Mutuum Finance Raises $10.8 Million, Surpasses 12,200 Holders in Presale

Ethereum (ETH) is approaching the $2,800 mark, reigniting interest across the decentralized finance (DeFi) sector. While Ethereum's upward trajectory is a focal point, a new DeFi project, Mutuum Finance (MUTM), is quietly gaining traction. Mutuum Finance, a decentralized lending protocol currently in its presale phase, has surpassed 12,200 holders and raised over $10.8 million at $0.03 per token. Unlike Ethereum, which serves as the infrastructure for DeFi, Mutuum Finance is positioning itself as a complementary protocol with real earning potential, passive income systems, and innovative tokenomics.

Mutuum Finance is designed as a non-custodial, decentralized platform that allows lenders to deposit assets such as ETH, DAI, or AVAX and earn interest. The protocol's interest rates adjust automatically based on the utilization of liquidity pools, creating a dynamic and self-regulating system. When more borrowers take loans from a pool, interest rates rise, attracting new lenders seeking higher earnings. This mechanism ensures that the system responds to market behavior and maintains liquidity.

One of the key features of Mutuum Finance is its use of mtTokens. When a user deposits an asset into one of Mutuum’s liquidity pools, they receive mtTokens in return. These tokens represent the depositor’s original assets and the interest that accrues over time. For example, depositing 5 ETH results in the user receiving 5 mtETH. These mtTokens automatically grow in value as interest accrues, and users can hold, trade, or use them as collateral within the same ecosystem. This approach to liquidity and passive income sets Mutuum Finance apart from traditional lending systems.

Mutuum Finance offers both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models, creating actual earning opportunities for its users. In the P2C model, users supply assets to a communal pool and earn yield based on borrower activity. In the P2P model, users can negotiate direct loans with custom terms, offering more tailored agreements. This versatility opens the door to higher earning opportunities while maintaining the core principle of safety through over-collateralization. Depositors retain control of their assets through non-custodial smart contracts, which they can exit from at any time, assuming enough liquidity remains in the pool. These smart contracts are audited, with a CertiK Token Scan Score of 80.00 following a detailed review and static analysis.

Mutuum Finance plans to introduce a powerful incentive system for long-term users. The protocol will use a portion of its revenue to buy back MUTM tokens on the open market. Those purchased tokens will then be sent to safety-module participants who stake mtTokens in designated contracts. This strategy rewards loyal participants and adds consistent buying pressure on the token, strengthening both its demand and price stability.

To illustrate the earning power at the current presale level, consider this example: an investor who allocates $2,500 into Mutuum Finance at the current price of $0.03 will receive 83,333 MUTM tokens. Once the project lists at $0.06, this same investment will already have doubled. If the token rises 25x, which is not unrealistic considering its extensive use case and revenue model, those tokens will be worth $62,500. This kind of return is why investors are watching the presale window closely, as early entry matters and utility tokens like MUTM offer more than just speculative upside.

Mutuum Finance is also planning to launch a decentralized, overcollateralized stablecoin backed entirely by the protocol’s on-chain assets. Unlike stablecoins pegged by centralized fiat reserves, this one will be algorithmically minted, allowing full transparency and real-time solvency. All interest paid by borrowers using the stablecoin will loop back into the protocol’s treasury, reinforcing ecosystem value and enhancing passive income potential for users.

In preparation for launch, the Mutuum Finance development team has committed to a Layer-2 infrastructure, which will make transactions faster and more cost-efficient compared to traditional DeFi platforms. This decision addresses common bottlenecks like network congestion and high gas fees, which have held back user adoption on Ethereum-based protocols. The result will be a smoother, cheaper experience for both lending and borrowing activities, crucial to attracting consistent user engagement.

According to the official roadmap, Mutuum Finance is planning to launch a beta version of the platform at the time of token launch. This means investors participating in Phase 5 of the presale today won’t be left waiting months or years to see the protocol in action. Real features will go live quickly, with lending, borrowing, staking, and passive earning options accessible from day one for testing.

Adding to the current momentum is Mutuum Finance’s $100,000 giveaway campaign, which is driving new holders into the ecosystem and accelerating social engagement. The team is actively investing in its community, marketing presence, and liquidity expansion strategies. With over 4 billion tokens in total supply and a growing base of more than 12,200 holders, Mutuum Finance has already demonstrated strong traction before hitting public exchanges.

As the presale progresses and more features prepare for launch, the window to buy into this rising DeFi project at $0.03 is narrowing. The token’s planned listing price is $0.06, and expectations surrounding its DeFi utility, revenue generation, staking model, and stablecoin development are already turning heads. For those watching closely, Mutuum Finance isn’t just another altcoin—it’s shaping up to be a cornerstone of the next wave of decentralized finance.