A rapidly accelerating token is now approaching a decisive moment as Phase 6 reaches 96% allocation. With only a limited supply left under the $0.04 mark, Mutuum Finance (MUTM) is drawing heightened attention from investors tracking the final hours of this offering stage. Momentum has intensified as the project moves closer to major development milestones, and many believe this final stretch could become one of the most fast-moving phases yet.
Mutuum Finance: Lending Tools Built for DeFi Usage
Mutuum Finance is developing a decentralized lending platform designed to support predictable yield, transparent borrowing and strong risk controls. The protocol operates across two lending environments that serve different user needs.
The first environment is its Peer-to-Contract lending model. Here, users supply assets into liquidity pools and receive mtTokens, which appreciate as borrowers repay interest. For example, if someone supplies stablecoins, the mtTokens they receive will increase in value over time as loan activity rises, creating APY tied directly to actual protocol usage.
The second environment is its Peer-to-Peer lending market. Users can open isolated loan positions and choose between variable rates, which adjust based on pool demand, or stable rates, which offer predictable repayment terms. Loan-to-value limits help protect the protocol. Lower-volatility assets can support LTV ratios near 75%, while more volatile tokens remain closer to 35%–40%. When collateral drops too far, automated liquidations activate, allowing liquidators to purchase discounted collateral.
This system helps prevent uncontrolled losses and maintains stability for lenders and borrowers. By combining P2C yield with P2P flexibility, Mutuum Finance aims to position itself as a DeFi crypto project built for real usage rather than hype-driven participation.
Strong Presale Momentum as Allocation Tightens
Mutuum Finance began its token launch in early 2025 at an entry point of $0.01, and interest has grown steadily ever since. As each stage opened, participation stayed strong, lifting the token’s price to its current level of $0.035. This marks a 250% rise during development and reflects ongoing confidence in the project rather than short bursts of speculation. To date, Mutuum Finance has collected more than $19M in support and now has a user base of over 18,300 holders, placing it among the most active early DeFi launches of the year.
Out of the total 4B MUTM supply, 1.82B tokens were set aside for early buyers, representing 45.5% of the supply. More than 800M tokens from this allocation have already been claimed during the previous rounds.
The offering is now deep into Phase 6, where allocation has climbed to 96%, reducing the remaining availability at the $0.035 price level to a very small fraction. As this stage moves toward completion, attention has intensified, especially with the token getting closer to its planned $0.06 launch value. The narrowing gap has pushed more users to monitor supply levels closely.
A large part of Mutuum Finance’s community activity comes from its 24-hour leaderboard, a feature that rewards the top daily contributor with $500 in MUTM. This has kept participation consistent throughout the offering and encouraged new users to stay engaged. Onboarding is also streamlined thanks to direct card payments, making it easier for people entering the crypto space for the first time to participate without dealing with complicated processes.
With allocation shrinking and the price still positioned under the $0.04 threshold, investor interest has accelerated. The pace of Phase 6 shows no signs of slowing, and users are increasingly aware that the remaining supply may not last long.
V1 Testnet Launch and Security Layers
According to the project’s official updates, V1 is scheduled to launch on the Sepolia Testnet in Q4 2025. The first version will include the liquidity pool, mtTokens, the liquidation bot, the debt-tracking token and support for ETH and USDT. This rollout will be the first opportunity for users to test the lending engine before mainnet deployment.
Security has been one of Mutuum Finance’s strongest pillars. The project completed a CertiK audit, securing a 90/100 Token Scan score, and Halborn Security is reviewing the finalized contract architecture. This multi-layer audit approach helps ensure the protocol’s core functions are safe and stable ahead of public testing.
Because of the project’s steady technical progress, several market observers suggest MUTM could see strong early movement after V1 is live. In a favorable environment, some analysts model an initial price range between $0.30 and $0.40, supported by early adoption and sustained borrowing activity. While these projections are not guaranteed, they reflect increasing interest in the platform’s long-term functionality.
Rising Allocation Pressure
Phase 6 of the Mutuum Finance offering has advanced at the fastest pace of any stage so far. With 96% already allocated, the remaining portion under $0.04 is expected to move quickly as buyers respond to the shrinking supply and upcoming V1 release.
Recent whale entries have added additional pressure to the final phase. A $100K allocation earlier this week pushed Phase 6 closer to full completion. Large purchases at this point in an offering often signal confidence in the project’s roadmap and create more activity from smaller participants who do not want to miss the remaining allocation window.
As the offering enters its final hours at this price level, user interest continues to rise, and many are monitoring Phase 6’s progression closely. With development, security reviews, stablecoin plans and testing milestones approaching, Mutuum Finance is positioning itself as a top crypto contender heading into 2026.
Mutuum Finance’s offering has reached 96% allocation, the platform has raised more than $19M, and V1 is on schedule for Q4 2025. With mtToken yield, dual lending mechanics, strong security audits, stablecoin development and layer-2 plans, the project is creating significant traction in the DeFi space. With only a small amount of supply left at $0.035, the remaining hours of Phase 6 are shaping up to be the most active and closely watched stage of the offering so far.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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