V1 Protocol Launch Expected in Q4 2025 for DeFi Crypto Coin Mutuum Finance (MUTM)
Dubai, UAE, November 28th, 2025, Chainwire
Mutuum Finance (MUTM) has confirmed that its V1 decentralized lending and borrowing protocol is scheduled to launch on the Sepolia Testnet in Q4 2025. The protocol is being designed to support lending, borrowing and staking within an on-chain environment.
Mutuum Finance (MUTM)’s Dual Lending Models
With a total token supply of 4 billion, Phase 6 tokens are priced at $0.035. Currently, 95% of the 170 million tokens allocated for this phase are committed. Across all presale phases, nearly $19 million has been raised, and more than 18,200 holders have joined the community. The next presale phase is scheduled to adjust the price to $0.040.
A key element of Mutuum Finance (MUTM) is its dual lending model. The Peer-to-Contract (P2C) model allows lending and borrowing through smart contracts with automated interest accrual. The Peer-to-Peer (P2P) model enables direct participant interactions for lending and borrowing, offering additional flexibility over agreed terms. These systems are intended to provide a functional structure for on-chain lending and borrowing.
The V1 Protocol Launch for Real Testing
Mutuum Finance (MUTM) confirmed through its official X channel that the V1 release of its protocol will debut on the Sepolia Testnet in Q4 2025. This initial version will present the ecosystem’s core components, including the liquidity pool structure, mtToken and debt token mechanisms, and an automated liquidator bot that supports collateralized positions and protocol operations. During this phase, participants will be able to lend, borrow and use ETH or USDT as collateral.
Releasing V1 on a testnet allows early interaction with the system before any transition to mainnet. This rollout approach is intended to improve transparency, support direct testing and provide practical insights to guide further refinement.
Protocol Design and Utility Drivers
Platform utility is a central aspect of the project’s design. Lending and borrowing features are intended to provide a functional environment in which participants can interact with supported assets. Each lending, borrowing or staking action is designed to integrate with the MUTM token within the protocol.
Another roadmap component is a beta release aligned with the official token launch. This early access period will allow participants to evaluate core features such as lending, borrowing and staking, with the aim of collecting feedback to inform iterative development.
Mutuum Finance (MUTM) also incorporates a buy-and-distribute mechanism. Depositors receive mtTokens representing their share of the liquidity pool and accrued interest. These mtTokens can be staked for additional MUTM distributions according to protocol parameters. Under the current model, a portion of revenue from lending and borrowing is allocated toward repurchasing MUTM tokens from the market, which are then distributed to stakers.
Community Incentives and Engagement
Mutuum Finance (MUTM) maintains several initiatives intended to support community engagement. An ongoing $100,000 giveaway will provide ten winners with $10,000 each in MUTM tokens. A 24-hour leaderboard awards $500 to the top daily participant, while the top 50 participants receive additional rewards based on ranking. The platform’s dashboard allows participants to review holdings and explore various scenarios, supporting transparency around engagement metrics.
Phase 6 is nearing completion, with 95% of tokens already committed. Phase 7 is scheduled to adjust the token price to $0.040. These presale stages advance alongside the planned V1 protocol launch in Q4 2025.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralized finance project building a lending and borrowing platform that combines peer-to-contract liquidity pools with peer-to-peer markets. The protocol is structured around the MUTM token, which is integrated into activities such as staking and reward distribution as described in the project’s materials.
Further information about Mutuum Finance (MUTM) is available on the project’s official channels:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance