Dubai, UAE, November 29th, 2025, FinanceWire
Mutuum Finance (MUTM) is approaching a key presale milestone, with Phase 6 now nearing a 99% sellout and the token priced at $0.035 ahead of an automatic 20% increase. The project continues to progress through its structured presale stages as it moves toward its next scheduled price update and upcoming development milestones.
Presale Activity Strengthens as Price Shift Approaches
Mutuum Finance opened its presale in early 2025 at $0.01, and the token has advanced steadily across each structured phase to reach the current $0.035 valuation—reflecting a 250% increase since its earliest tier. With the official launch price set at $0.06, the token stands nearly 2x below its projected listing level, a price gap that has contributed to heightened traction as Phase 6 approaches its end.
More than $19 million has been raised to date, and the project now counts over 18,200 holders, placing Mutuum Finance among the more active DeFi presales of the year. As Phase 6 closes in on full allocation, availability at the current price is narrowing.
V1 Protocol Testnet Planned for Q4 2025
Mutuum Finance recently confirmed through its official X account that the V1 protocol is scheduled for a Q4 2025 testnet release on Sepolia. This initial version will introduce the protocol’s fundamental architecture, including:
- the primary liquidity pool,
- mtTokens for yield accumulation,
- the debt-tracking token system,
- automated liquidation tools, and
- support for ETH and USDT at launch.
This development marks the project’s transition from presale-phase momentum toward functional deployment, providing early visibility into how the ecosystem will operate post-launch.
How Mutuum Finance Works
Mutuum Finance is designed around two integrated lending systems that provide users with different ways to interact with the protocol:
- P2C (Peer-to-Contract)
Users deposit assets into shared liquidity pools and receive mtTokens, which gradually increase in redeemable value as lending activity grows. This system automatically adjusts yields based on utilization, removing complexity from the user experience while ensuring efficient pool behavior.
- P2P (Peer-to-Peer)
The protocol also supports isolated lending arrangements for assets that may not suit pooled environments. This flexibility allows borrowers and lenders to create direct agreements based on individual risk preferences. Tokens such as Shiba Inu (SHIB) or Dogecoin (DOGE)—often too volatile for traditional pools—can be utilized in these isolated markets without affecting the stability of the broader system.
Together, these structures aim to create a flexible, user-driven lending environment that adapts to different asset types and risk profiles.
Platform Launch Expected to Align With Token Release
According to the roadmap, Mutuum Finance intends to launch its live platform around the same time the token goes public. This combined rollout may support early visibility on exchanges, as platforms with operational products often attract stronger attention during listing evaluations. Aligning token and platform availability also offers users immediate access to the utility instead of waiting for development to catch up.
A key component of Mutuum’s economic framework is its buy-and-distribute model, in which a portion of platform revenue is used to purchase MUTM from the open market. These purchased tokens are redistributed to users who stake their mtTokens, linking rewards directly to protocol activity.
This structure is designed to generate recurring buy pressure and support long-term sustainability, creating an incentive structure that directly aligns user participation with platform growth.
Security Update: Halborn Audit in Progress
The team recently confirmed that Halborn Security is conducting a full audit of the finalized lending and borrowing contracts. This review follows Mutuum’s earlier CertiK audit and serves as an additional assurance step ahead of the Q4 2025 testnet. The team has stated it will share further updates once the audit progresses significantly.
Mutuum Finance’s presale engagement is additionally supported by a 24-hour leaderboard, where the top daily contributor receives $500 worth of MUTM. This system has kept participation active during the final stages of Phase 6, particularly as the remaining allocation tightens.
As Phase 6 moves toward 99% completion, Mutuum Finance is preparing for the price transition to $0.04, continuing its steady progression through the presale phases. With development advancing, the V1 protocol scheduled for Q4 2025, security audits underway, and strong user activity, the project is approaching a pivotal stage as it moves toward launch.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralized lending protocol that enables users to lend, borrow, and earn yield through non-custodial smart contracts. The platform combines P2C and P2P lending markets, provides mtTokens for yield accumulation, and includes a roadmap leading to its Q4 2025 V1 testnet. Backed by a completed CertiK audit and an ongoing Halborn review, Mutuum Finance aims to deliver a structured, user-focused DeFi ecosystem as it moves toward full platform deployment.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance