The countdown has started for investors watching Mutuum Finance (MUTM). The $0.035 price phase is almost sold out, and the next jump to $0.040 is right ahead. As the V1 of the protocol launch on the Sepolia Testnet approaches in Q4 2025, excitement across the crypto ETF and best crypto communities continues to rise. This moment feels like one of those short-lived chances that define the next wave of early winners.Presale momentum and growing investor interestMutuum Finance (MUTM) has a total supply of 4B tokens. The project has already attracted around $18.50 million in presale funds, with the current price sitting at $0.035 in Phase 6.Out of 170M tokens allocated for this phase, 87% are already sold. The project now has over 17,800 holders across all presale rounds. The next phase price of $0.040 represents a 15% increase, making $0.035 the final discounted entry before the next climb.Mutuum Finance (MUTM) is a next-generation lending and borrowing protocol built for real DeFi utility. It introduces two connected markets that will make lending simpler, faster, and more rewarding.The Peer-to-Contract (P2C) model allows users to deposit liquidity into audited smart contracts, where interest rates adjust with pool usage. The Peer-to-Peer (P2P) model is for negotiated loans, designed for higher-risk or less liquid tokens. The P2C market is automated and runs on shared liquidity, while the P2P side will remain fully personalized and flexible.V1 testnet launch and utility-driven roadmapIn Q4 2025, Mutuum Finance (MUTM) will deploy its V1 of the protocol on the Sepolia Testnet. This will validate the platform’s core systems such as the Liquidity Pool, mtToken, Debt Token, and Liquidator Bot. Sepolia testing will help confirm the system’s stability before the public beta. The first supported assets will include ETH and USDT for lending, borrowing, and collateral use.The growth plan ahead focuses on demand, utility, and staking rewards. Mutuum Finance (MUTM) will use its buy-and-distribute model, where platform-generated revenue will be used to buy MUTM tokens from the open market and distribute them to mtToken stakers. This process will create steady buying pressure and reward long-term participants.Another key feature will be its decentralized stablecoin system. The stablecoin will be overcollateralized and pegged to $1. It will be minted when users borrow and burned when loans are repaid or liquidated. This will establish consistent demand through everyday borrowing and lending, further driving the use of MUTM tokens.Following the Sepolia phase, the project will move into a public beta, aligned with the official platform launch and exchange listing opportunities. This synchronized debut will ensure immediate product use from day one, with the launch expected to attract strong attention from the wider crypto market.Stability Factor & SecurityMutuum Finance (MUTM) will also implement a stable borrowing rate option. Stable rates will be reviewed whenever variable rates differ by more than 10%, ensuring borrowers and lenders remain in balance. All loans will stay overcollateralized, with a built-in Stability Factor to monitor every position. If collateral value drops below safe limits, liquidators will act quickly to repay the debt at a small discount, keeping the system secure and solvent.Security has been a priority from the start. The platform is under review by CertiK through both manual and static analysis. Mutuum Finance (MUTM) has achieved a TokenScan score of 90.00 and a Skynet score of 79.00. The audit request was first made on February 25, 2025, and revised on May 20, 2025. Alongside the audit, a $50,000 USDT bug bounty program is live, rewarding up to $2,000 for critical findings and smaller amounts for minor issues.Community GrowthThe team has also launched a $100,000 community giveaway with ten winners each receiving $10,000 worth of MUTM tokens. Over 12,000 followers are already active on social media. The live dashboard and Top-50 leaderboard keep engagement high, while the 24-hour leaderboard awards $500 in MUTM to the top daily trader who makes at least one transaction before the daily reset at 00:00 UTC. Card payments are now open with no purchase limits, making late entry into the presale faster and easier.Phase 6 is now 87% complete, and the next price step to $0.040 marks the final call for early buyers. The V1 testnet rollout, buy-and-distribute model, stablecoin anchor, and upcoming beta launch are lining up to make Mutuum Finance (MUTM) one of the best crypto projects to watch this year. For investors looking for real utility and early access before listings, this is the last discounted $0.035 window before the next climb.For more information about Mutuum Finance (MUTM) visit the links below:Website: https://www.mutuum.comLinktree: https://linktr.ee/mutuumfinance:::tipThis story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.:::\