In a year when many crypto presales have struggled to stand out, one project is steadily climbing the ranks with a structured approach and a clear roadmap. Mutuum Finance (MUTM) is positioning itself as more than just another token launch, pairing strong investor interest with visible development milestones that set it apart in a crowded field. With its next phase already on the horizon, the project has become one of the most closely watched presales under $0.05.

A structured presale with rising demand

Mutuum Finance began its presale in early 2025, designed around a staged pricing model where each phase builds on the last. Starting at just $0.01 in Phase 1, the token has advanced step by step to reach $0.035 in Phase 6, rewarding early entrants with 250% MUTM appreciation. Phase 6 is already more than halfway sold out, and with Phase 7 priced at $0.04, investors are keeping a close eye on the transition. According to the roadmap, the official listing price is fixed at $0.06, ensuring that even those who join now have clear upside potential baked into their entry.

The momentum has been reinforced by participation numbers that show breadth as well as depth. More than $16.8 million has been raised so far, with over 740 million tokens allocated and a holder base that now exceeds 16,700 addresses. Instead of being concentrated in a few large wallets, distribution has been spread widely, creating a healthier foundation.

Protocol development already underway

Beyond fundraising, Mutuum Finance is already making progress on its technical rollout. According to a recent statement by the Mutuum Finance (MUTM) team on X, development of its lending and borrowing protocol is underway, with a Sepolia Testnet scheduled for Q4 2025. This version will include core components such as liquidity pools, mtTokens, debt tokens, and even a liquidator bot, providing early users with a chance to interact with the mechanics before full mainnet deployment.

Initial assets supported will include ETH and USDT, allowing lending, borrowing, and collateral functions to start from day one. By focusing on mainstream, high-liquidity assets in its first iteration, the protocol aims to build credibility and usability before expanding into broader markets.

Roadmap and outlook

At the heart of the platform will be its dual lending markets, designed to capture both mainstream liquidity and niche demand. The Peer-to-Contract (P2C) model pools assets like ETH and stablecoins, creating large, shared liquidity reserves. Depositors who add to these pools receive yield-bearing rewards, while borrowers can tap into instant loans without needing to negotiate terms. For example, someone supplying 5 ETH could receive 5 mtETH as a receipt token that accrues interest over time. This structure mirrors the proven models of protocols like Aave but with enhancements tailored for more efficient scaling.

Running in parallel, the Peer-to-Peer (P2P) marketplace is where Mutuum Finance distinguishes itself. Rather than forcing all assets into shared pools, riskier or less liquid tokens are managed under isolated lending agreements. This means a token with volatile liquidity, such as a newer DeFi or gaming asset, can still find credit markets without exposing the entire system to contagion risk. For borrowers, this opens access to funds backed by assets that traditional pooled markets would likely reject, while lenders can set custom terms that reflect the added risk. Together, the P2C and P2P systems give Mutuum Finance both resilience and flexibility, enabling it to support everything from blue-chip tokens to emerging altcoins within one protocol.

Loan-to-Value and lending APY

Risk management in lending protocols depends heavily on Loan-to-Value (LTV) ratios, and Mutuum Finance has made this a cornerstone of its architecture. All loans will be overcollateralized, with strict LTV thresholds ensuring that borrowers cannot draw more than a set percentage of their collateral’s value. For example, at a 75% LTV, a user who deposits $1,000 worth of ETH can borrow up to $750 against it. Should the collateral value decline and approach the liquidation threshold, the system automatically initiates liquidation to protect solvency.

Borrowing costs are also designed with flexibility. Users can choose variable interest rates, which shift according to liquidity supply and demand, or stable rates, which lock in repayment costs at a premium for predictability. For lenders, this means yields (APY) increase when liquidity is scarce and moderate when markets are well-supplied, aligning incentives to keep capital flowing smoothly. Together, LTV parameters and dynamic APY mechanics create a balanced system that attracts both cautious and active participants, while ensuring that protocol stability is never compromised.

Security, transparency and community engagement

One reason investors have shown confidence is the project’s attention to security and transparency. Mutuum Finance has already completed a CertiK audit with a 90/100 Token Scan score, placing it among the stronger reviewed protocols in the DeFi sector. To further reinforce this, the team launched a $50,000 bug bounty program, structured across multiple tiers, to encourage independent developers to stress-test the code.

On the community side, engagement has been built directly into the presale. To show appreciation for early supporters, the team has launched a $100,000 giveaway, looking to award 10 winners $10,000 in MUTM tokens each. Alongside this, a live dashboard provides real-time visibility into token allocations, balances, and potential returns. A Top 50 leaderboard highlights the largest contributors, who will receive bonus allocations at launch, gamifying the process and adding accountability across the presale.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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