Mutuum Finance (MUTM), a new cryptocurrency currently priced at $0.035, is capturing significant market attention due to its remarkable progress. With 95% allocation already achieved in Phase 6 of its presale, interest is rapidly escalating, positioning MUTM to become a highly discussed DeFi token in Q4 2025. As development accelerates and supply diminishes, the final stages of this phase are under intense investor scrutiny.
Rapid Presale Momentum
Beginning 2025 at a token offering price of $0.01, Mutuum Finance has experienced a substantial 250% growth in its presale value, reaching $0.035 due to consistent demand across various phases. The project has successfully raised over $19 million and amassed more than 18,200 holders, establishing one of the most dedicated early communities among new crypto launches this year.
The total supply of 4 billion MUTM includes 1.82 billion (45.5%) allocated for presale, with over 800 million tokens already purchased. Phase 6, priced at $0.035, is currently 95% filled. Mutuum Finance actively encourages user engagement through a daily leaderboard that awards the top contributor with $500 worth of MUTM.
Decentralized Lending Protocol and Tokenomics
Mutuum Finance is developing a decentralized lending protocol designed with a dual lending model. This structure allows for flexible loan offerings while maintaining risk control through clearly defined collateralization rules and automated liquidation procedures.
A key component of the protocol is mtTokens, which users receive as rewards for providing assets to the system. Mutuum Finance also implements a buy-and-distribute mechanism, where a portion of the protocol's revenue is used to buy MUTM on the open market. These repurchased tokens are then distributed to users who stake their mtTokens within the safety module, creating sustainable buy pressure and fostering long-term viability.
Security is a paramount concern for the project. Mutuum Finance has successfully passed a CertiK audit, achieving a 90/100 Token Scan rating. Furthermore, the lending contracts are undergoing a review by Halborn Security, further bolstering the platform's credibility.
Oracle Network Integration and Analyst Projections
The development team is also creating a native stablecoin, pegged to the USD, which will be minted and burnt based on demand. This stablecoin will generate interest for the Mutuum Treasury, thereby enhancing its liquidity and lending capabilities.
Mutuum Finance will leverage Chainlink oracles, fallback feeds, and on-chain data to ensure accurate liquidations and consistent borrowing. These systems are crucial for protecting users during periods of market volatility and mitigating any potential uncertainties in the platform's risk controls.
In an official announcement on its X account, Mutuum Finance stated that Version 1 is scheduled for release on the Sepolia Testnet in the fourth quarter of 2025. This launch will include the liquidity pool, mtTokens, the liquidation bot, and ETH/USDT lending support.
Urgency Building Towards Q1 2026
Phase 6 is progressing ahead of schedule, with its milestone nearing completion. The remaining tokens are being acquired at a faster rate than in previous stages, with 95% allocation now achieved. A recent significant whale allocation exceeding $100,000 has moved the presale even closer to full completion. This substantial buying activity in the current phase indicates strong investor confidence in the project's roadmap and future developments.
The combination of practical DeFi functionalities, a robust security audit, the mtToken yield engine, stablecoin development, and the rapid pace of Phase 6 could position Mutuum Finance as a leading cryptocurrency in Q1 2026.