Mutuum's Secure DeFi Model Fuels 600% Token Surge and $18.9M Raise

Mutuum Finance's MUTM token has surged 250% in value since its initial presale phase, with Phase 6 now over 90% sold out as the project advances toward its next price increase and Q4 2025 testnet launch. According to the report, the presale, which began at $0.01 in Phase 1, has raised $18.9 million and attracted over 18,200 holders, positioning MUTM as one of the most actively subscribed DeFi offerings of 2025. The token's current price of $0.035 in Phase 6 is nearly double its initial value, with the confirmed listing price of $0.06 indicating a potential 600% appreciation from Phase 1.

The project's momentum is driven by a structured token distribution model, allocating 45.5% of the 4 billion total supply-1.82 billion tokens-to the presale. With over 800 million tokens already sold, Phase 6's remaining allocation is rapidly depleting, and the transition to Phase 7, which introduces a 20% price increase, is imminent. Additional features such as card-based purchases and daily leaderboard rewards have further fueled participation, while Halborn's security audit of MUTM's lending and borrowing contracts has added a layer of credibility.

Mutuum Finance's decentralized lending and borrowing protocol is designed to combine pooled liquidity markets with isolated peer-to-peer (P2P) lending, enabling users to interact with both stable assets and volatile tokens. The platform's mtTokens, which represent interest-bearing receipts for deposited assets, will play a central role in yield generation and collateral management. Borrowers can access variable or stable rates, with liquidations handled by on-chain bots to maintain system stability. The protocol's dual structure aims to balance accessibility for mainstream assets with flexibility for niche tokens, addressing a gap in the DeFi market.

Security remains a focal point as the project nears its testnet deployment. Following a CertiK audit, Halborn's ongoing review of the codebase has reinforced investor confidence, with the testnet slated for Sepolia in Q4 2025. This phase will introduce core functionalities such as mtToken behavior, collateral requirements, and borrowing rules, providing users with their first hands-on experience of the platform. The team has also outlined a roadmap for a USD-pegged stablecoin and Layer-2 expansion, signaling long-term strategic planning.

With Phase 6 nearing 99% completion and the Halborn audit underway, Mutuum Finance is positioning itself as a technically robust contender in the DeFi space. The project's combination of presale momentum, security validations, and a clear product roadmap has drawn attention from both retail and institutional investors, highlighting its potential to reshape decentralized lending ecosystems in 2026.