Mutuum Finance Raises $10.85 Million in Presale, Attracts 12,250 Holders

Ethereum (ETH) has been experiencing a resurgence in 2025, driven by increasing institutional investments and sustained interest in spot ETF approvals. As the second-largest cryptocurrency, Ethereum continues to be a key player in decentralized finance, bolstered by its network upgrades and strong market capitalization. However, a new contender, Mutuum Finance (MUTM), is gaining traction from the ground up.

Mutuum Finance (MUTM) is currently in its presale phase, having already raised approximately $10.85 million and attracting over 12,250 holders at a presale price of $0.03 per token. Unlike traditional protocols, Mutuum Finance stands out due to its low entry point and robust earning mechanisms, which are designed to support long-term decentralized growth. Investors seeking significant upside potential from a lower base will find that Mutuum Finance offers more than just speculative gains—it provides real DeFi utility.

Mutuum Finance will operate as a decentralized, non-custodial liquidity protocol, allowing users to lend and borrow various crypto assets through two models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users can deposit assets such as Ethereum (ETH), USDC, USDT, Solana (SOL), Binance Coin (BNB), Bitcoin (BTC), or Avalanche (AVAX) into smart contract-based liquidity pools. These deposits will automatically earn interest as they are borrowed by others, with interest rates increasing dynamically as pool usage rises. This creates a high-yield cycle tied to real demand, attracting more lenders and fostering growth.

The P2P model offers lenders full control, enabling them to negotiate terms directly with borrowers. This flexibility allows for the lending of less commonly supported assets like Pepe (PEPE), Dogecoin (DOGE), or Shiba Inu (SHIB), which are often overlooked by centralized platforms. This appeal to active users who seek more personalized control and higher reward strategies.

Once an asset is deposited into the pool, users will receive mtTokens, which are tokenized representations of their deposit and interest accrual. These mtTokens serve as yield-bearing instruments and can be staked to earn passive income from protocol profits. As usage expands, users who lock their mtTokens in designated contracts will receive MUTM token dividends bought in the open market from market revenue, creating a rewarding loop for early adopters.

Layer-2 integration will enhance the platform's efficiency, with lower transaction fees and faster execution times ensuring smooth operation even during market congestion. The protocol’s CertiK audit, with a Token Scan Score of 80.00 and a Skynet Score of 72.38, adds an extra layer of confidence for users exploring new DeFi options.

Another significant development is the upcoming launch of Mutuum’s decentralized stablecoin, which will maintain a $1 peg and be minted only when a user borrows against on-chain collateral, such as ETH. This stablecoin will be automatically burned when loans are repaid or liquidated, using algorithmic governance to manage supply and interest rates. Unlike traditional models that rely on fiat or centralized reserves, this system will ensure stability and responsible usage.

Interest rates for borrowing this stablecoin will be adjusted by governance to help stabilize the peg, making it a foundational utility layer within the Mutuum ecosystem. Only approved issuers will be allowed to mint this stablecoin, with individual allocation caps to ensure responsible usage.

The MUTM token will be the centerpiece of the entire protocol, with a supply of 4 billion tokens. It will be used to distribute passive dividends and incentivize users who stake mtTokens. Its long-term value will be directly tied to protocol activity, with value flowing to token holders every time someone borrows, lends, or interacts with liquidity pools.

According to the current roadmap, Mutuum Finance is preparing to launch a beta version of its lending and borrowing platform by the time the token goes live. This milestone will provide early adopters with a hands-on experience of the system in action. The project is also running a $100K giveaway, where ten winners will be awarded with $10,000 worth of MUTM tokens each, rewarding those who supported the project early in its journey.

All deposits will be handled through secure, non-custodial smart contracts, ensuring that users always retain control of their funds and can redeem their mtTokens anytime, assuming sufficient liquidity is available. Interest rates will shift dynamically in P2C lending, while in P2P, users will set their own terms. This dual approach ensures flexibility and adaptability to various market conditions.

For those looking to borrow instead of sell, Mutuum will allow access to liquidity without losing exposure to long-term holdings. Whether someone wants to borrow against ETH to invest in other opportunities or manage short-term costs, this strategy will allow them to keep control of their assets while still participating in the broader DeFi market.

Through a combination of dynamic interest systems, passive income rewards, algorithmic stablecoin mechanics, and real yield opportunities, Mutuum Finance is projecting a complete financial ecosystem for the decentralized future. With the presale still active and the price fixed at $0.03, there is a narrow window before the next price jump begins. Those who act now will secure a stronger position in what could become one of the most talked-about DeFi protocols of the year.