MUTM presale 62% sold as investors rush before 20% hike

Mutuum Finance (MUTM) is quickly becoming one of the most talked-about projects in decentralized finance. The presale is moving faster than expected, with over 62% of Phase 6 already sold and more than $17.12 million raised.

The current price of $0.035 will soon rise to $0.04, giving investors a 15% gain before the next stage. With growing interest from both retail buyers and crypto whales, this DeFi project is shaping up as one of the strongest presale performers of the year.

Building a smarter lending future

Mutuum Finance (MUTM) is creating a hybrid model that blends Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. The goal is to make decentralized lending more efficient while keeping it user-friendly for both everyday users and institutional investors. 

The V1 lending and borrowing protocol on the Sepolia testnet is planned for Q4 2025 and will launch with ETH and USDT as the initial supported assets. It will feature key components such as a liquidity pool, mtTokens, debt tokens, and a liquidator bot.

In a P2C lending scenario, users will earn yield through fully automated smart contracts. For example, a lender deposits $8,000 worth of ADA into a Mutuum pool and receives mtADA tokens in return.

These tokens represent their deposit and will earn around 13% yearly return, which means about $1,040 in profit over 12 months. This model allows users to grow their holdings without trading or taking market risks.

On the other side, a borrower will post $1,500 worth of XRP as collateral and borrow $1,000 worth of DAI. This gives the borrower liquidity while keeping their XRP exposure intact. Each loan will be overcollateralized, which ensures that the system remains safe even when market conditions shift.

The P2P lending module will offer more flexibility. It will allow users to negotiate directly with each other, setting their own terms through smart contracts.

Tokens like TRUMP and SHIB, known for higher volatility, will operate in isolated pools to prevent risks from spreading to the broader system. This dual-structure design will make Mutuum Finance (MUTM) stand out from many DeFi platforms that only focus on one lending model.

Stability and reserve factors

The project will also rely on a Stability Factor to manage liquidations. When a borrower’s collateral falls below safety levels, automated bots will repurchase the loan at a discount, keeping the protocol stable and solvent. Liquidation thresholds will vary by asset type—around 80% for ETH, 75% for stablecoins, and 65% for volatile tokens.

To protect liquidity and maintain balance, Mutuum Finance (MUTM) will apply reserve factors that adjust automatically based on market risk.

Lower-risk assets will use about 10% reserves, while high-risk assets may use up to 55%, ensuring consistent performance even during crypto market swings.

Security, rewards, and rising investor confidence

Mutuum Finance (MUTM) has placed security and transparency at the center of its growth plan. A $50,000 Bug Bounty Program rewards white-hat hackers who find system vulnerabilities—$2,000 for critical issues, $1,000 for major ones, and smaller rewards for lower-severity bugs.

Alongside this, the team runs a $100,000 giveaway, where ten participants will each receive $10,000 worth of MUTM tokens each.

Mutuum Finance (MUTM) also integrates a buy-and-distribute mechanism that will create consistent buying demand. A portion of revenue from lending and borrowing will go toward repurchasing MUTM tokens from the open market.

These repurchased tokens will be distributed to mtToken stakers as rewards, giving investors long-term income.

Mutuum Finance (MUTM) is CertiK-audited, scoring 90 on TokenScan and 79 on Skynet, which confirms its smart contract quality and security transparency.

The audit process began in February 2025 and was reviewed again in May 2025. With a community of 12,000+ followers, the project’s momentum continues to rise as investors look for the next big DeFi breakout before the 2026 bull run reshapes crypto prices.

Final words

The 2026 bull run is expected to boost DeFi platforms, as more investors seek passive income through lending and yield opportunities.

Mutuum Finance (MUTM) is positioned to lead this wave, supported by strong fundamentals, verified audits, and clear development milestones.

Phase 7 will bring the price to $0.04, giving current buyers an instant 15% paper gain once it switches.

Momentum is building fast, and with more than 62% already sold, Mutuum Finance (MUTM) is proving to be one of the most promising DeFi entries for anyone serious about crypto investing before the next major market rally.

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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