Mutuum Finance Reports Over $18.9M Raised Ahead of Q4 2025 Testnet Launch
Dubai, UAE, November 26th, 2025, Chainwire
One of the emerging protocols gaining visibility amid the recent decline in Ethereum’s price is Mutuum Finance (MUTM), a decentralized finance (DeFi) project currently progressing through its token presale. As of this release, the project has confirmed that Phase 6 is approaching 95% allocation at a token price of $0.035.
Mutuum Finance: Dual-Layer DeFi Lending Model
Mutuum Finance is developing a lending platform that combines a Peer-to-Contract (P2C) liquidity pool model with a Peer-to-Peer (P2P) lending marketplace. In the P2C model, users provide liquidity and receive yield-bearing mtTokens. The P2P model allows borrowers to initiate over-collateralized loans at variable or fixed interest rates, supported by automatic liquidation mechanisms based on real-time collateral valuations.
This hybrid structure is designed to provide more lending flexibility while mitigating systemic risk through isolated positions and collateral requirements calibrated to asset volatility.
Presale Progress and Infrastructure Milestones
Mutuum Finance reports over $18.9 million raised in its presale campaign, with more than 18,200 token holders and approximately 790 million tokens distributed across the first six phases. The current sale price of $0.035 follows multiple prior rounds, which began at $0.01. The final launch price has been set at $0.06, according to the project’s roadmap.
The presale incorporates a daily leaderboard that allocates MUTM tokens to top contributors, and recent updates to payment systems have removed earlier contribution limits.
In terms of security, Mutuum Finance has completed a smart contract audit by CertiK, achieving a 90/100 Token Scan score. A separate audit by Halborn Security is underway, focusing on the lending infrastructure ahead of the public testnet launch.
Upcoming Testnet Deployment and Stablecoin Roadmap
According to the project’s official communication, Mutuum Finance intends to deploy its V1 protocol on the Sepolia testnet in Q4 2025. This version will feature core functionalities including liquidity provisioning, debt tracking, automated liquidation, and support for ETH and USDT markets.
Additionally, the team has outlined plans for a USD-pegged stablecoin backed by over-collateralized loan positions, with borrower interest routed to a treasury system. The project plans to use Chainlink for oracle data, supplemented by backup sources and decentralized exchange-based time-weighted average prices for additional reliability.
About Mutuum Finance (MUTM)
Mutuum Finance is an Ethereum-based lending and borrowing protocol that allows users to earn interest on their crypto assets through both peer-to-contract (P2C) and peer-to-peer (P2P) markets, as well as by staking their shares for dividend-style rewards, enabling dual yield. The protocol runs on smart contracts, making it fully transparent and non-custodial, so users retain control of their funds. Mutuum Finance’s roadmap includes launching a native stablecoin and expanding to multiple chains.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance