Mutuum Finance (MUTM) is moving toward its V1 release as its token distribution approaches full allocation, signaling a transition from development to execution. The project notes months of structured development, steady participation growth, and an expanding holder base rather than a spike in attention, with Phase 6 nearing completion. Mutuum is a DeFi protocol focused on decentralized lending and borrowing, designed to operate without intermediaries, and governed by smart contracts that manage how users supply assets, borrow funds, and earn yield.
The protocol supports two lending paths: users can supply assets into shared liquidity pools or access liquidity via structured borrowing with defined collateral and repayment rules, governed by on-chain parameters such as loan-to-value ratios and liquidation thresholds. The system emphasizes capital efficiency and predictable lending behavior. Presale participation has grown steadily since early 2025, with over $19.5 million raised and more than 18,600 holders.
Phase 6 is nearing full allocation, indicating sustained demand as allocation tightens. The token price progressed from $0.01 in Phase 1 to $0.035 in the current stage, with an official launch price of $0.06. Mutuum has a fixed total supply of 4 billion MUTM tokens. With about 1.82 billion allocated to presale and roughly 825 million sold to date.
As allocation continues, fewer tokens remain available at each price level, tightening supply and reducing the potential for dilution. To support ongoing participation, Mutuum Finance has introduced a 24-hour leaderboard and supports card payments for token purchases to broaden access. Security is a central pre-V1 requirement, with a CertiK audit delivering a high scan score and Halborn conducting an independent review, complemented by a $50,000 bug bounty. These measures aim to mitigate risk before the protocol becomes widely accessible and are particularly relevant for a lending-focused DeFi platform, which must manage collateral, price feeds, and liquidation logic in volatile markets.
As Phase 6 nears completion, Mutuum Finance is transitioning toward deployment while the roadmap shifts from development to readiness for V1. The project’s progress—through increasing funding totals, expanding holder base, ongoing security reviews, and a staged rollout—reflects a deliberate, multi-front execution. In a crowded DeFi landscape of concept-only ventures, Mutuum’s ongoing delivery signals a measured move toward practical deployment. Funding totals, holder growth, token distribution, and security reviews have advanced in parallel. As allocation approaches completion and V1 preparation continues, the project enters its next crypto stage with much of its groundwork already in place. Mutuum Finance’s position reflects sustained execution across multiple fronts.
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