DUBAI, United Arab Emirates, December 26, 2025 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM) has released more details on its development roadmap as it moves toward the next stage of its token distribution and prepares for the launch of its first protocol version.
The project positions itself as a new crypto focused on decentralized lending and borrowing, with an emphasis on structured risk management and long-term protocol sustainability. As we approach Phase 7, Mutuum Finance continues to outline how its core components should work once the platform becomes operational.
What Mutuum Finance builds
Mutuum Finance (MUTM) is developing a crypto DeFi protocol focused on lending and borrowing. The system is designed around two complementary loan markets that meet different user needs while sharing the same liquidity framework.
A marketplace allows users to supply assets to liquidity pools managed by protocols. In exchange, providers receive mtTokens, which represent their share of the pool. The value of these mtTokens increases over time as interest is earned from borrowers. Yield is reflected directly in the token balance, rather than through separate reward distributions.
Along with this structure, Mutuum Finance supports a direct borrowing model where users can borrow assets by providing collateral. Borrowing terms are influenced by market conditions and asset risk profiles.
Loan-to-value limits are applied to help manage exposure, and liquidation mechanisms are built in to maintain the protocol’s solvency if the value of collateral falls below required thresholds. By combining these two markets, Mutuum Finance aims to support both passive yield generation and active borrowing within the same system.
Interest rates and risk controls
The protocol’s interest rate model is based on usage. When a large portion of the assets provided are borrowed, interest rates rise. This encourages redemptions and attracts new deposits. When liquidity is abundant, rates stay lower to encourage borrowing activity.
In some cases, borrowers may have access to stable interest rates. These rates are calculated at the time of borrowing and are generally higher than variable rates, reflecting the benefit of predictability. Stable rates can be adjusted if market conditions change significantly, helping the protocol avoid imbalances.
Each supported asset is assigned specific risk parameters. These include loan-to-value ratios, liquidation thresholds, reserve factors and borrowing limits. More stable assets can support higher LTVs, while volatile or low-liquidity assets are limited to lower borrowing limits. These measures aim to reduce systemic risk and protect liquidity providers.
mtTokens play a central role in the Mutuum Finance ecosystem. They serve as proof of deposit and accumulate value as interest is earned. Users can hold mtTokens or stake them in designated modules to participate in protocol-level incentives.
V1 Launch Roadmap
According to statements shared on the project’s official X account, Mutuum Finance is developing its lending and borrowing protocol with V1 planned for deployment on the Sepolia testnet in Q4 2025. The initial release is expected to include liquidity pools, mtTokens, debt tokens, and an automated liquidator bot.
ETH and USDT are listed as the first supported assets for the use of lending, borrowing, and collateral. The testnet phase is intended to allow a more in-depth evaluation of the protocol’s performance before wider deployment.
Mutuum Finance also plans to introduce a multi-asset-backed stablecoin. The objective of this design is to allow borrowers to access stable liquidity while reducing the need for a single form of guarantee. Multi-asset support aims to improve resilience in volatile market conditions.
Layer 2 integration is part of the long-term roadmap. By operating on Layer 2 networks, the protocol aims to reduce transaction costs and improve execution speed. These upgrades are particularly relevant for lending platforms, where users can frequently interact with smart contracts.
Price accuracy is supported by a decentralized Oracle infrastructure. The design of Mutuum Finance foresees the use of Chainlink data feeds, as well as backup and aggregated sources. Reliable pricing data is essential for the collateral valuation and liquidation processes.
Presale Overview
Mutuum Finance began its token distribution in early 2025. The MUTM token launched at an initial price of $0.01 and progressed through several phases. The current price of the token stands at $0.035, reflecting a 250% increase since the first phase.
The total token supply is capped at 4 billion MUTM, with 45.5% allocated to presale, which equates to approximately 1.82 billion tokens. To date, 825 million tokens have been sold. The project reports $19.45 million raised and 18,650 holders. Phase 6 is now almost complete, with Phase 7 approaching as the next stage of distribution.
Mutuum Finance also runs a 24-hour leaderboard, which tracks participation and rewards the top daily contributor with MUTM tokens. Card payment options are available to support broader access.
Safety remains a central focus of the project. Mutuum Finance completed a CertiK audit with a token analysis score of 90/100, providing an initial assessment of the token contract design.
Furthermore, an independent audit is currently underway with Halborn Securitywhich reviews finalized loan and borrowing contracts. The project also announced a $50,000 bug bounty, aimed at identifying potential vulnerabilities before wider use.
Positioning in the DeFi market
As a new crypto, Mutuum Finance enters a competitive DeFi sector where lending protocols play a key role. The project’s focus on structured risk controls, Oracle integration and staged deployment reflects an attempt to align with established best practices.
While the launch of its V1 is scheduled for the fourth quarter of 2025 and phase 7 approaches, Mutuum Finance continues to define its roadmap while progressing in its development and distribution phases. As the protocol moves closer to testing and launch, further updates should provide more clarity on features and long-term goals.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
