Dubai, UAE, November 30th, 2025, Chainwire

Mutuum Finance (MUTM) is developing a decentralized lending platform focused on practical utility through two lending models. The protocol centers on structured collateral systems, predictable interest mechanics and yield generation through mtTokens. As participation expands, the project notes increased monitoring from observers of early-stage DeFi developments.

Presale Status

The total supply for MUTM is projected at 4 billion tokens. Approximately $19 million has been raised, and more than 18,300 holders are participating across all phases.

Phase 6 is priced at $0.035 with 170 million tokens allocated, and more than 95% of this allocation is reported as filled. The planned Phase 7 price is $0.040, a 20% increase under the offering structure.

Mutuum Finance has finalized its lending and borrowing contracts, which are currently under review by Halborn Security. This audit includes formal inspection of the codebase to assess readiness for deployment.

The project also operates a daily leaderboard that resets at 00:00 UTC. Participants completing at least one transaction within a 24-hour period are included in the ranking structure, with 500 MUTM awarded to the top participant each day.

Lending Model Structure

Peer-to-Contract (P2C) Model

Depositors receive mtTokens representing their supplied assets. mtTokens are intended to reflect both principal and accumulated yield, with interest rates adjusting according to utilization.

Borrowing functions are based on collateralized positions. Loan-to-value ratios vary depending on asset volatility. Liquidation mechanisms allow third-party liquidators to resolve undercollateralized positions, and reserve factors range from 10% to 55% based on asset-specific risk parameters.

Peer-to-Peer (P2P) Model

The P2P system supports individual lending agreements for assets with higher variability. Lenders set specific terms and rates, isolating higher-risk assets from core liquidity pools while preserving structured borrowing opportunities.

These combined mechanisms are designed to maintain a balanced lending environment with controls intended to support system reliability during shifting market conditions.

Development Roadmap

Mutuum Finance incorporates a buy-and-distribute mechanism in which a portion of protocol revenue purchases MUTM on the open market. MUTM purchased on the open market is redistributed to mtToken stakers in the safety module, aligning certain token flows with protocol activity.

The project intends to release the first protocol version alongside the token listing, enabling testing of core lending modules immediately at launch.

Phase 6 currently stands at approximately 95% allocation at the $0.035 price level. Under the current offering structure, Phase 7 is scheduled to proceed at $0.040.

Project Outlook

Mutuum Finance reports continued movement across its presale, protocol development and audit processes. With revenue-based token flows, lending models, Halborn’s code review and a planned V1 rollout, the project remains in an active development phase as it progresses toward Phase 7 of its offering.

About Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a DeFi lending project developing a protocol centered on mtTokens, borrowing frameworks, collateralized lending, and oracle-supported pricing. The project has completed contract development and is undergoing further review by Halborn Security in preparation for its planned V1 testnet release.

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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