Dubai, UAE, November 29th, 2025, Chainwire

Mutuum Finance has announced that its V1 decentralized lending protocol is scheduled for launch on the Sepolia Testnet in Q4 2025. The project reports that its full contract base is under review by Halborn Security, following the completion of a CertiK audit with a 90/100 Token Scan score.

Protocol Design and Architecture

Mutuum Finance is developing a decentralized lending system centered on yield-bearing mtTokens, structured borrowing tools, collateral parameters and liquidation mechanisms. The platform is designed to provide lending functions with transparent processes and defined borrowing terms.

The V1 testnet release is expected to include the liquidity pool, mtTokens, the liquidation bot and the debt-tracking token, with ETH and USDT planned as the initial supported assets.

Presale Participation and Allocation Status

The project began its offering in early 2025 at a price of $0.01. Within the current structure, the token is priced at $0.035, reflecting a 250% change from the initial phase. According to the project, approximately $19 million has been raised, and the holder count has reached about 18,200 participants.

Out of the 4 billion total supply, 1.82 billion tokens were designated for the presale. More than 800 million have been acquired, and Phase 6 is reported to be over 98% allocated, leaving a small remaining portion priced under $0.04.

Mutuum Finance also maintains a 24-hour leaderboard program that allocates MUTM rewards to the top daily contributor. The project states that direct card payments are supported, increasing accessibility during the later stages of the offering.

Platform Features and Token Mechanics

Mutuum Finance incorporates a model in which mtTokens increase in value as borrowers repay interest. The protocol also includes a buy-and-distribute mechanism: a portion of protocol revenue is used to purchase MUTM on the open market, and the acquired tokens are redistributed to participants who stake mtTokens in the safety module. These features link certain token flows to protocol usage.

The project’s risk management framework includes collateral requirements, LTV structures and automated liquidation processes. Planned integrations include Chainlink oracles, fallback pricing feeds and on-chain references to support accurate asset valuations and consistent platform operations.

Phase 6 Progress

Phase 6 allocation has advanced significantly and is reported to be more than 98% filled at the current $0.035 price. The project notes that allocation movement has been influenced by community activity, development updates and ongoing security reviews. Recent larger purchases, including a reported $115,000 allocation, have contributed to Phase 6 nearing completion.

Under the project’s sale structure, subsequent phases are scheduled to progress toward a planned launch price of $0.06.

Mutuum Finance continues to advance its decentralized lending protocol while its offering approaches the final stage of Phase 6. With reported funding of $19 million, a growing holder base, and multiple security audits underway, the project remains focused on its roadmap and the upcoming V1 testnet release planned for Q4 2025.

About Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a DeFi lending project developing a protocol with mtTokens, structured borrowing, collateral systems, liquidation mechanisms and oracle-based pricing tools. The project has completed a CertiK audit and engaged Halborn Security for further contract review as it advances toward a planned V1 deployment on the Sepolia testnet.

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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