Mutuum Finance has raised over $18.9M in funding, with its testnet launching in Q4 2025.

Amid the recent Ethereum price correction, Mutuum Finance (MUTM) has emerged as one of the more noteworthy new protocols. This project is a decentralized finance (DeFi) project currently advancing its token pre-sale. According to the latest disclosures, the project team has confirmed that Phase 6 of the allocation is nearly 95% complete, with the current token price at $0.035.

Mutuum Finance: A Two-Tier DeFi Lending Model

Mutuum Finance is developing a lending platform that combines a Peer-to-Contract (P2C) liquidity pool model with a Peer-to-Peer (P2P) lending market. In the P2C model, users provide liquidity and receive yield-generating mtTokens; while in the P2P model, borrowers can initiate over-collateralized loans with floating or fixed interest rates, supported by an automated liquidation mechanism based on real-time collateral valuation.

This hybrid structure aims to provide greater lending flexibility while mitigating systemic risk through segregated positions and collateral requirements calibrated according to asset volatility.

Pre-sale progress and infrastructure milestones

Mutuum Finance reports that its presale has raised over $18.9 million, with over 18,200 token holders and approximately 790,000,000 tokens distributed across the first six phases. The current sale price is $0.035, following previous rounds starting at $0.01. According to the project roadmap, the final listing price has been set at $0.06.

The pre-sale mechanism also includes a daily leaderboard to allocate MUTM tokens to the participants who contribute the most that day. Furthermore, a recent update to the payment system has removed the previous contribution cap.

On the security front, Mutuum Finance has completed a smart contract audit by CertiK and received a 90/100 score on Token Scan. Another independent audit by Halborn Security is underway, focusing on the lending infrastructure in preparation for the upcoming public testnet launch.

Upcoming Testnet Deployment and Stablecoin Roadmap

According to official project information, Mutuum Finance plans to deploy its V1 protocol on the Sepolia testnet in Q4 2025. This version will include core features such as liquidity provision, debt tracking, automatic liquidation, and support for the ETH and USDT markets.

In addition, the team plans to issue a stablecoin pegged to the US dollar and backed by overcollateralized lending positions, with interest payments from borrowers injected into the project's treasury system. The project plans to use Chainlink as its oracle data source, supplemented by backup data sources and time-weighted average prices (TWAP) based on decentralized exchanges (DEXs) to improve overall data reliability.

About Mutuum Finance (MUTM)

Mutuum Finance is an Ethereum-based lending protocol that allows users to earn interest on their crypto assets through peer-to-contract (P2C) and peer-to-peer (P2P) marketplaces, while also receiving dividend-like rewards by staking their holdings, thus achieving double benefits. The protocol runs on smart contracts, is completely transparent and non-custodial, and users always retain control over their funds. Mutuum Finance's roadmap includes launching its native stablecoin and expanding to multiple blockchains.

For more information about Mutuum Finance (MUTM), please visit the following link:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance