For investors evaluating a crypto investment during presale, this combination of transparency, delivery, and measured growth places Mutuum Finance (MUTM) in a stronger credibility bracket.
V1 Protocol on Sepolia Signals Real Utility
The launch of the protocol on the Sepolia testnet marks a defining step for Mutuum Finance (MUTM). This release allows users to interact with a working lending and borrowing system in a real testing environment, offering a clear preview of how the platform will function once it moves toward mainnet deployment. The purpose of this phase is not only testing but also collecting real usage feedback that will help refine the protocol before full launch.
The V1 protocol introduces core components such as liquidity pools, mtTokens, debt tokens, an automated liquidator bot, and support for ETH, USDT, LINK, and WBTC. Users are able to deposit assets into liquidity pools and earn yield as borrowers access liquidity. For example, depositing $3,000 worth of LINK generates interest over time as the pool is utilized, creating a straightforward earning mechanism tied to actual usage.
Borrowers benefit from the ability to lock assets as collateral instead of selling them. A user locking $6,000 in ETH can access around $4,000 in USDT while maintaining exposure to ETH. This structure supports capital efficiency and aligns with the needs of users who want liquidity without exiting long-term positions.
When assets are deposited, users receive mtTokens such as mtLINK. These tokens increase in value as interest accumulates, encouraging users to stay active within the ecosystem. Debt tokens record loans fully on-chain, making borrowing transparent and easy to monitor. By offering these features on testnet, Mutuum Finance (MUTM) allows early participants to experience real utility, understand how MUTM functions as the protocol’s foundation, and build confidence ahead of the mainnet launch.
Halborn Audit Report and Additional Growth Factors
Security remains a priority as well. In November 2025, Mutuum Finance (MUTM)’s smart contracts underwent a formal audit by Halborn. The assessment identified six issues, including one high-severity finding, all of which were fully resolved before completion.
Looking ahead, several growth drivers are expected to support ongoing demand for Mutuum Finance (MUTM). The platform’s dual lending model combines Peer-to-Contract and Peer-to-Peer systems, expanding use cases without compromising safety. In the P2C model, users pool assets into audited smart contracts, earning interest while borrowers provide overcollateralized collateral. Interest rates dynamically adjust based on pool usage, maintaining balance and capital efficiency.
The P2P model, designed for riskier or less liquid assets such as meme coins, isolates volatility from core pools. Lenders and borrowers negotiate terms directly, allowing higher returns while protecting the broader protocol. Alongside this, Mutuum Finance (MUTM) will implement a buy-and-distribute mechanism where a portion of platform revenue will be used to repurchase MUTM from the open market and distribute it to mtToken stakers. As platform activity grows, this system is expected to create continuous buy pressure while rewarding active participants..
As crypto news today highlights the V1 protocol launch on the Sepolia testnet, Mutuum Finance (MUTM) is clearly moving beyond concepts into execution. With an active presale phase 7, transparent progress, audited smart contracts, and a functioning testnet protocol, the project is shaping up as a new crypto with real direction. For those seeking a crypto investment grounded in development, structure, and long-term utility, Mutuum Finance (MUTM) is steadily building its case before full launch.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses.
