DUBAI, United Arab Emirates, December 19, 2025 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM)a new crypto project in the decentralized finance sector, has confirmed that phase 7 of its token distribution is now underway. The update follows the near completion of Phase 6 and marks continued progress through the development and distribution stages. The project remains focused on creating a lending and borrowing protocol while preparing for upcoming testnet activity.
The Phase 7 transition reflects the structured approach used by Mutuum Finance since the beginning of its roadmap. Each phase is tied to defined pricing and allocation levels, allowing the project to move forward in measured steps rather than sudden changes.
Presentation of Mutuum Finance (MUTM)
Mutuum Finance is a DeFi crypto protocol designed to support decentralized lending and borrowing. The platform aims to enable users to provision assets, generate returns and borrow against collateral in a framework that meets market demand.
The protocol operates on dual lending markets. One market allows users to supply assets into liquidity pools, while another supports direct borrowing according to defined interest rate rules. Interest rates adjust based on usage, helping to balance liquidity between lenders and borrowers.
Collateral requirements and liquidation thresholds are set to manage risk as asset prices fluctuate. These mechanisms aim to help maintain the stability of the protocol during periods of volatility.
mtTokens are an essential part of the design of Mutuum Finance. When users contribute assets to the protocol, they receive mtTokens which represent their share in the lending pool. The value of these tokens increases as interest is earned from borrowing activity.
Pre-sale status and distribution data
Mutuum Finance began its token distribution in early 2025 in a phased structure. Each phase introduced a fixed price and a limited allocation of tokens.
The token launched at $0.01 and rose through several stages, reaching a price of $0.035 at the end of phase 6. Since distribution began, MUTM has seen a 250% price increase across these stages. The official launch price is set at $0.06.
As Phase 7 begins, the project reports that approximately $19.4 million has been raised. The number of holders has grown to over 18,500 wallets.
The total supply of MUTM is set at 4B tokens. Of this amount, 45.5% was allocated for early distribution, which equates to approximately 1.82 billion tokens. To date, over 820 million tokens have been sold through this process.
Reviews of development progress and security
Development work continues alongside token distribution. According to statements shared by the The Mutuum Finance (MUTM) team onThe first version of the lending and borrowing protocol is expected to launch on the Sepolia testnet in Q4 2025.
Version V1 is expected to include liquidity pools, mtTokens, debt tokens, and an automated liquidator bot. ETH and USDT are intended as initial assets available for lending, borrowing, and collateral.
Security preparedness remains an important part of the roadmap. Mutuum Finance carried out a CertiK Token Scan, obtaining a score of 90/100. This review focuses on token structure and basic risk indicators.
Furthermore, Halborn Security carries out an independent audit of loan and borrowing contracts. The project team said the codebase is finalized and currently undergoing formal analysis.
Infrastructure plans
Beyond the initial release, Mutuum Finance presented its intention to introduce a stablecoin backed by the interests of borrowers. This stable asset is designed to integrate with the lending system and support low volatility use cases.
The roadmap also includes a potential expansion to Layer 2 networks. Deployment on Layer 2 infrastructure aims to reduce transaction costs and improve speed, which can support higher activity levels as the protocol grows.
Accurate pricing is another area of focus. The protocol design provides for the use of decentralized Oracle infrastructure, including Chainlink data feeds. Backup and aggregated data sources are also being explored to support consistent price updates.
Position in the DeFi market
Mutuum Finance is entering a competitive crypto DeFi environment where lending protocols continue to evolve. By focusing on structured lending, phased distribution and multiple security reviews, the project aims to establish a stable foundation before wider adoption.
As Phase 7 moves forward, Mutuum Finance continues to execute on its roadmap while preparing for the next stages of the testnet. Further updates are expected as development progresses and additional phases are completed.
For observers tracking upcoming crypto projects under decentralized finance, Mutuum Finance represents a protocol progressing through its planned stages with a defined focus on lending infrastructure and system stability.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree:https://linktr.ee/mutuumfinance
