DUBAI, United Arab Emirates, December 31, 2025 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM) is a new crypto project focused on decentralized lending and borrowing. Since its last update, the project has entered phase 7 of its token presale and continues to share details on protocol development, security reviews, and long-term infrastructure plans. This article provides a neutral overview of what Mutuum Finance is building and the current status of the project.
What is Mutuum Finance (MUTM)
Mutuum Finance is a DeFi crypto protocol designed to support lending and borrowing across two distinct markets. The aim is to provide users with flexible access to liquidity while maintaining structured risk controls.
The first marketplace is a peer-to-contract model. In this setup, users contribute assets into shared liquidity pools. In return, they receive mtTokens, which represent their position in the pool. The value of these mtTokens increases as the interest paid by borrowers accumulates. This approach allows providers to generate revenue without actively managing individual loans.
The second marketplace is a peer-to-peer model. Here, users can borrow assets directly against posted collateral. Borrowers can choose between variable interest rates that adjust to market demand or stable rates designed to provide more predictable repayment costs. Loan-to-value limits and liquidation thresholds are used to manage risk if the value of collateral declines. Together, these two markets form the core of Mutuum Finance’s loan design.
Development of protocols and launch plans for V1
According to official statements shared by the team on X, Mutuum Finance is preparing Version 1 of its lending and borrowing protocol. Version V1 is planned as a beta deployment on the Sepolia testnet. This phase will allow users to interact with the protocol using initial assets such as ETH and USDT.
The scope of V1 includes core components such as liquidity pools, mtTokens, debt tokens, and automated liquidation mechanisms. The testnet phase aims to validate system behavior, interest rate models and collateral management before any wider deployment.
Security was a key objective during development. Mutuum Finance carried out a review with Halborn Security, who analyzed smart contract lending and borrowing. The code has been finalized and reviewed through formal security processes, and additional updates are expected as testing progresses.
At the same time, the MUTM token received a score of 90/100 in CertiK’s Token Scan. This score reflects controls related to token structure, transparency and contract configuration. The project also announced a $50,000 bug bounty program aimed at identifying potential vulnerabilities in the codebase. These measures aim to reduce technical risk as the protocol moves closer to public testing.
Stablecoin and Layer 2 Infrastructure Plans
Stablecoins play an important role in the design of Mutuum Finance. Lending and borrowing with stablecoins can reduce exposure to price volatility and support more predictable activity levels. The protocol plans to support stablecoin markets as part of its core offering.
Mutuum Finance is also considering Layer 2 solutions as part of its long-term infrastructure roadmap. Layer 2 networks can reduce transaction costs and improve execution speed, which can be important for frequent interactions such as interest updates and liquidations. Although specific networks have not been finalized, the roadmap reflects the intention to remain compatible with scaling solutions within the Ethereum ecosystem.
Accurate pricing is essential for any lending protocol. The design of Mutuum Finance provides for the use of decentralized Oracle systems to determine asset prices. The roadmap references the potential use of Chainlink price feeds, as well as backup data sources and aggregated feeds.
Presale Status and Token Distribution
Mutuum Finance’s token presale began in early 2025 and progressed through several phases. The project is currently in phase 7. The price of the MUTM token has gradually increased over the phases, from $0.01 in phase 1 to around $0.04 at the current stage.
To date, Mutuum Finance reports that $19.5 million has been raised, with approximately 18,700 holders participating. A total of 820 million tokens have been sold so far. The overall token supply is set at 4B MUTM, of which 45.5% is allocated for pre-sale distribution.
In addition to the pre-sale, Mutuum Finance runs a 24-hour leaderboard that rewards the top daily contributor with $500 in MUTM. This feature is designed to encourage ongoing participation rather than a one-time activity. The project also supports card payments for MUTM purchases, which can simplify access for users who prefer not to use on-chain exchanges.
Position in the DeFi world
Mutuum Finance (MUTM) is a new crypto project building a decentralized lending and borrowing protocol with peer-to-contract and peer-to-peer marketplaces. The project has reached phase 7 of its presale, completed security reviews with Halborn Security and achieved a CertiK Token Scan score of 90/100.
With plans for launching a V1 testnet on Sepolia, stablecoin integration, Oracle-based pricing, and future Layer 2 compatibility, Mutuum Finance continues to define its technical direction. As development advances, the next phase will be focused on testing, user interaction, and perfecting infrastructure within the DeFi crypto space.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
