Mutuum Finance is developing a decentralized lending and borrowing protocol designed to operate across multiple market conditions. The protocol allows users to supply assets into liquidity pools and earn yield, while borrowers access capital through collateral based loans. At the center of this design are mtTokens, which represent supplied assets and grow in value as interest accrues. This structure allows lenders to remain liquid while still earning yield, a feature common in mature DeFi lending systems.
The project has raised $19.4M so far and grown to more than 18,600 holders. Mutuum Finance has a total supply of 4B MUTM tokens, of which 45.5% (about 1.82B) are allocated to the presale, and about 820M tokens have already been sold. Payment access has been expanded, with MUTM purchasable using card payments, broadening reach beyond crypto native users. Phase 2 focuses on core protocol readiness, including finalizing smart contracts, preparing liquidity logic, and completing security reviews.
According to official updates, Mutuum Finance is targeting its V1 deployment on the Sepolia testnet in Q4 2025, introducing ETH and USDT as initial assets, along with liquidity pools, debt tokens, and a liquidator bot. Security has been prioritized, with a CertiK audit scoring 90/100 and Halborn Security reviewing the contracts, plus a $50k bug bounty program active to strengthen the codebase. Phase 6 allocation is nearly complete, and the next phase is expected to increase the MUTM price by nearly 20%, with Phase 1 participants positioned for up to 500% appreciation at the official launch price of $0.06. As V1 approaches and Phase 2 development wraps up, Mutuum Finance is moving from building to execution.
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