Dubai, UAE, November 27th, 2025, Chainwire

Mutuum Finance (MUTM) is progressing through its presale phases as the token remains priced at $0.035. Participation has continued across recent stages, and Phase 6 is now nearing completion with approximately 5 percent of its remaining allocation. The token has recorded a 250 percent increase since the presale began at $0.01 in early 2025.

The project is building a decentralized lending and borrowing system designed to support structured and transparent liquidity management. The protocol centers on a dual lending model that allows users to supply assets and borrow against collateral within predefined risk parameters.

mtTokens represent deposit receipts that adjust in value as borrowers repay interest, enabling participants to track yield automatically without manual position management. The protocol also incorporates collateral rules, liquidation mechanisms, and pricing tools intended to help maintain system stability.

V1 Launch and Halborn Security 

The Mutuum Finance team confirmed on its official X account that the V1 protocol is in its final review stage. The code is complete. Halborn Security is now performing a formal audit on all core lending and borrowing contracts. The team also stated that the testnet launch window will be confirmed soon.

The first version of the protocol will bring the liquidity pool online, enable mtTokens for yield, introduce the debt-tracking token, activate the liquidation bot, and add ETH and USDT as the first supported assets. A functional version of the DeFi lending engine provides the token with an initial use case at launch.

24 Hour Board and Second Price Model

The mtTokens system allows lenders to earn yield based on activity in the liquidity pool. When assets enter the pool, mtTokens are minted, and when assets leave, mtTokens are burned. This establishes a transparent structure in which yield reflects actual lending activity rather than external rewards.

The buy and distribute model is another component of the protocol. A portion of protocol revenue will be used to purchase MUTM on the open market, and these tokens will be distributed to the Safety Module for mtToken stakers. This mechanism channels rewards back into the ecosystem over time.

The 24 Hour Leaderboard also increases activity. Each day, the top buyer receives $500 in MUTM, which has contributed to continued participation in the presale.

Stablecoin and Layer 2 

Mutuum Finance is preparing to introduce a USD-pegged stablecoin that will interact directly with the lending engine. Interest associated with stablecoin borrowing will support the protocol treasury as part of the broader economic structure.

The team is also planning a future Layer-2 expansion. A Layer-2 environment can reduce fees, speed up settlement times, and enable additional features, lending markets, and liquidity options across the platform.

These developments are aimed at establishing a more complete DeFi ecosystem as the protocol evolves and advances toward its next stages.

Market Activity and Current Presale Status

Only approximately 5 percent of Phase 6 tokens remain available at $0.035. The remaining allocation has continued to decrease as participation progresses, including several larger entries—one of which exceeded $100,000—contributing to the reduction of the remaining supply.

With a limited portion of tokens available under $0.04, Phase 6 is nearing transition into the next pricing stage. The presale price is currently $0.035, while the planned listing price is set at $0.06.

Mutuum Finance is entering a significant period in its development as the protocol approaches its V1 testnet release, its audit review advances, and the presale moves toward completion. Core components—including mtTokens, the buy-and-distribute model, the planned stablecoin, and Layer-2 expansion—form key elements of the long-term roadmap as the project prepares for its next milestones.

About Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a decentralized lending protocol designed to simplify on-chain borrowing and yield generation. The platform combines pooled lending markets with a P2P lending layer, using mtTokens as interest-accruing receipts that grow in value as borrowers repay loans. Mutuum is progressing through its development roadmap with the V1 testnet scheduled for Q4 2025, and its smart contracts are undergoing a full review by Halborn Security following an earlier audit by CertiK. With additional features such as an upcoming USD-pegged stablecoin, a buy-and-distribute revenue system, and long-term plans for Layer-2 expansion, Mutuum Finance aims to provide a comprehensive and scalable DeFi ecosystem as it moves toward full platform launch.

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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