DeFi Crypto Coin Mutuum Finance (MUTM) Enters Final 5% of Its $0.035 Phase 6 Allocation
Dubai, UAE, November 28th, 2025, Chainwire
Mutuum Finance (MUTM), has announced continued development progress on its decentralized lending protocol, with the V1 system finalized and currently under review by Halborn Security ahead of a planned Sepolia Testnet release in Q4 2025.
Lending Framework Overview
Mutuum Finance (MUTM), priced at $0.035 during Phase 6 of its presale, is approaching the final 5% of allocation under $0.04. The project reports increasing participation as it advances through its current stage.
Mutuum Finance is developing a dual-lending structure composed of Peer-to-Contract and Peer-to-Peer systems. In the pooled model, participants supply assets to the liquidity pool and receive mtTokens, which track both principal and interest accumulated through protocol activity. For example, a deposit of $1,000 worth of ETH results in mtTokens that adjust in value based on lending utilization.
The Peer-to-Peer marketplace enables borrowers and lenders to agree on loan terms using stable or variable rate options. Loan-to-value (LTV) rules help establish borrowing thresholds, with stable assets such as ETH generally supporting LTVs near 75%, while more volatile assets remain in the 35%–40% range. Liquidations occur automatically if collateral falls below defined safety levels.
Presale Progress and Participation
Mutuum Finance reports raising more than $19 million, with over 18,200 holders participating to date. Out of the 4 billion MUTM supply, 45.5%—equivalent to 1.82 billion tokens—is allocated to the presale. More than 800 million tokens have been purchased, and Phase 6 is reported to be in its final allocation range.
The presale began in early 2025 at $0.01 in Phase 1, with the current Phase 6 price at $0.035. Project materials list a planned launch price of $0.06.
Community-focused features include a 24-hour leaderboard that provides a $500 MUTM reward to the top daily contributor. Card payment support with no limits has been added to broaden access across regions. Security initiatives include a completed CertiK Token Scan audit with a score of 90/100 and a $50,000 bug bounty program.
Protocol Development and Roadmap
According to the project’s official X account, V1 of the protocol includes liquidity pool infrastructure, mtTokens, a debt-tracking token and an automated liquidation bot. ETH and USDT will be the initial supported assets in the Sepolia Testnet. A specific release window is expected to be shared following Halborn’s ongoing review.
Additional roadmap components include a USD-pegged stablecoin designed for internal protocol use, with interest flows contributing to its functionality. The project is also preparing for a future Layer-2 expansion intended to support speed and efficiency.
A multi-layered oracle system is planned, incorporating Chainlink price feeds, fallback mechanisms and on-chain liquidity checks to support accurate liquidation thresholds during periods of market volatility.
Phase 6 Nears Completion
Phase 6, priced at $0.035, is approaching full allocation. Recent participation from new and existing contributors has reduced remaining availability as the project moves toward its Q4 2025 testnet release and subsequent development milestones.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralized finance project developing a dual lending protocol that integrates pooled smart-contract markets with peer-matched lending. Its V1 release, planned for the Sepolia testnet, will introduce core components including liquidity pools, mtTokens and automated liquidation systems as part of the project’s ongoing development roadmap.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance