New updates have been reported about Mutuum Finance (MUTM).
Meet Samuel – Your Personal Investing Prophet
- Start a conversation with TipRanks’ trusted, data-backed investment intelligence
- Ask Samuel about stocks, your portfolio, or the market and get instant, personalized insights in seconds
Mutuum Finance (MUTM), a non-custodial lending and borrowing protocol, has moved from development into active testing, confirming the launch of its V1 protocol on the Sepolia testnet and completing security audits as it prepares for mainnet. The platform’s dual-market structure combines a Peer-to-Contract pool model for over-collateralized instant loans with a Peer-to-Peer layer for custom terms, supported by smart contracts that automate interest, collateral management, and liquidations.
A core mechanism is the mtToken system, where liquidity providers receive interest-bearing mtTokens that represent deposits and appreciate in value as borrowers repay with interest, while a buy-and-distribute model uses protocol fees to repurchase MUTM and reward network participants. Mutuum has also outlined 2026 roadmap priorities, including launching an over-collateralized, yield-backed stablecoin and integrating with Layer-2 networks to cut fees and increase transaction speed, underpinned by decentralized oracles for real-time pricing data.
On the capital side, MUTM’s structured, multi-phase token presale that began in 2025 has raised more than $20.4 million and attracted over 19,000 holders, with a fixed total supply of 4 billion tokens and 45.5% allocated to presale. Over 840 million tokens have been sold so far, with the offering currently in Phase 7 at $0.04 per token, following staged increases from an initial $0.01 and targeting a final launch price of $0.06 as the project transitions from fundraising to execution and broader on-chain lending deployment.