The countdown has begun for Mutuum Finance (MUTM), an emerging DeFi cryptocurrency. Investors are rushing to complete Phase 6 of the presale, with the current price at $0.035, before the remaining tokens are lost. What began as a low-key presale in early 2025 has rapidly become one of the most discussed crypto investment prospects of the quarter. The increasing demand is outpacing supply, prompting investors to act quickly.
Mutuum Finance (MUTM): A Decentralized Lending and Borrowing Protocol
Mutuum Finance (MUTM) is developing a decentralized lending and borrowing protocol designed to offer users straightforward methods for earning and borrowing assets. The platform operates through two primary flows to ensure simplicity for everyday users.
In the Peer to Contract circulation, depositors contribute assets to a common pool. Upon deposit, they receive mtTokens, which appreciate in value based on the interest paid by borrowers. For example, depositing $1,000 in ETH yields mtETH, which grows as borrowers repay their loans. This system establishes a stable Annual Percentage Yield (APY) driven by actual utilization rather than inflation.
The borrowing flow is governed by transparent Loan-to-Value (LTV) criteria. Borrowing rates are directly influenced by the pool's utilization. When liquidity is high, borrowing rates remain low. Conversely, as liquidity tightens, rates increase, incentivizing repayment and further deposits. If collateral value significantly decreases, the loan becomes unsafe. In such scenarios, liquidators step in to repay a portion of the debt and seize collateral at a discount, thereby safeguarding lenders.
The Presale Momentum
The MUTM presale has garnered significant attention in the crypto news cycle. The price has risen from $0.01 in Phase 1 to $0.035 as demand has surged. Investors interpret this 250% increase as a strong indicator of confidence in Mutuum Finance's development.
Growth metrics are robust. The protocol has successfully raised nearly $19 million, attracted over 18,200 holders, and sold approximately 805 million tokens to date. The presale allocation is substantial, with roughly 1.82 billion tokens out of a total supply of 4 billion reserved for the presale. This provides early participants with a significant ownership opportunity.
Phase 6 is nearing full allocation, with only a limited number of tokens remaining at the $0.035 price point. Following this sellout, the price for the subsequent stage will increase. Investors are keenly aware of the rapid pace of this progression, recalling similar trends in the early stages of major altcoins like SOL and XRP. This has led to the assumption that Mutuum Finance may follow a similar trajectory, fueling the current rising demand.
An additional incentive is the 24-hour leaderboard, which awards the top daily participant with $500 worth of MUTM.

Building Investor Trust Through Development and Security
Mutuum Finance is committed to tangible development, not just a presale. The team has announced that Version 1 of the protocol is scheduled for release on the Sepolia Testnet in the fourth quarter of 2025. This initial version will support ETH and USDT for lending, borrowing, and collateralization, and will include a liquidity pool, mtTokens, a debt token system, and a liquidation bot. The code development is complete and is currently undergoing a review by Halborn Security.
This advanced stage of development instills confidence in investors, contrasting with the trend of many new tokens launching without functional products. Mutuum Finance is building its protocol before the token listing, and the public testnet will allow users to engage with the system prior to its official launch.
Security is a paramount concern. Mutuum Finance has completed a CertiK audit, achieving a 90/100 score on Token Scan. The team has also implemented a $50,000 bug bounty program focused on code vulnerabilities, aiming to attract security experts and minimize long-term risks for users. The protocol's design, emphasizing safety and clear liquidation rules, is intended to establish it as a trusted DeFi platform for the next market cycle.
With Phase 6 on the verge of a full sellout at $0.035, opportunities for entry are diminishing. The combination of real-yield mechanisms, the upcoming testnet launch, positive audit results, and plans for a stablecoin position Mutuum Finance as a standout venture in the current cryptocurrency landscape.
Following the completion of Phase 6, the price is set to increase. Given the escalating daily demand, many investors believe this may be the final chance to acquire MUTM at a price below $0.04.

