Mutuum Finance (MUTM): A New Name in DeFi Crypto
Dubai, UAE, September 10th, 2025, Chainwire
Mutuum Finance (MUTM) has announced its entry into the decentralized finance (DeFi) sector, introducing a platform focused on lending, borrowing, and risk management. The project aims to establish a framework that supports long-term utility within the digital asset ecosystem.
Mutuum Finance Announces Launch of Non-Custodial Lending and Borrowing Platform
Mutuum Finance has introduced a decentralized finance (DeFi) platform designed to provide non-custodial lending and borrowing services. The protocol aims to establish a framework that emphasizes utility, transparency, and community participation.
The project positions itself within the broader DeFi sector, where demand for decentralized alternatives to traditional financial services continues to expand. Mutuum Finance states that its approach is intended to support the development of an ecosystem where users maintain control of their assets without relying on centralized custodians.
Presale Progress
The market has already begun to respond. Mutuum’s presale has raised more than $15.5 million and attracted over 16,200 holders, signaling a growing community around the project. The token is currently priced at $0.035, with its launch set at $0.06. For investors, buying at the current level will translate into gains of 200%–300% at listing, with the potential for even larger returns in the weeks that follow.
Those who entered in the first phase at $0.01 are positioned to see over 600% growth on their investment by the time of launch. Confidence in the project has been further strengthened by its CertiK audit, where Mutuum Finance earned a strong 90/100 security score, reassuring investors that its smart contracts meet high safety standards.
Lending, Borrowing and Stable Rates
At the core of Mutuum Finance is a system of lending and borrowing that balances flexibility with security. Users can deposit assets to earn yield or borrow against their holdings, with the option of variable or stable rates.
- Variable rates adjust in real time depending on market conditions and liquidity.
- Stable rates offer borrowers predictable repayment terms, which can be useful for those managing long-term strategies.
For example, a trader might prefer borrowing USDT at a stable rate of 8% to avoid surprises, even if variable rates initially start lower. This stability helps users plan ahead, and while stable rates are typically slightly higher, they protect against sudden spikes in borrowing costs.
The system also includes a rebalancing mechanism. If market variable rates rise far above the locked stable rate, the protocol can adjust the borrower’s rate to maintain fairness and protect liquidity. This keeps the platform sustainable while still offering users the benefits of rate predictability.
Managing Volatility and Liquidity
One of Mutuum’s more advanced features is its framework for handling market volatility and on-chain liquidity, which are common stress points for DeFi protocols.
- For low-volatility assets like ETH or stablecoins, Mutuum allows higher Loan-to-Value (LTV) ratios of up to 75%, with an 80% liquidation threshold.
- For more volatile assets, such as smaller altcoins, LTVs are capped closer to 35–40%, with liquidation thresholds near 65%.
This difference serves to make sure that market shocks do not rock the platform. An example is that when a user lends in ETH, the system will allow it to be more flexible, whereas when loaning in a riskier token, there are stricter restrictions. These parameters minimize the risks of undercollateralization, securing the protocol as well as users.
Mutuum Finance has introduced a mechanism designed to provide liquidators with higher returns in situations where asset liquidity is limited. This approach is intended to enable the protocol to manage distressed positions efficiently while minimizing price slippage.
The platform also incorporates reserve factors, set between 10% for lower-risk assets and 35% for higher-risk assets. According to the project, these measures are designed to maintain a balance between security and user participation within the protocol.
Current Developments at Mutuum Finance
Mutuum Finance reports that its presale phase has generated early participation from users ahead of the protocol’s upcoming launch. The project highlights features such as stable borrowing rates and liquidity management mechanisms as part of its framework for building a decentralized finance ecosystem intended for long-term use.
For those exploring what crypto to buy now, Mutuum offers both the potential for significant near-term gains and the framework to remain relevant in the future. With its launch approaching and a growing community behind it, MUTM is positioning itself as one of the best crypto projects to watch in 2025 — and potentially a contender to join the ranks of leading DeFi names in the years ahead.
About Mutuum Finance (MUTM)
Mutuum Finance is a DeFi project currently in its presale phase in 2025, focused on building a platform for lending, borrowing, and earning yield through smart contracts. With mtTokens at its core and future plans for an overcollateralized stablecoin and multi-chain integration, the project is aiming to deliver long-term utility and growth in the decentralized finance space.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance