Mutuum Finance (MUTM) Approaches 99% Phase 6 Allocation as Presale Activity Accelerates
Dubai, UAE, November 28th, 2025, Chainwire
Mutuum Finance (MUTM) has announced that its V1 decentralized lending and borrowing protocol is scheduled for release on the Sepolia Testnet in Q4 2025. The platform is being developed to support lending, borrowing and staking within an on-chain environment as part of its broader ecosystem roadmap.
Dual Lending Framework
Mutuum Finance is building a dual-lending ecosystem designed to support both pooled (Peer-to-Contract) and peer-matched (Peer-to-Peer) lending. In the pooled model, users supply assets and receive mtTokens, which reflect principal and interest accrued through utilization. In the peer-matched system, borrowers and lenders interact directly under defined loan-to-value parameters, enabling stable or variable rate borrowing tied to collateral requirements. Both systems operate together within the wider protocol structure.
The platform’s borrowing rates adjust dynamically based on pool utilization. Higher liquidity generally aligns with lower borrowing rates, while reduced liquidity leads to rate adjustments intended to maintain balanced operations.
Presale Progress and Allocation Data
According to presale data shared by the team, Mutuum Finance has raised approximately $19 million, with around 18,200 holders participating and more than 790 million tokens sold. Of the total 4 billion MUTM supply, 45.5% is allocated to the presale. Pricing has progressed from $0.01 in Phase 1 to $0.035 in the current phase. The Phase 6 allocation is reported to be approximately 99% sold.
Security remains a priority for the project. Mutuum Finance reports completing a CertiK audit with a 90/100 score, and an additional review by Halborn Security is in progress. The team states that the codebase is finalized and undergoing detailed analysis.
Community engagement features also contribute to presale activity. A 24-hour leaderboard provides a daily reward valued at $500 in MUTM for the top participant, a system intended to maintain steady involvement as the presale advances.
V1 Protocol Testnet Release
Mutuum Finance has outlined that its V1 protocol release will debut on the Sepolia Testnet in Q4 2025. V1 will introduce the platform’s liquidity pool architecture, mtTokens, debt tokens and liquidation bot, with ETH and USDT as the initial supported assets in the testing environment. The testnet release is intended to offer early access to evaluate core functionality before later refinements and mainnet-aligned development.
Stablecoin and Oracle Infrastructure
Additional roadmap components include a fully collateralized stablecoin designed for internal protocol use. The project also plans to integrate Chainlink price feeds supported by fallback oracles and on-chain liquidity checks. These elements are intended to support accurate liquidations and operational stability during periods of market volatility.
With Phase 6 approaching full allocation at $0.035, availability is narrowing as the presale moves toward its next pricing stage. This progression has contributed to continued interest as Mutuum Finance advances toward its scheduled testnet release and broader ecosystem development.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralized finance project developing a dual‑track lending protocol that includes pooled smart‑contract lending and direct peer‑matched markets. Its ecosystem integrates the MUTM token into lending, borrowing and staking activities, with a V1 release planned for the Sepolia testnet as part of its ongoing development roadmap.
More information about Mutuum Finance (MUTM) is available on the project’s official channels:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance