Mutuum Finance (MUTM), an emerging DeFi platform focused on lending and borrowing, is capturing significant investor attention as it progresses through its structured presale. The project is currently in Presale Phase 7, offering tokens at $0.04, which represents a 300% increase from its initial Phase 1 price of $0.01.
The presale has successfully raised $19.5 million and attracted over 18,600 token holders, indicating substantial early interest. Phase 6 of the presale sold out ahead of schedule, and with Phase 7 allocation tightening, whale activity is reportedly increasing. The total token supply is 4 billion, with 45.5% (approximately 1.82 billion MUTM) allocated for early distribution. To date, 820 million tokens have been sold.
Technologically, Mutuum Finance is preparing for a major milestone. The team is set to launch Version 1 of its lending and borrowing protocol on the Sepolia testnet. This follows a comprehensive audit of its smart contracts by Halborn Security. The testnet will allow users to interact with features including liquidity pools, mtTokens (which enable stakers to earn interest while maintaining asset liquidity), debt tokens, and an automated liquidator bot using ETH and USDT.
The platform's core innovation is its dual-lending mechanism, which integrates both peer-to-contract (P2C) and peer-to-peer (P2P) loan solutions. The P2C system allows users to deposit assets into algorithmically-driven smart contract pools for predictable returns, while the P2P layer aims for maximum capital efficiency by matching borrowers and lenders directly.
On the security front, Mutuum Finance has received a 90/100 rating from CertiK's token scan and has implemented a $50,000 bug bounty program to further secure its code. Analysts and market commentators suggest the project's gradual, organic growth—contrasted with hype-driven spikes—and its imminent transition from development to live testing position it as a potential standout for the 2026 market cycle. Some projections anticipate the token could surpass a $0.50 valuation post-launch, offering significant upside for early investors.
