Dubai, UAE, November 27th, 2025, FinanceWire
Mutuum Finance (MUTM), an emerging decentralized lending protocol, has confirmed that its V1 rollout is scheduled for Q4 2025, aligning with ongoing development progress and increasing presale activity. With Halborn Security now officially auditing the project’s smart contracts, the protocol is moving toward its testnet phase as investor participation continues to grow.
How Mutuum Finance Works: P2C and P2P Lending
Mutuum Finance is designed around two complementary lending systems:
- P2C (Peer-to-Contract) – Users deposit assets such as ETH or USDT into shared liquidity pools and receive mtTokens, which automatically gain redeemable value as interest builds in the pool.
- P2P (Peer-to-Peer) – Borrowers can create isolated lending positions for more volatile or niche tokens, including assets that may not be suitable for pooled markets.
This dual model supports both pooled lending and asset specific borrowing through non custodial smart contracts. Deposited assets generate mtTokens that increase in value over time and may later be staked in Mutuum Finance’s safety module to receive MUTM distributions. Borrowers can lock collateral, borrow stablecoins or other assets, and maintain market exposure through a structure similar to established decentralized lending systems with an emphasis on simplified mechanics.
An ongoing element of the ecosystem is Mutuum Finance’s buy and distribute approach, in which a portion of protocol revenue is used to acquire MUTM from the open market and allocate it to mtToken stakers. This framework is intended to connect platform activity with steady token demand.
Presale Progress and Phase Status
Mutuum Finance is approaching a transition point as Phase 6 nears full allocation, with the token priced at 0.035 USD and the stage approaching a 99 percent threshold. Once the remaining tokens are allocated, the presale will move to Phase 7, where the MUTM price adjusts to 0.04 USD in accordance with the project’s tiered pricing structure.
The presale has advanced consistently since early 2025, beginning at 0.01 USD in Phase 1 and rising to the current level. With the launch price set at 0.06 USD, the Phase 6 rate remains below the expected listing price, which has contributed to continued activity across recent phases.
Mutuum Finance has generated more than 19 million USD in presale funding and has exceeded 18200 token holders, reflecting ongoing interest from both early and recent participants. Activity has increased as Phase 6 approaches completion, reducing availability at the current rate.
To broaden accessibility, the team introduced the ability to purchase MUTM with debit and credit cards. This option has no purchase limits and streamlines participation for global users. Daily activity continues through a 24 hour leaderboard that tracks contributions and awards the leading participant with 500 USD worth of MUTM each cycle. This feature has supported consistent engagement as the transition to Phase 7 approaches.
Development Update and Testnet Schedule
Mutuum Finance recently confirmed that Halborn Security has begun auditing the project’s finalized smart contracts, marking a major step before public testing. Only confirmed details were shared: Halborn is conducting a full security review, and the team will announce the precise testnet window once the audit progresses.
The V1 protocol is scheduled to go live on the Sepolia testnet in Q4 2025, introducing the platform’s core components, including liquidity pools, mtTokens, collateral rules, interest models, and support for ETH and USDT at launch.
According to the roadmap, Mutuum Finance is in Phase 2 of development. Phase 1 is complete, and Phase 2 covers protocol engineering, infrastructure, the dApp interface, and configuration of risk parameters. As the project moves toward Phase 3 and Phase 4, the target is to release the full platform near the time MUTM becomes tradable.
Launching an operational product alongside the token may increase visibility among listing platforms, as projects with functional utility at launch often receive broader consideration.
With Phase 6 nearing full allocation and a price adjustment approaching, Mutuum Finance is entering a significant point in its presale timeline. The ongoing Halborn audit, confirmation of the Q4 2025 testnet, and continued roadmap progress support the protocol’s advancement toward full platform release.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol built around non-custodial smart contracts, mtToken yield mechanics, dual lending markets (P2C and P2P), and a roadmap leading to a Q4 2025 testnet release. The project has completed a CertiK audit, is currently under review by Halborn Security, and is developing features such as an over-collateralized stablecoin and a buy-and-distribute revenue model designed to support long-term token utility.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance