Mutuum's Hybrid DeFi Lending Model Attracts $18M, 17K Investors

The DeFi lending protocol Mutuum Finance (MUTM) is accelerating toward its V1 launch on the Sepolia Testnet, with its presale now over 85% sold in Phase 6, raising more than $18.35 million from nearly 17,750 investors, according to a GlobeNewswire release. The project, which began its presale at $0.01 per token in early 2025, has seen its price climb 250% to $0.035 in the current phase, with the next stage priced at $0.04—a 20% increase. Analysts note the structured presale model, which locks in demand while rewarding early participants, mirrors successful altcoin launches, according to Cryptopolitan.

Mutuum Finance's V1 protocol, slated for Q4 2025, will introduce core components including Liquidity Pools, mtTokens, Debt Tokens, and a Liquidator Bot. The platform's dual lending models—Peer-to-Contract (P2C) and Peer-to-Peer (P2P)—aim to streamline decentralized borrowing and lending. In the P2C model, users deposit assets like ETH or USDT into liquidity pools, earning variable yields via mtTokens, while the P2P model facilitates direct lending agreements with customizable terms. This hybrid approach balances efficiency for major assets with flexibility for niche tokens, addressing gaps in current DeFi protocols, per its V1 launch roadmap.

Security and transparency are central to Mutuum's strategy. The project recently completed a CertiK audit, achieving a 90/100 Token Scan score, and maintains a $50,000 bug bounty program, as noted in a GlobeNewswire release. Additionally, a reserve factor within the protocol's risk management framework ensures stability by allocating larger buffers for higher-risk assets. These measures, coupled with real-time oracle integrations like Chainlink, reinforce trust as the platform transitions from development to live testing.

Community engagement has also driven Mutuum's growth. A 24-hour leaderboard rewards the top daily contributor with $500 in MUTM tokens, while a $100,000 giveaway aims to incentivize active participation. Over 17,600 holders have already participated in the presale, with analysts highlighting the project's strong retail and institutional appeal. The team's phased roadmap—now in Phase 2—has prioritized infrastructure development, including smart contract audits and ecosystem expansion, ahead of the V1 deployment.

Market observers point to Mutuum's strategic positioning in a recovering DeFi sector. With lending activity rebounding and improved investor sentiment, the project's non-custodial framework and utility-driven tokenomics align with trends favoring transparent, product-first protocols. AMBCrypto's price prediction suggests MUTM could reach $0.25 by mid-2026, fueled by V1 adoption and USDT-based yield opportunities. However, as with all crypto projects, success will depend on execution post-launch and broader market conditions.