Dubai, UAE, December 2nd, 2025, FinanceWire
Mutuum Finance (MUTM), a decentralized lending and borrowing protocol currently in development, has passed the $19.1 million funding mark as its token presale enters the final allocation window of Phase 6. With demand pushing this stage beyond 95% completion, the project is approaching a key transition point in its token sale structure.
Phase 6 Presale Nears Completion
Mutuum Finance is now in Phase 6 of its presale, where the MUTM token is priced at $0.035. According to the project’s tokenomics, the planned launch price is $0.06, placing the current phase at nearly 2x below the price at which the token is expected to list.
From its initial Phase 1 price of $0.01, MUTM has already risen significantly through its earlier stages, reflecting steady demand as each tier sold through. With Phase 6 already over 95% sold out, the presale is close to automatically moving into Phase 7, where the price will increase by 20%, from $0.035 to $0.04.
MUTM has a total supply of 4 billion tokens, with 1.82 billion—equivalent to 45.5% of the total—allocated specifically for the presale. This design gives early participants access to a substantial share of the supply before secondary markets open.
Out of this presale allocation, more than 800 million tokens have already been acquired across earlier phases, meaning a large portion of the presale pool is now in the hands of early supporters. As Phase 6 advances through its last allocation segment, remaining availability at the current price continues to narrow.
The project’s presale has now reached over $19.1 million raised, placing Mutuum Finance among the more sizable token fundraising efforts within the DeFi segment this year.
Alongside the capital raised, the community has expanded to over 18,300 holders, indicating a broad base of participants rather than a small number of concentrated wallets. This combination of funding and holder growth has contributed to the project’s visibility as it moves closer to its next major technical milestone.
Mutuum Finance Platform Overview
Mutuum Finance is developing a non-custodial DeFi lending and borrowing protocol where all core functions—deposits, loans, interest, and liquidations—are run by smart contracts rather than centralized intermediaries.
The platform is designed around two complementary layers:
- Pooled lending (Peer-to-Contract) – Users supply assets such as ETH or stablecoins into shared liquidity pools and receive mtTokens in return. These mtTokens are interest-bearing receipts that increase in redeemable value as borrowers pay interest into the protocol.
- Isolated lending (Peer-to-Peer) – Users will be able to create tailored lending markets for more volatile or niche assets, including tokens like Shiba Inu (SHIB) or Dogecoin (DOGE), without affecting the main liquidity pools.
This structure aims to balance flexibility for different asset types with stable risk management at the protocol level.
Mutuum’s economic model also includes a buy-and-distribute mechanism, where a portion of protocol revenue is used to purchase MUTM on the open market and distribute it to mtToken stakers in the safety module. This design connects token demand with actual platform usage.
Future Development and Next Steps
On the development side, Mutuum Finance has confirmed that it is working toward a V1 protocol launch on the Sepolia testnet in Q4 2025. The first version is expected to introduce:
- The core lending pool
- mtToken issuance and redemption
- Debt tracking for borrowers
- An automated liquidation bot
- Initial support for ETH and USDT
Security remains a central focus. The team has completed an audit with CertiK and has announced that Halborn Security is currently reviewing Mutuum’s lending and borrowing contracts. The codebase has been finalized and placed under formal analysis, with the team stating that it will provide regular updates and confirm the precise testnet launch window as the audit progresses.
Longer term, the roadmap includes an on-demand USD-pegged stablecoin, Layer-2 expansion to reduce costs and improve speed, and broader asset support across both pooled and P2P markets.
With $19.1 million raised, over 18,300 holders, and Phase 6 now in its final allocation window above 95% completion, Mutuum Finance is approaching a pivotal point in its presale. The upcoming 20% price increase in Phase 7, combined with ongoing audits and the planned Q4 2025 V1 testnet release, positions the project at the intersection of advancing development and tightening token availability at the current price.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol focused on providing transparent, non-custodial access to crypto liquidity. The platform combines pooled lending markets with isolated P2P lending, using mtTokens as interest-bearing receipts that grow alongside protocol activity. Supported by a completed CertiK audit and an ongoing review by Halborn Security, Mutuum Finance is preparing for its V1 testnet launch on Sepolia in Q4 2025. The project’s roadmap includes stablecoin integration, Layer-2 deployment, and a revenue-backed buy-and-distribute mechanism designed to align long-term token demand with real platform usage.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance