DUBAI, United Arab Emirates, Dec. 28, 2025 (GLOBE NEWSWIRE) -- Mutuum Finance (MUTM), a new crypto project focused on decentralized lending, continues to move through its published roadmap as development work on its core protocol features reaches completion. The project is positioning itself within the DeFi crypto sector by building lending and borrowing infrastructure designed to support predictable usage and risk management. Recent updates indicate that Mutuum Finance is progressing from development planning toward early deployment stages, while its token distribution also continues.
Overview of the Mutuum Finance (MUTM) Protocol
Mutuum Finance is being developed as a decentralized lending and borrowing protocol built on Ethereum. The project aims to provide users with on-chain access to capital without relying on centralized intermediaries. The design focuses on clear lending rules, transparent collateral requirements, and automated risk controls.
At the core of the protocol is a dual lending model. This structure supports two main ways for users to interact with the system. The first is a pooled lending market, where users deposit assets into shared liquidity pools. These assets can then be borrowed by other users, and lenders earn yield based on borrowing demand.
The second component supports more structured borrowing interactions, where users borrow against collateral with defined parameters. These parameters include loan-to-value limits and liquidation thresholds, which are intended to protect both lenders and the protocol itself during periods of market volatility.
An important element of the Mutuum Finance system is the use of mtTokens. When users supply assets to the protocol, they receive mtTokens that represent their share of the pool. These tokens accrue value over time as interest is generated from borrowing activity.
mtTokens serve two purposes. First, they provide a clear on-chain record of each user’s position in the protocol. Second, they allow yield to be reflected automatically without requiring users to manually claim rewards. This design aligns with established DeFi crypto lending standards and simplifies user interaction.
Stablecoin and Layer-2 Plans
In addition to its initial lending markets, Mutuum Finance has outlined plans to support stablecoin-based activity. Stablecoins can reduce exposure to price swings and may appeal to users seeking lower volatility lending and borrowing options. These markets are expected to complement existing crypto asset pools rather than replace them.
The roadmap also includes future Layer-2 integrations. Layer-2 networks can reduce transaction fees and increase throughput compared to Ethereum mainnet. While these integrations are not required for the initial launch, they are part of the longer-term infrastructure strategy as the protocol prepares for broader usage.
According to statements shared through the project’s official communication channels, Mutuum Finance is preparing for a V1 deployment on the Sepolia testnet in Q4 2025. The initial release is expected to include several core components, such as liquidity pools, mtTokens, debt tokens, and an automated liquidator bot.
ETH and USDT are planned as the first supported assets for lending, borrowing, and collateral use. This limited asset set allows the development team to monitor protocol behavior before expanding support to additional tokens.
Security Reviews and Audits
Security remains a key focus as Mutuum Finance approaches its testnet phase. The project has completed a CertiK token scan, which resulted in a 90/100 score. This scan evaluates contract structure and known risk factors.
In parallel, Halborn Security is conducting an independent review of the lending and borrowing contracts. According to the project, the codebase has been finalized and is undergoing formal analysis. Updates on the audit process are expected as the review continues.
Mutuum Finance has also announced a $50k bug bounty program. This program encourages external developers and security researchers to identify potential vulnerabilities. Bug bounty initiatives are commonly used by DeFi crypto projects to improve resilience before wider deployment.
Presale Structure and Progress
Alongside development work, Mutuum Finance continues its token distribution through a multi-phase presale. The presale began in early 2025 and follows a staged pricing model, where the token price increases gradually across phases.
The total supply of MUTM is fixed at 4B tokens. Of this supply, 45.5% has been allocated to the presale, representing approximately 1.82B tokens. Distribution across multiple phases is intended to spread ownership and avoid sudden concentration.
As of the current phase, the MUTM token is priced at $0.035. Earlier phases started at a lower price, and the progression reflects a cumulative increase of around 250% since Phase 1. The official launch price has been set at $0.06.
The project reports that more than $19.5M has been raised so far, with over 18,600 holders participating in the distribution. These figures indicate steady participation rather than abrupt inflows.
To date, approximately 825M MUTM tokens have been sold. This places the presale well into its allocated supply, with later phases approaching. As distribution continues, remaining tokens become more concentrated in the final stages of the sale.
The phased structure allows participants to enter at different points while maintaining predictable pricing steps. This approach is commonly used among new crypto projects to balance early participation with later access.
Position Within the DeFi Crypto Landscape
As a DeFi crypto project, Mutuum Finance is entering a sector that includes established lending platforms as well as emerging protocols. Its focus on structured lending rules, phased deployment, and layered security places it within a category of projects emphasizing infrastructure readiness before broad adoption.
With core protocol components finalized and audits underway, Mutuum Finance is approaching a new stage in its roadmap. The upcoming testnet deployment will provide an opportunity to observe how the system performs under real usage conditions.
At the same time, the presale continues to progress toward later phases, with token distribution gradually tightening. As development and distribution move forward in parallel, Mutuum Finance remains focused on building out its lending infrastructure within the broader DeFi crypto space. For now, the project’s progress reflects steady execution across development, security, and token distribution, rather than short-term market activity.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Media Contact Information J. Weir contact@mutuum.com
