Mutuum Finance's DeFi Protocol Balances Innovation with Risk as $18M Presale Nears Completion

Mutuum Finance (MUTM), a Dubai-based decentralized finance (DeFi) project, is accelerating toward its V1 lending and borrowing protocol launch as it progresses through Phase 2 of its roadmap. With over $18 million raised and more than 17,600 investors participating in its presale, the project has emerged as one of the most active DeFi initiatives of 2025, drawing attention from both retail and institutional investors, according to a GlobeNewswire release. The presale, structured around a fixed-price, fixed-allocation model, has seen the token price climb from an initial $0.01 to $0.035 in Phase 6, with projections indicating a final launch price of $0.06, according to a GlobeNewswire report.

The project's dual-model lending framework—combining Peer-to-Contract (P2C) pooled markets for assets like ETH and USDT with Peer-to-Peer (P2P) isolated markets for niche tokens—has been a key driver of its appeal. P2C allows users to deposit assets into liquidity pools for yield generation, while P2P enables customized lending terms for individual borrowers. This hybrid approach ensures transparency through smart contracts and over-collateralization rules, mitigating risks in a volatile market, according to a GlobeNewswire release. Additionally, the platform's buy-and-distribute mechanism, which reallocates protocol revenue to stakers, further incentivizes long-term participation, according to a Timestabloid analysis.

Security and transparency have been central to Mutuum's development. The project recently completed a CertiK audit, achieving a 90/100 Token Scan score, and launched a $50,000 bug bounty program to engage ethical hackers, according to a GlobeNewswire update. These measures have bolstered investor confidence, particularly as Phase 6 nears 80% allocation, with whale inflows exceeding $100,000 in a 24-hour period, the earlier GlobeNewswire release noted. The team also operates a 24-hour leaderboard, rewarding top daily presale contributors with $500 in MUTM tokens, fostering community engagement, as the GlobeNewswire announcement reported.

The V1 protocol is slated for a Sepolia Testnet launch in Q4 2025, featuring core components like liquidity pools, mtTokens, and a liquidator bot to automate risk management, per the GlobeNewswire report. Stable assets such as ETH and USDT will initially support lending and borrowing activities, with loan-to-value (LTV) ratios capped at 75% to preserve liquidity. For volatile tokens, LTVs will range between 35% and 65%, with liquidation thresholds designed to protect lenders, according to a GlobeNewswire release.

Market analysts have positioned MUTM as a top crypto investment, projecting up to 21x returns based on its presale trajectory and utility-driven model; a Timestabloid analysis highlights early investor gains where an initial $5,000 position in Phase 1 is now valued at $17,500. The project's structured roadmap, combined with its focus on security and scalability, has attracted comparisons to traditional lending platforms while offering DeFi's inherent efficiency, the GlobeNewswire release observed.

With Phase 6 closing rapidly and Phase 7 priced at $0.04, Mutuum Finance's team emphasizes that the final presale stages could sell out faster than anticipated. As the project prepares for its beta launch and subsequent mainnet rollout, stakeholders are closely monitoring its ability to balance innovation with risk management in a competitive DeFi landscape, the GlobeNewswire update added.