Mutuum Finance (MUTM), a new entrant in the decentralized lending sector, is approaching a major presale milestone as Phase 6 reaches 95% allocation at $0.035. The remaining supply continues to decrease as the project advances through its scheduled presale stages ahead of its planned 2025 testnet release.
What Is Mutuum Finance (MUTM)
Mutuum Finance is developing a decentralized lending and borrowing protocol designed to streamline how users access liquidity and earn yield on-chain. The platform is built around a dual-market structure — supporting both pooled lending and isolated peer-to-peer interactions — so users can deposit assets, borrow against collateral, and earn yield from real lending activity. mtTokens, which represent user deposits, increase in value automatically as borrowers repay interest through the protocol’s smart contracts.
The MUTM presale follows a multi-phase model, beginning at $0.01 in early 2025 and progressing through fixed pricing stages. Phase 6 is currently priced at $0.035 and now sits at 95% completion, leaving only a small portion of supply before the presale transitions to Phase 7, where the token price is set to increase by 20%, moving to $0.04.
Mutuum Finance has a total supply of 4 billion tokens, with 45.5% (1.82 billion) allocated to the presale. More than 790 million tokens have been purchased to date. The project has generated over $19 million in presale funding and surpassed 18,200 holders, marking steady participation ahead of launch.
Recent Development Updates: Halborn Security Audit Underway
Mutuum Finance recently announced that Halborn Security has begun reviewing the project’s lending and borrowing contracts. The code has been finalised and placed under formal analysis, with the team confirming it will provide a launch-window update for the Q4 2025 Sepolia Testnet once the audit progresses.
This follows Mutuum’s earlier successful CertiK audit, where the project received a strong security score, reinforcing confidence in the protocol’s technical foundation as it moves toward its first live release.
Future Development: Stablecoin Integration and Layer-2 Expansion
As part of its long-term roadmap, Mutuum Finance is building an on-demand, USD-pegged stablecoin designed to integrate directly with the lending engine. The stablecoin will be minted and burned within the protocol as users borrow or repay, forming a predictable source of liquidity while helping the project generate treasury revenue through interest flows.
Additionally, Mutuum plans to expand onto Layer-2 networks, enabling lower fees, faster settlement, and improved scalability. Layer-2 deployment can support higher lending activity, smoother liquidations, and lower operational costs — key factors for DeFi protocols aiming to serve large user bases.
These developments are expected to strengthen MUTM’s future utility and support broader adoption once the mainnet and token listing are live.
Mutuum Finance has a total supply of 4 billion tokens, with 45.5% (1.82 billion) allocated to the presale. More than 790 million tokens have been purchased to date. The project has generated over $19 million in presale funding and surpassed 18,200 holders, marking steady participation ahead of launch.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralised lending and borrowing protocol focused on delivering simple, non-custodial access to on-chain liquidity. The platform features pooled lending markets, P2P lending options, interest-accruing mtTokens, and a roadmap leading to its V1 testnet in Q4 2025. The protocol has completed a CertiK audit and is currently under review by Halborn Security. With plans that include a USD-pegged stablecoin, a buy-and-distribute revenue model, and Layer-2 expansion, Mutuum Finance aims to provide a DeFi ecosystem as it moves toward full launch.
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