The crypto market often reacts quickly when a new crypto project combines structure, transparency, and a clear growth path. Mutuum Finance (MUTM) is starting to stand out for these reasons. As investors scan crypto charts for early-stage opportunities with defined fundamentals, Mutuum Finance (MUTM) is attracting attention during its ongoing presale Phase 6, where participation continues to build at a steady pace.
Mutuum Finance (MUTM)’s Presale and Lending Models
Mutuum Finance (MUTM) has a fixed total supply of 4 billion tokens, with 45.5% allocated to the presale, equal to around 1.82 billion tokens. The presale began in early 2025 at a starting price of $0.01 and followed a phased structure where prices increased gradually by 10% to 20% per phase. This model was designed to reward early participation while avoiding sudden price jumps. Phase 6 is now 98% concluded at a token price of $0.035 and is almost fully allocated. Data shows that more than 18,600 holders have already taken part across the presale phases, supported by both crypto and card payment options that widened access. With Phase 6 nearing completion, the next steps in token distribution will follow the roadmap outlined by the project.
Mutuum Finance (MUTM) is built around a dual lending system that is designed to support both peer-to-contract and peer-to-peer markets. In the peer-to-contract model, users will be able to supply assets into shared liquidity pools and earn interest generated by borrowers. In parallel, the peer-to-peer model will allow direct agreements between lenders and borrowers, opening the door for assets that are not always supported in traditional pooled systems. This dual structure is designed to improve capital efficiency, increase flexibility, and support a broader range of assets. By serving both lending styles within one protocol, Mutuum Finance (MUTM) aims to create a balanced ecosystem where liquidity remains active rather than idle, reinforcing the utility of the MUTM token.
A Measured Rollout Focused on Infrastructure and Trust
Mutuum Finance (MUTM) has confirmed through its official X account that the V1 of its protocol is set to launch on the Sepolia Testnet in Q4 2025. This first-stage release will introduce the platform’s core infrastructure, including the liquidity pool framework, mtToken and debt-token systems, and an automated liquidation bot designed to protect collateral and keep operations running smoothly. During this phase, users will be able to engage in lending and borrowing using ETH or USDT as collateral. Launching on a testnet before mainnet is expected to allow early interaction, enhance transparency, and encourage community feedback. This approach is structured to build confidence and engagement while supporting sustained demand for the MUTM token over time.
Security has also been placed at the center of this rollout. The team has announced that an independent audit by Halborn Security is reviewing Mutuum Finance (MUTM)’s lending and borrowing smart contracts. With the code finalized, this process is designed to identify vulnerabilities, verify correct behavior, and strengthen overall reliability. A professionally validated audit framework reduces risk, reinforces trust, and supports the long-term credibility of the protocol as it progresses toward full deployment.
$1 Pegged Stablecoin & Price Discovery Shaping Long-Term Demand
One of the strongest growth drivers for Mutuum Finance (MUTM) will be its decentralized stablecoin design. The stablecoin will always aim to maintain a value of $1 and will only be minted when users borrow against collateral such as ETH. When loans are repaid or liquidated, the stablecoin will be burned, keeping supply aligned with real borrowing activity. Only approved issuers will be able to mint the stablecoin, and each issuer will operate under defined limits to control risk. Interest rates will be governed by the protocol, adjusting in ways that support price stability rather than reacting purely to market pressure. Arbitrage activity will naturally reinforce this system by pushing the price back toward $1 whenever it moves above or below its target.
All loans will be overcollateralized and subject to automatic liquidation, ensuring system safety. This structure turns idle collateral into an active resource while preserving value over time. By anchoring both peer-to-contract and peer-to-peer lending markets, the stablecoin will help keep liquidity circulating within the Mutuum ecosystem. As stablecoins remain a core component of decentralized finance, a secure and overcollateralized model is positioned to generate consistent borrowing activity, reinforcing demand for MUTM.
Another key driver is price discovery and valuation accuracy. Mutuum Finance (MUTM) is designed to rely on robust oracle infrastructure, with plans centered around Chainlink data feeds for fair and timely asset pricing. These feeds can return values based on USD and native blockchain assets, supporting multi-chain expansion. The roadmap also accounts for fallback oracles to prevent outages, aggregated feeds to reduce reliance on a single data source, and on-chain metrics such as time-weighted average prices from decentralized exchanges when sufficient liquidity exists. Accurate pricing reduces the risk of erroneous liquidations and manipulation, encouraging larger and longer-term participation. As borrowing and lending activity grows under reliable pricing conditions, fee generation and treasury strength are expected to expand, feeding directly into MUTM’s economic use within the protocol.
The logical cycle is clear and reinforcing. Reliable pricing supports safe lending. Safe lending increases user confidence. Higher confidence leads to greater participation. Increased participation drives borrowing, lending, and fee generation. Those fees strengthen the ecosystem and reinforce the role of MUTM at the center of protocol activity. This cycle aligns infrastructure, security, and token utility into a single demand-driven system that investors often look for when studying crypto charts for emerging opportunities.
Mutuum Finance (MUTM) is positioning itself as a structured and forward-focused new crypto project at a time when clarity and planning matter. With Phase 6 already 98% sold out at $0.035, momentum is clearly building. The next presale phase will raise the token price by 15% to $0.040, making the current phase the final window to access MUTM at its present discounted level. For investors tracking new crypto opportunities with defined infrastructure, security validation, and multiple demand drivers, Mutuum Finance (MUTM) stands out as a project that is steadily converting early interest into long-term participation.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
