Mutuum Finance (MUTM) has announced continued progress on its decentralized lending protocol, confirming that V1 is finalized and scheduled for a Sepolia testnet release in Q4 2025 following an ongoing review by Halborn Security.
Token Allocation Details
Mutuum Finance is conducting a multi-phase token offering throughout 2025 and 2026. The offering began at $0.01 in early 2025, and the token price has since reached $0.035, reflecting a 250% change from the initial phase. According to project data, more than $19 million has been raised, with over 18,200 holders participating. Of the 4 billion total supply, 1.82 billion tokens have been allocated to the offering, and more than 800 million have been sold.
Phase 6 is reported to be over 95% allocated, leaving a limited portion available at the current price.
Platform Architecture and Security Measures
Mutuum Finance is developing a DeFi lending platform intended to include mtTokens, borrowing functions, liquidation processes, and pricing tools. The project reports completing a CertiK audit with a 90/100 Token Scan score and states that Halborn Security is reviewing the finalized lending and borrowing contracts. This level of oversight is noted by the project as part of its preparation for broader ecosystem development.
Mutuum Finance Token Mechanics
Mutuum Finance incorporates mechanisms designed to align protocol activity with token behavior. mtTokens are intended to accrue value based on borrowing activity within the platform. The protocol also includes a buy-and-distribute model in which a portion of protocol revenue is used to purchase MUTM on the open market, with these tokens redistributed to participants who stake mtTokens in the safety module.
The offering price is currently $0.035 and is structured to progress toward a planned $0.06 launch level.
Development Milestones and Protocol Roadmap
According to official project communications, the V1 protocol launch is planned for the Sepolia testnet in Q4 2025. This initial release is expected to include the liquidity pool, mtTokens, the debt-token system and the liquidation bot, with major digital assets supported at launch. The team has indicated that a functional protocol is intended to be available before exchange listing activity begins.
Mutuum Finance is also developing a native USD-pegged stablecoin that will be minted and burned on demand. Interest associated with this stablecoin is intended to flow to the project’s treasury. The protocol plans to integrate decentralized oracles, fallback mechanisms and on-chain data sources to support accurate liquidations and improve risk management.
Phase 6 Status
Phase 6 is nearing completion, reported at approximately 99% allocation. Recent larger purchases have contributed to movement within the remaining supply. With the offering currently priced at $0.035 and structured to progress toward a $0.06 launch level, the project identifies Phase 6 as part of its current development and fundraising cycle.
As Mutuum Finance advances toward the V1 testnet release, the project highlights its audit results, token mechanisms, development progress and presale allocation status as central components of its present phase.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a DeFi lending project developing a platform with yield-bearing mtTokens, borrowing functions, liquidation mechanisms and integrated oracle-based pricing infrastructure. The project has undergone a CertiK audit and engaged Halborn Security to review its lending and borrowing contracts as part of a multi-phase token offering and planned V1 deployment on the Sepolia testnet. Its roadmap also includes a USD-pegged native stablecoin intended to support the Mutuum Treasury and ongoing protocol operations.
For more information about Mutuum Finance (MUTM) users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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