Final Allocation Shrinks as Mutuum Finance Approaches the Last 5% of Phase 6 Ahead of Price Adjustment
Dubai, UAE, November 30th, 2025, Chainwire
Mutuum Finance (MUTM) has provided an update on the development of its decentralized lending protocol, confirming that V1 is planned for deployment on the Sepolia testnet in Q4 2025. The project reports ongoing work on lending systems, collateral frameworks and smart contract auditing as its offering advances through Phase 6.
Protocol Design and Lending Framework
Mutuum Finance is building a decentralized lending and borrowing protocol centered on structured collateral systems, defined interest models, pricing tools and automated liquidation mechanisms. The dual-lending structure is designed to support both pooled and peer-matched borrowing interactions.
mtTokens are integral to the protocol’s yield mechanics. When assets are supplied to the platform, mtTokens are issued and are intended to increase in value as borrowers repay interest. This structure connects yield to protocol activity rather than inflation-based distribution.
According to the project’s official X account, the V1 release will introduce the liquidity pool, mtToken system, the liquidation bot and the debt-tracking token, with ETH and USDT expected to be supported at launch.
Security remains a central component of development. Mutuum Finance has completed a CertiK audit with a 90/100 Token Scan score, and Halborn Security is reviewing the finalized smart contract code.
Presale Progress and Allocation Structure
The presale began in early 2025 at an initial price of $0.01 and is currently priced at $0.035 within the offering structure. The project reports raising $19 million and reaching approximately 18,200 holders.
Of the total 4 billion-token supply, 1.82 billion tokens were allocated to the offering. More than 800 million tokens have been acquired across earlier phases, and Phase 6 is reported to be entering its final 5%.
Community programs include a 24-hour leaderboard that awards $500 in MUTM to the top daily contributor. Direct card payment support is offered as an additional participation method.
Token Utility and Platform Development
Mutuum Finance incorporates a buy-and-distribute mechanism, under which a portion of protocol revenue is used to purchase MUTM on the open market. Tokens acquired through this process are redistributed to participants who stake mtTokens in the safety module. This model forms part of the project’s long-term token flow framework.
The roadmap includes a native USD-pegged stablecoin designed to be minted and burned on demand, with interest routed to the Mutuum Treasury. Plans for future layer-2 expansion are also in development to support lower-cost transactions and broader ecosystem functionality.
The platform’s pricing infrastructure is expected to integrate Chainlink oracles, fallback data sources and on-chain pricing averages to support accurate valuations during borrowing and liquidation events.
Phase 6 Update
Phase 6 allocation is reported at approximately 95% at the current $0.035 price level. The project notes that activity within this phase continues as the offering moves toward its next scheduled price level outlined in the sale structure.
Mutuum Finance continues to progress through its presale and development roadmap, with work underway on lending mechanics, stablecoin development, oracle integration, security audits and the planned V1 testnet deployment in Q4 2025.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a DeFi lending project developing a protocol that includes mtTokens, structured borrowing tools, collateral frameworks, liquidation systems and oracle-based pricing feeds. The project has completed a CertiK audit and is undergoing further contract review by Halborn Security as it prepares for a planned V1 testnet launch in Q4 2025.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance