Mutuum Finance Raises $11.25 Million in Presale for DeFi Platform

While the U.S. Securities and Exchange Commission (SEC) is inching closer to approving broader crypto investment vehicles, the focus is shifting towards the underlying fundamentals of decentralized finance (DeFi). This shift is exemplified by Mutuum Finance (MUTM), a project that is quietly building a robust DeFi infrastructure rather than riding on speculative hype.

Mutuum Finance is currently in its Phase 5 presale, with the token priced at $0.03. The project has already raised over $11.25 million from more than 12,500 holders and is preparing for a beta launch that aligns with regulatory best practices. The presale price is locked at $0.03, and tokens are being claimed quickly. Once Phase 6 begins, the entry price will rise, making it a limited-time opportunity to invest in a real DeFi platform at a basement value.

Mutuum Finance is designed to be a decentralized liquidity protocol where users can lend, borrow, and earn through a trustless system. Unlike crypto ETFs that track crypto prices without offering actual utility, MUTM will power a platform that delivers on-chain income through mtTokens, pool lending, and a built-in stablecoin system. This system is underpinned by a security-first architecture and Layer 2 integration for scalability.

At the center of the Mutuum ecosystem is the MUTM token, which carries multiple roles that link directly to protocol usage. When users deposit assets into Mutuum’s liquidity pools, they receive mtTokens—interest-bearing ERC-20 tokens representing their share of the pool. These mtTokens accumulate value as pool utilization increases and borrowers pay interest. Investors will also be able to stake mtTokens in designated contracts to receive passive dividends in MUTM, funded through protocol revenue and buyback programs.

Mutuum Finance will also introduce a fully decentralized stablecoin that will only be minted when users borrow against assets like ETH. The stablecoin’s peg will be maintained through interest rate adjustments by governance, along with automated arbitrage mechanisms. When loans are repaid or liquidated, the stablecoin will be burned, keeping the supply controlled and backed by overcollateralized debt. This approach removes speculative instability and builds a robust tool for users seeking stable on-chain liquidity.

To support real-world application, all of this will be deployed with Layer 2 scalability. High-speed, low-cost transactions will allow users to engage with the platform efficiently—no long delays, no heavy fees. This infrastructure upgrade makes whale-level participation feasible while staying accessible to smaller users. Mutuum is being built for long-term scale, not short-term hype.

Security is also a top priority for Mutuum. The project has already completed a CertiK audit using both static and manual methods, earning a Token Scan score of 95 and a Skynet score of 77. These metrics reflect a codebase and protocol structure that meet high security standards, further reinforced by an ongoing bug bounty to catch vulnerabilities before launch.

While financial headlines follow ETF filings and institutional capital inflows, Mutuum Finance is aligning with the next phase of DeFi—compliance-ready, utility-driven protocols that empower users without intermediaries. According to its roadmap, Mutuum is preparing to launch its beta platform in Phase 3, followed by token claim in Phase 4. The infrastructure, smart contracts, and Layer 2 deployment will all go live with the token, giving holders immediate access to lending, borrowing, mtTokens, and stablecoin minting.

This full-stack launch approach stands in sharp contrast to many projects that deliver speculative tokens with little to no application. With MUTM, the price is tied to protocol activity from the beginning. This means early investors won’t have to wait for a roadmap catch-up—they’ll be entering a working ecosystem on day one. To further reward early participants, Mutuum is running a $100,000 giveaway. Ten winners will receive $10,000 worth of MUTM tokens each, emphasizing the project’s commitment to building with its community.

While mainstream investors watch charts and wait for ETFs to launch, Mutuum Finance is already laying the rails for decentralized finance 2.0. This is not the time to observe from the sidelines—it’s the time to act before the full potential is priced in. The real build is happening now, and it starts with utility.