Mutuum's Hybrid Lending Model Aims to Redefine DeFi After $18M Presale Surge

Mutuum Finance (MUTM), a decentralized finance (DeFi) protocol, is preparing for its first major product release in Q4 2025 after securing over $18.2 million in presale funding, according to a GlobeNewswire report. The project, which has attracted more than 17,600 investors, is now in Phase 6 of its token sale, with prices set at $0.035 per token. The next phase will see a 20% price increase to $0.04, with a final launch price of $0.06. This structured allocation—reserving 45.5% of the 4 billion total tokens for the presale—has fueled rapid sellouts in each funding round, reflecting strong investor confidence.

The V1 launch, confirmed for the Sepolia Testnet in late 2025, will introduce core components of Mutuum's lending ecosystem, including a Liquidity Pool for assets like ETH and USDT, mtTokens for deposit tracking, and a Liquidator Bot to manage under-collateralized loans. The protocol's dual-model approach—combining Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending—aims to streamline on-chain credit while maintaining non-custodial security. P2C allows users to deposit assets into shared pools, earning interest via mtTokens, while P2P enables direct borrowing between parties.

Mutuum's roadmap includes plans for a USD-pegged stablecoin backed by overcollateralized loans and expansion to Layer-2 networks to reduce transaction costs. The team has also implemented a buy-and-distribute mechanism, using platform fees to repurchase MUTM tokens and redistribute them to mtToken stakers—a strategy designed to create a feedback loop linking protocol usage to token demand.

Security and transparency have been central to Mutuum's development. A CertiK audit awarded the project a 90/100 Token Scan score, bolstering trust in its smart-contract framework. The protocol also maintains a 24-hour leaderboard, rewarding top presale contributors with MUTM tokens, and allows direct card purchases with no limits—a rare feature in crypto onboarding.

Community engagement has surged, with the project's professional development pace and measurable milestones distinguishing it from hype-driven DeFi initiatives. Over 80% of Phase 6 presale capacity has already been sold, signaling momentum ahead of the testnet launch. Analysts highlight Mutuum's combination of utility, security, and structured growth as key differentiators in a crowded market.

With its audited infrastructure, clear roadmap, and growing user base, Mutuum Finance is positioning itself as a leading DeFi protocol ahead of 2026, as it completes Roadmap Phase 1. The V1 release will serve as a critical test of its scalability and adoption potential before transitioning to mainnet deployment.