Mutuum Finance (MUTM) Presale Nears 95% Sold Out as DeFi Project Targets $1 Valuation

Mutuum Finance (MUTM), a decentralized lending protocol, is rapidly advancing through its presale phases, with Phase 6 currently 95% sold out at a price of $0.035. The project has raised over $19 million across all presale stages and built a community of more than 18,200 holders, indicating strong investor interest. Early investors who participated in Phase 1 at $0.01 have seen paper gains of 3.5x, and the token has surged 250% since the presale began in early 2025.

The core of Mutuum Finance is its dual-lending system, which includes Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models. In P2C lending, users deposit assets like XRP or ETH to receive mtTokens, with average APYs of 14–16%, while borrowers can post collateral such as LINK for loans within loan-to-value (LTV) frameworks. P2P lending isolates higher-risk tokens like PEPE, allowing customized terms with rates up to 18%. Price discovery is powered by Chainlink oracles, ensuring accurate pricing for safer loans and higher platform revenue.

Security measures include audits by CertiK, scoring 90.00 on Token Scan, and an ongoing review by Halborn Security for finalized lending contracts. A $50,000 USDT bug bounty program is in place to reward critical issues, enhancing platform reliability. The roadmap features the launch of Version 1 on the Sepolia Testnet in Q4 2025, supporting ETH and USDT for lending and borrowing, alongside a stablecoin minted and burned on-demand, pegged to $1.

Analysts project MUTM could reach $0.75–$1.00 upon exchange listings, potentially outpacing historical gains of tokens like DOGE due to its utility-driven foundation. Phase 7 is set to increase the price to $0.040, with Tier-1 or Tier-2 exchange listings anticipated, reinforcing MUTM's position as a contender in the DeFi space.