DUBAI, United Arab Emirates, December 18, 2025 (GLOBE NEWSWIRE) — Development updates often arrive quietly before major transitions. Teams strengthen processes, review code, and prepare systems for the next stage of cryptography. For DeFi projects, these moments are important because they tend to arrive just before broader visibility increases.
Mutuum Finance (MUTM) entered this phase. The project has confirmed that its security review with Halborn Security is ongoing as it prepares to move beyond its current allocation milestone. Although the update itself is technical, the timing has caught the attention of observers who follow new crypto projects whose momentum is about to change.
What Mutuum Finance builds
Mutuum Finance is a DeFi crypto protocol focused on decentralized lending and borrowing. Its goal is to create a system in which users can supply assets, earn a return and borrow against collateral using rules that respond to real market demand.
The platform is built around a dual lending structure. Capital can flow into loan pools where interest adjusts based on usage, while borrowers access funds within defined risk parameters. Collateral requirements, loan-to-value limits, and liquidation thresholds are designed to keep the system in balance as prices change.
A central feature of this design is mtTokens. When users provide assets, they receive mtTokens which represent their position. The value of these tokens increases as interest increases, directly linking returns to protocol activity rather than fixed rewards.
This approach allowed Mutuum Finance to attract early participation. Since the start of 2025, the project has raised approximately $19.4 million and has more than 18,500 holders. These numbers suggest steady adoption rather than short-term spikes, which many market commentators view as a healthier signal for a prominent crypto project still in development.
Token Price and Early Growth
The MUTM token follows a progressive distribution model. The presale began in early 2025 with a starting price of $0.01. Since then, the token has achieved several milestones, reaching a current price of $0.035 in phase 6.
This progression represents an increase of 250% compared to the initial phase. The ramp-up has been gradual and structured, with each phase offering a fixed allocation at a higher price. Phase 6 is now over 99% allocated, indicating that remaining access to this level is limited.
Alongside price developments, community engagement has remained active. Mutuum Finance runs a 24-hour leaderboard that rewards the top daily contributor with $500 in MUTM. This system encourages ongoing participation rather than one-off involvement, which helps maintain activity during later stages of distribution.
Security review and development status
Safety remains a key priority as the project progresses. Mutuum Finance completed a CertiK Token Scan with a score of 90/100, providing an external review of token structure and basic risk factors.
At the same time, Halborn Security is carry out an independent audit loan and borrowing contracts. According to updates shared by the team, the codebase is finalized and undergoing formal analysis. This review covers the fundamental logic of the protocol, including borrowing behavior and liquidation mechanisms.
A $50,000 bug bounty program was also announced to encourage external review of potential code vulnerabilities. Together, these steps are part of a broader effort to prepare the protocol for public testing and subsequent exposure.
Launch of V1, phase 2 and market attention
Looking to the future, Mutuum Finance has defined clear development stages. According to official statements from the Mutuum Finance Team (MUTM) on ETH and USDT are planned as initial supported assets.
The project roadmap also refers to the development of Phase 2, which expands on the initial release and introduces additional features and improvements. Although details are still to come, this phase is expected to build on the basic lending framework rather than change direction.
For observers, the convergence of several factors is notable. A security audit in progress. A distribution phase nearing completion. A defined testnet launch window. These elements often attract attention as projects move from early stages of development to more visible stages.
Position in the DeFi landscape
Mutuum Finance operates in a competitive crypto DeFi environment, where lending protocols continue to evolve. Its focus on structured lending, usage-related incentives, and multi-layered security places it among new crypto projects preparing for broader participation.
As Phase 6 reaches full allocation and Phase 7 approaches, the project appears to be entering a new chapter. Although results depend on execution and market conditions, current developments are why Mutuum Finance is increasingly mentioned among the top crypto projects to watch.
With the Halborn Security review underway and V1 on the horizon, Mutuum Finance continues to advance its roadmap at a steady pace. Further updates are expected as the project moves to its next stage.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
Media Contact Information
J.Weir
contact@mutuum.com
