Mutuum Finance Reports $0.035 Phase Status Following Updated Roadmap and Audit Progress
Dubai, UAE, November 29th, 2025, Chainwire
Mutuum Finance (MUTM) has announced continued progress on its decentralized lending protocol, confirming that V1 is scheduled for a Sepolia testnet release in Q4 2025. The protocol has completed its initial audit phase and is moving through additional security review as the offering reaches its later stages.
Lending System Design
Mutuum Finance is developing a decentralized lending ecosystem built around two models: Peer-to-Contract and Peer-to-Peer. These systems are structured to support a range of borrowing and supplying interactions within the protocol.
In the Peer-to-Contract model, participants supply assets to the protocol and receive mtTokens, which are intended to increase in value as borrowers repay interest. This structure is designed to reflect lending activity within the platform.
The Peer-to-Peer model enables borrowers to select between variable or stable rates. Loan-to-value parameters guide borrowing limits, with lower-volatility assets typically supporting higher LTVs and more volatile assets using lower ratios. Liquidation mechanisms allow discounted collateral purchases when loan health declines, supporting the protocol’s balance and risk management approach.
Offering Structure and Participation
The offering began in early 2025 at $0.01. The current price is $0.035, representing a 250% change from the initial phase. According to project information, Mutuum Finance has raised $19 million, with approximately 18,200 holders participating. Out of the total 4 billion token supply, 1.82 billion tokens are allocated to the presale, and more than 800 million have been acquired. Phase 6 is progressing toward completion, with a reported increase in participation as available allocation narrows.
V1 Release and Security Measures
According to the project’s official X account, V1 is expected to launch on the Sepolia testnet in Q4 2025. The initial version will include the liquidity pool, mtTokens, the liquidation bot and the debt-tracking token, with ETH and USDT supported at launch.
Security remains a stated priority. Mutuum Finance has completed a CertiK audit with a 90/100 Token Scan score, and Halborn Security is reviewing the lending and borrowing contracts. This multi-layer audit process is intended to support secure deployment as the platform moves toward its V1 release.
mtToken Functions and Revenue Mechanics
mtTokens function as interest-linked receipts intended to increase in value alongside lending activity within the protocol. The buy-and-distribute mechanism allocates a portion of protocol revenue to purchasing MUTM on the open market, with acquired tokens redistributed to participants who stake mtTokens in the safety module. According to the project, this creates a recurring token flow tied to protocol usage.
Mutuum Finance plans to incorporate Chainlink oracles as well as fallback feeds and on-chain pricing tools. These systems are intended to support accurate valuations during borrowing and liquidations and help maintain platform consistency during variable market conditions.
Roadmap and Ongoing Development
The project’s roadmap includes continued work on lending functions, liquidation mechanisms, safety tools and a USD-pegged stablecoin designed to route interest to the Mutuum Treasury. These elements contribute to the platform’s long-term structure as development moves toward the planned V1 testnet release.
Phase 6 of the offering is progressing, with a remaining portion of tokens available at the current $0.035 price level. Under the project’s sale structure, future phases are scheduled to move the offering toward a $0.06 launch price.
Mutuum Finance is developing a DeFi lending protocol with dual lending structures, mtToken-based mechanics, multiple security reviews and a planned V1 release on the Sepolia testnet in Q4 2025. With $19 million raised and thousands of holders participating, the project continues to advance through its outlined development roadmap.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a DeFi project developing a lending and borrowing protocol featuring mtTokens, liquidation systems, oracle-based pricing tools and a multi-phase token offering. The project has completed a CertiK audit and engaged Halborn Security for contract review. Its roadmap includes a USD-pegged stablecoin and a planned V1 deployment on the Sepolia testnet.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance