This New Crypto Coin Surpasses $17.8M as Investors Flock In

The last quarter of 2025 is already shaping up to be a busy one DeFi investors. As established assets like Ethereum and Solana consolidate, new projects with clear foundations are beginning to attract attention. One of the most discussed of them is Mutual Funding (MUTM)next-generation lending protocol, which has now surpassed $17.8 million raised in pre-sales.

What Mutuum Finance (MUTM) is building

Mutuum Finance (MUTM) is an Ethereum-based lending and borrowing protocol designed to make decentralized finance more transparent and scalable. Its foundation rests on two complementary credit markets.

The first is Peer-to-Contract (P2C), shared pools of liquidity for underlying assets such as ETH and leading stablecoins. Depositors will receive mtTokenswhich accrue income automatically when borrowers pay interest. The second is Peer-to-Peer (P2P), a marketplace where users can create their own, isolated loans, ideal for less common assets or unique loan terms.

Borrowing rates within Mutuum Finance are based on usage. When liquidity is abundant, rates stay low to stimulate lending. When liquidity tightens, rates rise, incentivizing loan repayments and new deposits. This creates a self-balancing cycle where the protocol effectively manages liquidity without external intervention.

Selected assets can also support borrowing with a stable interest rate, providing users with predictable repayment costs. Stable positions can be rebalanced if market rates move too far beyond the locked level, thus maintaining fairness and long-term stability.

Presale progress and 24-hour leaderboard

Mutuum Finance’s pre-sale has quickly become one of the most dynamic in the DeFi sector. The current price of MUTM is $0.035 in phase 6, which is already more than 71% allocated. The project raised more than $17.8 million from 17,400 holders, reflecting strong momentum and growing investor confidence.

Because the sale uses a fixed-price, fixed-allocation structure, each stage sells out before the next price level is activated. Once phase 6 closes, the price will automatically increase to $0.04 with a guidance estimate of $0.06, roughly a 71% increase from current levels.

The 24-hour leaderboard, which refreshes daily at 00:00 UTC, rewards the top contributor with $500 in MUTM, encouraging continued participation and transparency during the pre-sale.

Under Mutuum Finance’s token model, a portion of future protocol fees and platform revenue will be used to purchase MUTM on the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the security module. This mechanism, which is currently under development, aims to link the use of the platform directly to the demand for tokens, which analysts say is the main difference in the long-term sustainability of the feature.

Why analysts are comparing MUTM to Early Aave

Industry analysts are increasingly comparing Mutuum Finance ( MUTM ) to early stage Spiritand saw similar product-driven momentum. Rather than speculative hype, both projects focus on real utility, transparent credit markets and a clear token-economy design.

At $0.035, MUTM is considered undervalued given its progress, especially with the upcoming period Launching V1 on the Sepolia testnet in Q4 2025containing Liquidity Pool, mtToken, Debt Token and Liquidator Bot. These components form the core of its lending engine and allow the team to test borrowing and liquidation flows in a live environment before rolling them out to the network.

For investors looking for an early placement, the growth potential is multiplied here. Aave’s early backers famously saw exponential returns as utility and liquidity aligned — and analysts suggest MUTM could follow a similar trajectory. Its design combines token value with loan volume and fee generation, giving it a measurable growth path as adoption expands.

Security, Bug Bounty and Race Through Phase 6

Security remains central to Mutuum Finance’s appeal. The project has completed the CertiK audit and achieved a 90/100 Token Scan score, one of the strongest ratings among current DeFi presales. This independent verification provides assurance that the protocol’s smart contracts meet strict security standards.

In addition, the team runs a $50,000 bug bounty program to encourage responsible disclosure during the testing phase. Combined with open documentation and transparent development updates, these measures demonstrate a commitment to long-term credibility rather than short-term speculation.

Pre-sale momentum continues to accelerate as Phase 6 nears completion. The growing number of large contributions, including several whales exceeding $100,000, indicate confidence in Mutuum Finance’s roadmap and the broader reflection of DeFi cryptocurrencies. Once this phase closes, the price will rise to $0.04, locking in clear upside for current holders ahead of the $0.06 quote zone.

For more information on Mutuum Finance (MUTM), please visit the links below:

website: https://www.mutuum.com

Link tree: https://linktr.ee/mutuumfinance