There is at least one project that surprises all when it comes to every market cycle. With Q4 2025 in sight, more traders say they have discovered it. By far, the initial signs are already present in the virtual world: the emerging interest in the matter, progressing tempo, good rates and a roadmap that is heading to actual implementation. Most people think that the new cryptocurrency might become one of the most significant surprises of the last quarter.
Presale Numbers
The MUTM token of Mutuum Finance has spread at a rate that others did not anticipate. The sale started at the beginning of 2025 and its price was set at $0.01. In Phase 6, the token is today priced at $0.035, which is nearly 300% high compared to the initial phase. But what is more important is that Phase 6 has already been over 85% allocated.
The presale has contributed to $18.6 million, 17,900 holders and sold 800 million tokens. Of the entire supply of 4 billion tokens, approximately 1.82 billion (45.5%) comes to the presale. Official launch is fixed at $0.06 price.
The purchase of MUTM with cards without restrictions also made onboarding in Mutuum Finance easier, hence improving participation and reducing the time spent on the stage. The project also operates day to day 24-hour leaderboard, with the highest contributor being awarded MUTM. Such a continuous flow sustains the interest on the various stages.
The Next Thing Mutuum Finance Is Building
Mutuum Finance is building upon a decentralized lending platform that is based on dual lending mechanics. The users will be in a position to provide assets and automatically earn interest in the form of the mtTokens. These mtTokens represent accrued interest in real-time and hence it is easy to monitor growth.
Another important pillar is security. Mutuum Finance passed a CertiK audit with a high level of rating (90/100 tokens scan), which contributes to the credibility of its smart-contract basis. Audited safety is required by long term investors and particularly in DeFi.

Stablecoin and Analyst Forecasts
Mutuum Finance intends to launch its own USD pegged stable currency backed by the interest paid on loans channeled to the treasury. Stablecoins introduce predictability and liquidity to lending services, which can make the everyday operations more active and grow the ecosystem.
The protocol will also rely on trusted oracle falls supported by fallback sources and aggregated data. Oracles will ensure that the collateral values remain honest and they are not distorted in the case of liquidations. In the case of a lending platform, this accuracy is highly important.
Analysts who follow the presale and roadmap anticipate good results in the post-release growth. There is also some speculation of a 3x-5x growth in the first adoption wave in case of utilization growth and traction towards stablecoins. Their predictions are based on actual utilization data and not pure sentiment, which is considered by the investors.
Stage Acceleration and Whale Surge
The time-tested V1 launch schedule is one of the largest causes of the rush into MUTM. In line with the official news on X posted by Mutuum Finance, V1 lending and borrowing protocol will be live in Sepolia testnet in Q4 2025. The supported assets will initially be ETH and USDT due to the release of the Liquidity Pool, mtTokens, Debt Tokens and the Liquidator Bot.
With this announcement the tone of the project went into a different direction. Traders came to the understanding that Mutuum Finance is not a presale token only. It possesses a progressing product timeline. Such a match between launch functionality and actual functionality is precisely what investors consider when analyzing what crypto to purchase at the moment.
With Phase 6 progressing towards completion, the allocation of the whales has begun to appear. It is reported that big whales came in with upward contributions of approximately $100,000. The activity of the whales is very important since such investors tend to conduct extensive studies before investing. They contribute towards a sense of confidence and accelerated completion of stages.
The presale is entering its last stages; demand is high, product release is a fact, security is audited and the token model is utility-based, so Mutuum Finance is becoming a rapidly recognized project. Most traders think it can be the largest surprise of the Q4 2025 and they are placing themselves ahead of the broader market before the move is discovered.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance














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