Dubai, UAE, November 30th, 2025, Chainwire

Mutuum Finance (MUTM) has provided an update on the development of its decentralized lending and borrowing protocol, confirming that V1 is planned for deployment on the Sepolia testnet in Q4 2025. The project reports ongoing technical review processes alongside continued advancement of its multi-phase token offering.

Protocol Overview

Mutuum Finance is developing a decentralized lending framework centered on functional lending mechanics and transparent yield systems. The platform incorporates mtTokens for interest-linked yield, automated liquidation processes, structured collateral models and borrowing mechanisms intended to operate consistently under varying market conditions.

When assets are supplied to the protocol, mtTokens are issued to represent the position and are designed to increase in value as borrowers repay interest. This approach links yield to lending activity within the system rather than inflation-based issuance models.

According to the project’s official X account, the V1 release will include the liquidity pool, mtTokens, the debt-token system and the liquidation bot, with ETH and USDT set as initial supported assets.

Halborn Security is reviewing the finalized smart contract code, and the project has completed a CertiK audit with a 90/100 Token Scan score.

Presale Progress and Community Engagement

The presale launched in early 2025 at $0.01. Within the offering structure, MUTM is currently priced at $0.035, which reflects a reported 250% change from the opening phase. The project states that it has raised more than $19 million and that its holder base has grown to approximately 18,200 participants.

Of the 4 billion total MUTM supply, 1.82 billion tokens (45.5%) are allocated to the offering. More than 800 million tokens have been acquired across earlier phases, and Phase 6 is reported to be over 95% allocated.

Mutuum Finance maintains a 24-hour leaderboard program that allocates $500 in MUTM to the top daily contributor. Direct card payment options are also available within the offering process.

Token Allocation Framework and Platform Development

The project’s allocation structure and participation mechanisms have supported the progression of the offering. Mutuum Finance’s technical roadmap includes mtToken-based yield structures, collateral models and automated liquidation processes intended to reinforce the lending environment.

The team is also preparing a USD-pegged stablecoin to be minted and burned on demand, with associated interest directed to the Mutuum Treasury. Pricing infrastructure under development includes Chainlink oracles, fallback feeds and on-chain pricing references designed to support accurate valuations during borrowing and liquidation events.

Phase 6 Status

Phase 6 remains in progress and is reported to be more than 95% allocated at the current $0.035 price level. The project notes that allocation movement in this phase reflects continued participation ahead of the planned V1 testnet release.

Mutuum Finance continues to advance its decentralized lending protocol, supported by mtToken mechanics, stablecoin planning, oracle integration and multiple security reviews. With $19 million raised, approximately 18,200 holders and a scheduled Q4 2025 V1 testnet launch, the project reports ongoing progress across its offering and development roadmap.

About Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a DeFi lending project developing a protocol that integrates mtTokens, collateral systems, borrowing models, automated liquidations and oracle-based pricing tools. The project has completed a CertiK audit, with Halborn Security currently reviewing its smart contract base, and is preparing for a planned V1 deployment on the Sepolia testnet 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

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