Mutuum Finance (MUTM) Prices Rise 20% as Phase 7 Presale Kicks Off

Mutuum Finance (MUTM) Analysis

Mutuum Finance (MUTM), a decentralized finance (DeFi) project focused on lending and borrowing infrastructure, has announced that Phase 7 of its token distribution is now underway. The transition follows the near-completion of Phase 6 and marks continued progress in both development and distribution milestones. The project remains on track to launch its V1 protocol on the Sepolia testnet in Q4 2025.

The presale has been structured to progress through defined pricing and allocation stages, allowing the project to advance in measured steps. As Phase 7 begins, the MUTM token price is expected to increase by 20%. This follows a 250% increase since the initial Phase 1 price of $0.01. The phased pricing strategy is designed to reward early participation while gradually tightening supply and increasing valuation.

Mutuum Finance has raised over $19.4 million as of December 19, 2025, with more than 18,500 token holders participating across all phases. The project's total supply is fixed at 4 billion MUTM tokens, of which 45.5%-or 1.82 billion-were allocated for the presale. Approximately 820 million tokens have already been distributed, with Phase 7 marking the next stage in this structured allocation.

Key Development and Security Milestones

Mutuum Finance is a decentralized lending and borrowing protocol built on a dual lending framework according to project documentation. One component supports pooled lending, where users deposit assets into shared liquidity pools and receive mtTokens in return. These tokens increase in value as interest is repaid by borrowers. The second component supports structured borrowing, where users provide collateral and access liquidity under predefined interest rate models and loan-to-value parameters. Liquidation logic is embedded within the smart contracts to manage risk if collateral values move outside acceptable thresholds.

Development is currently in Phase 2 of the project's roadmap, which focuses on finalizing the protocol's core smart contracts and ensuring that lending, borrowing, interest accrual, and liquidation mechanisms function as intended. The phase also includes internal testing and integration between the back-end contracts and the front-end interface, aiming to prepare the system for public interaction in a controlled test environment before broader deployment.

Security remains a central focus as the project moves toward its Q4 2025 V1 launch. Mutuum Finance has confirmed that it is continuing to work with Halborn Security, which is reviewing the finalized lending and borrowing smart contracts under formal analysis. In addition to the Halborn review, the project has received a 90/100 Token Scan score from CertiK. These layered security measures are typical for lending-focused new crypto projects, where accurate liquidation logic and reliable pricing are essential for system stability.

Token Distribution and Community Engagement

The MUTM token presale began in early 2025 with a price of $0.01 and has since moved through multiple phases, reaching $0.035 in Phase 6. This represents a 250% increase from the initial price. The project has also introduced several ecosystem initiatives during the presale period, including a 24-hour leaderboard where the top daily contributor receives $500 in MUTM tokens. Card payment options are also available, allowing participants to acquire tokens without relying on decentralized exchanges.

Phase 6 has reached over 99% allocation, with only a small portion of tokens remaining at the current price level. As the presale moves into Phase 7, the price is expected to increase by 20%, reaching $0.04. This step-up structure has been a consistent feature throughout the presale and has contributed to accelerating demand as each phase approaches its limit. The official launch price is set at $0.06, which would mark a 500% increase from the earliest presale entry price.

Community engagement has remained active throughout the presale, with the project reporting over 18,500 holders as of late December 2025. This level of participation highlights growing confidence in the protocol's direction and long-term potential. The combination of steady price progression, structured allocation, and active community engagement has helped Mutuum Finance attract attention from investors tracking the next wave of DeFi developments.

Future Outlook and Market Position

Mutuum Finance is positioning itself as a next-gen crypto project centered on infrastructure rather than short-term trading activity. The project's emphasis on staged rollout, predefined token distribution, and multiple security reviews reflects a measured approach to deployment. As the V1 protocol moves closer to launch, the team has outlined plans for further expansion, including the development of a protocol-native stablecoin and planned deployment on Layer-2 networks.

The stablecoin is expected to be backed by interest generated within the protocol rather than external reserves or inflation mechanisms. Layer-2 expansion is intended to reduce transaction costs and improve execution speed, which can be especially relevant for lending protocols involving frequent interactions such as deposits, repayments, and liquidations. These features could help differentiate Mutuum Finance from other lending protocols in the DeFi space.

With development continuing under Roadmap Phase 2 and audits in progress, Mutuum Finance is preparing to enter a critical stage of its development cycle. As the project moves toward its Q4 2025 testnet launch and the presale progresses into Phase 7, market participants continue to monitor allocation levels and price progression. The combination of structured execution, robust security, and growing community participation positions Mutuum Finance as a project to watch in the evolving DeFi landscape.