Mutuum Finance (MUTM), a new decentralized lending protocol, is generating significant investor interest as its Phase 6 presale approaches 99% completion. The project has raised $19.1 million from over 18,300 holders, selling more than 810 million of the 1.82 billion tokens allocated for early participants from a total supply of 4 billion. The token price has surged 250% from its initial $0.01 offering in early 2025 to $0.035, with analysts citing strong community ownership as a key growth driver.
The protocol's core innovation is its dual-lending environment, which allows users to supply assets, borrow against collateral, and earn yield. A central feature is the mtTokens system; when users supply assets like ETH or USDT, they receive mtTokens that appreciate in value as borrowers repay interest, creating a real-yield model tied to protocol activity rather than inflationary rewards.
The project has confirmed its V1 testnet will launch on the Sepolia network in Q4 2025. This first version will include the liquidity pool, mtTokens, a debt-token system, and a liquidator bot, with ETH and USDT as the initial supported assets. Further bolstering the tokenomics, a portion of protocol revenue will be used to buy MUTM from the open market and redistribute it to users staking mtTokens, creating built-in buy pressure.
Looking ahead, Mutuum Finance plans to launch a USD-pegged stablecoin backed by borrower interest and expand to multiple Layer-2 networks to reduce fees and increase liquidity. The project prioritizes security, having completed a CertiK audit with a 90/100 score and engaged Halborn Security for a smart contract review, alongside a $50,000 bug bounty program.
With the presale window closing and the V1 launch imminent, analysts project substantial upside, with forecasts ranging from a 500–900% increase to a potential 10x rally post-launch, driven by the protocol's utility, security, and expansion roadmap.
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