Mutuum Finance (MUTM) is an Ethereum-based protocol designed to modernize the way we think about lending and borrowing. The protocol’s official whitepaper vision is to create a system that is entirely governed by code, offering users full control over their private keys. Mutuum Finance has officially pushed its funding past the $20.4 million mark. This massive influx of capital is backed by a rapidly growing base of more than 19,000 individual holders.
The distribution of the token began in early 2025 with an initial price of just $0.01. Since that time, the protocol has moved through several successful development phases, leading to a massive 300% surge in value. Today, the project is in Phase 7, and MUTM is priced at $0.04.
The top contributor during each 24-hour window receives a $500 bonus in MUTM tokens, which has created a competitive and vibrant environment. The economic structure of Mutuum Finance is built for sustainability and fair distribution. A significant 45.5% (1.82 billion tokens) has been specifically allocated for the early funding and community stages. To date, over 840 million tokens have already been sold.
This means that nearly half of the available community supply is already in the hands of holders, and the remaining inventory for the current phase is shrinking daily. To make the project accessible to a global audience, the team has introduced MUTM payment options that include both major cryptocurrencies and direct card access. The biggest catalyst for the recent growth is the official activation of the V1 protocol on the Sepolia testnet. The V1 version allows users to test live liquidity pools for ETH, USDT, LINK, and WBTC.
It also introduces mtTokens, which are yield-bearing receipts that grow in value automatically. This “proof of product” is a huge step because it shows that the team is delivering on its roadmap before the token even hits the open market. As the project moves deeper into Roadmap Phase 2, the sense of urgency is palpable. With Phase 7 selling out faster than any previous stage, the window for early entry at $0.04 is closing.
The project has already confirmed an official launch price of $0.06, meaning that entering now offers an immediate 50% advantage before public trading begins. When looking for a new crypto with developing utility and a working platform, the combination of the V1 launch and the rapidly depleting presale supply creates a now or never moment. As the transition to the mainnet approaches, Mutuum Finance is positioning itself as a leader in the next crypto generation. Mutuum Finance (MUTM), an Ethereum-based DeFi lending protocol, has surpassed $20.4 million in funding as more than 19,000 investors participate in the early phase.
The project envisions code-only governance and user-controlled private keys, reinforcing trust in its decentralized framework. Recent milestones reflect a fast-moving presale with widespread community participation. Phase 7 of the presale is sweeping faster than earlier stages, with the current price at $0.04 and an official mainnet launch price set at $0.06. About 45.5% of the token supply (1.82 billion tokens) is allocated for early funding and community development, while over 840 million tokens have already been sold.
This rapid consumption highlights the growing demand and shrinking supply as the project progresses. The Sepolia V1 activation introduces live liquidity pools for ETH, USDT, LINK, and WBTC and introduces mtTokens, yield-bearing receipts that grow in value automatically. The team touts this as a ‘proof of product’ milestone, showing delivery on the roadmap before public trading. As Roadmap Phase 2 unfolds, Mutuum Finance positions itself for a leadership role in the next crypto generation ahead of mainnet.
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