DeFi protocol Mutuum Finance sells over 750m tokens

Mutuum Finance builds momentum ahead of its token launch, which could signal positive DeFi potential for 2025.

Mutuum Finance (MUTM) is quickly gaining traction as one of the DeFi projects to keep an eye on in 2025. Rather than relying on hype or vague promises, it’s building its reputation through a structured approach that blends early growth with tangible development milestones. 

As anticipation builds ahead of its upcoming token launch, the project’s steady momentum is setting the stage for what many believe could be one of the standout stories of the next DeFi cycle.

A structured presale with clear growth

Mutuum Finance launched its presale in early 2025 with a starting price of $0.01 in Phase 1. Unlike many chaotic early offerings, each stage of its sale has been structured with approximately 20% price increases per phase, creating a transparent growth curve. This design rewards early participants while maintaining clear benchmarks for new entrants.

After five completed phases, the presale is now in Phase 6, where MUTM is priced at $0.035, representing a 250% token appreciation for the earliest backers. Phase 6 is already more than halfway sold, with Phase 7 priced at $0.04 ahead and the final listing price fixed at $0.06. This structured trajectory means early participants from Phase 1 are positioned for up to 500% token value once the launch price is reached, while even those entering at the current price can still expect nearly a 2x MUTM appreciation heading into listing.

Scale that signals momentum

The scale of the presale stands out in a crowded DeFi landscape. To date, over $17 million has been raised, more than 750 million tokens have been allocated, and the holder base has surpassed 16,800 addresses. This broad distribution reduces concentration risk, avoiding scenarios where a handful of whales dominate supply and lays the foundation for healthier liquidity dynamics once the token lists.

Importantly, the fact that Phase 6 is already more than 60% sold underscores the sense of scarcity building into the final stages. The incremental price increases are creating an incentive for participants to secure allocations sooner rather than later, echoing the momentum seen in successful DeFi token launches of past cycles.

Tangible development milestones

Beyond fundraising, Mutuum Finance is simultaneously progressing on its technical roadmap. According to a recent team statement on X (formerly Twitter), development of the protocol’s lending and borrowing system is underway, with V1 scheduled for Sepolia Testnet deployment in Q4 2025.

The first version will include core building blocks essential for a lending protocol: liquidity pools, mtTokens (interest-bearing deposit receipts), debt tokens, a liquidator bot, and other modules needed to operate efficient on-chain credit markets. Initial supported assets will be ETH and USDT for lending, borrowing, and collateral, giving users familiar and stable entry points into the system.

This alignment between fundraising and development provides investors with a rare degree of visibility. Rather than raising funds with vague promises, Mutuum Finance is mapping presale momentum directly to tangible product milestones, strengthening its credibility ahead of launch.

Security, bug bounty, and community engagement

Security has been prioritized early. Mutuum Finance has passed a CertiK audit with a 90/100 Token Scan score, a strong indicator of smart contract robustness. In addition, the team launched a $50,000 bug bounty program across multiple tiers to encourage external security researchers to stress-test the code before mainnet goes live.

Transparency is also built into the presale mechanics. A live dashboard allows participants to monitor allocations and calculate potential returns in real time, while a Top 50 leaderboard rewards major contributors with bonus tokens at listing. To further incentivize early involvement, Mutuum Finance is running a $100,000 giveaway, awarding 10 winners $10,000 in MUTM tokens each, a strategy that combines transparency, engagement, and reward in a way many early-stage projects lack.

Positioned ahead of launch

Mutuum Finance’s clear pricing structure, presale momentum, and development execution set it apart from the majority of early DeFi offerings. With Phase 6 rapidly selling out, $0.04 pricing for Phase 7, and a fixed $0.06 launch target, the pathway to token listing is on its way.

Beyond the immediate presale stages, the project’s long-term roadmap is equally significant. Mutuum Finance plans to roll out a native overcollateralized stablecoin to deepen internal liquidity and reduce reliance on external assets, while its planned Layer-2 integrations aim to lower fees and improve scalability for mass adoption.

A multi-layer oracle system — combining Chainlink feeds, fallback sources, and DEX time-weighted pricing, would secure pricing integrity, a crucial element for a lending protocol’s long-term stability. Analysts point out these catalysts make it one of the most credible under $0.05 DeFi tokens to watch in 2025 and beyond.

To learn more about Mutuum Finance, visit the website and socials.