New updates have been reported about Mutuum Finance.
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Mutuum Finance is advancing into a critical execution phase as it prepares to launch its V1 decentralized lending and borrowing protocol, while simultaneously nearing $20 million in presale funding. The project is in Phase 2 of its roadmap, prioritizing security validation, collateral handling mechanics, and user-facing features ahead of a planned Sepolia testnet release in Q1 2026. V1 will initially support ETH and USDT lending and borrowing, activating mtTokens, debt tokens, and automated liquidation logic so participants can test the system without real capital at risk. Mutuum has completed an independent audit by Halborn Security and reports a 90/100 token scan score from CertiK, positioning security as a core pillar before moving to Mainnet and future exchange listings.
From a capital-raising perspective, Mutuum Finance began its token presale in early 2025 at $0.01 and has progressed through multiple rounds to a current price of $0.04, raising approximately $19.9 million from 18,900 investors and selling 830 million tokens. Of the 4 billion total MUTM supply, 45.5% (about 1.82 billion tokens) is earmarked for presale, with the project now in Phase 7 of its allocation plan. The protocol’s design centers on two lending markets: one for liquidity suppliers who earn APY and receive mtTokens as accounting and yield-bearing units, and another for borrowers who access capital against collateral with automated liquidation managed by bots. mtTokens can also be staked to receive MUTM bought on the open market using a portion of protocol revenue, directly tying token distribution to platform usage. Looking ahead, Mutuum’s roadmap includes an overcollateralized stablecoin and potential Layer 2 integration to deepen borrowing utility and scalability, signaling a shift from fundraising and brand awareness toward usage metrics such as borrowing demand, APY stability, and liquidation performance as the V1 launch window approaches.