Mutuum Blends P2C and P2P Lending to Fuel $16M Presale Surge

Mutuum Finance (MUTM) Raises Over $16.45M in Presale as Stage 6 Surpasses 50% Completion

Mutuum Finance (MUTM), an Ethereum-based decentralized finance (DeFi) protocol, has raised more than $16.45 million in its ongoing presale, with Stage 6 now exceeding 50% completion. The project has sold over 730 million tokens out of a 1.82 billion allocation for presale, representing nearly half of the 4.55 billion total supply reserved for this phase. The token price has risen from $0.01 in the first stage to $0.035 in Stage 6, with a planned 20% increase to $0.04 in the upcoming Stage 7. At the current pace, the presale is on track to reach its $0.06 launch price, reflecting a cumulative 500% increase from the initial offering level .

The presale has attracted over 16,600 holders since early 2025, with the project introducing incentives to drive participation. A $100,000 giveaway campaign is underway, distributing 10 prizes of $10,000 worth of MUTM tokens. Additionally, the top 50 holders by contribution are eligible for bonus allocations at launch, further aligning early supporters with long-term value . These initiatives have contributed to steady demand, with the presale progressing through five fully sold-out stages before reaching Stage 6.

Security and transparency remain central to Mutuum Finance's strategy. The project recently completed a CertiK audit, achieving a Token Scan score of 90/100 and an Operational Resilience score of 95.61. To further reinforce security, Mutuum has launched a $50,000 bug bounty program, offering rewards for vulnerability reports across four severity levels. These measures aim to build trust in the protocol's smart contract framework as it advances toward its official platform launch .

Mutuum Finance's product design combines peer-to-contract (P2C) and peer-to-peer (P2P) lending models. In the P2C system, users deposit assets into liquidity pools and receive mtTokens, which accrue yield over time. For example, depositing 10,000 USDT generates 10,000 mtUSDT, which remains transferable and earns interest. The P2P model allows direct lending and borrowing of assets not included in liquidity pools, such as memecoins like SHIB or DOGE, with customizable terms. Borrowers can access liquidity by collateralizing assets-such as 2 ETH valued at $9,000-to secure up to 75% of the collateral value while retaining exposure to price movements .

A buy-and-distribute mechanism further supports token value. A portion of platform fees is used to repurchase MUTM tokens from the open market and redistribute them to mtToken stakers. This model creates structural buy pressure, potentially stabilizing the token's value as adoption grows. The protocol's roadmap includes a multi-chain expansion and the launch of an overcollateralized stablecoin, designed to enhance liquidity and utility within the ecosystem .

With Stage 6 nearing full allocation, Mutuum Finance is preparing for the next phase of its presale and platform development. The team has completed the first phase of its roadmap, focusing on core smart contract development, and is now advancing to the second phase, which emphasizes platform testing and risk parameter finalization. The official launch is scheduled to coincide with the token's listing on exchanges, a strategy aimed at maximizing visibility and adoption .