The crypto market is gradually moving from waiting to planning. Investors are becoming more selective, looking beyond hype and focusing on projects with structure and real use. Mutuum Finance (MUTM) is gaining attention as it remains in presale phase 7 at $0.04. With a clear roadmap and growing interest, many see this stage as an early positioning opportunity. The project is being introduced as utility-focused, aiming to support real on-chain activity and long-term participation. As the presale progresses toward $0.05 and an intended listing price of $0.06, investors are increasingly evaluating MUTM for its forward-looking growth potential.
Presale Momentum Signals a Closing Window
Mutuum Finance (MUTM) has a total supply of 4 billion tokens, structured across multiple presale phases. Combining all phases so far, the project has generated around $19.97 million, showing consistent participation from early supporters. The current presale phase is phase 7, where the token price stands at $0.04. Over 19,000 holders have already joined across all phases, reflecting steady organic growth rather than short-term speculation.
In phase 7 alone, 180 million tokens are allocated, and 8% of that supply has already been sold. This steady uptake suggests growing confidence as the project progresses toward launch. Investors entering at this stage are still buying at a discounted price compared to the listing price of $0.06.
The price difference is significant when viewed through a real example. An early participant who reallocated funds from established assets like Ethereum (ETH) or Saolana (SOL) during phase 1 bought MUTM at $0.01. At the current phase 7 price of $0.04, that position already reflects a 4x increase, or a 300% gain. When the token reaches its listing price of $0.06, that same early position reflects a 6x return, translating into a 500% gain from the original entry.
The ecosystem is further supported by engagement incentives. The upgraded 24-hour leaderboard now rewards the top-ranked user each day with $500 in MUTM, provided at least one transaction is completed during that period. The leaderboard resets daily at 00:00 UTC, encouraging consistent interaction and liquidity flow.
Utility-Driven Growth Through Dual Lending and Smart Token Economics
At its core, Mutuum Finance (MUTM) is being built as a lending and borrowing protocol designed to create continuous, real demand for MUTM. The platform introduces two lending models, Peer-to-Contract and Peer-to-Peer, each serving different risk profiles while maintaining overall protocol stability.
In the P2C model, users will pool assets such as USDT and Solana (SOL) into audited smart contracts. Borrowers will access this liquidity by providing overcollateralized collateral. Interest rates will adjust dynamically based on pool utilization, creating a self-balancing system that encourages deposits and controls borrowing pressure. When users deposit funds, they receive mtTokens at a 1:1 ratio, representing their share of the pool and accumulating interest over time. These mtTokens will also be usable as collateral, adding flexibility to capital management.
For higher-risk assets such as meme coins like Dogecoin (DOGE) and TRUMP, Mutuum Finance (MUTM) introduces a separate P2P lending model. In this structure, lenders and borrowers negotiate terms directly, including interest rates and loan duration. There is no shared liquidity pool, which isolates risk and protects the core protocol while offering higher return opportunities for experienced users.
All loans across both models require overcollateralization. The protocol uses a Stability Factor to monitor loan health and trigger liquidation when thresholds are breached. Liquidators repurchase outstanding debt at a discount, ensuring system solvency without spreading bad debt across users.
Managing market volatility and liquidity is central to Mutuum’s design. Adequate on-chain liquidity ensures liquidations occur smoothly without excessive slippage. Loan-to-Value ratios and liquidation thresholds are calibrated based on asset volatility. Lower-volatility assets like stablecoins and ETH sustain higher LTVs up to 8%, while more volatile tokens operate within tighter ranges. Reserve factors adjust according to asset risk, maintaining protocol health while supporting broad participation.
Halborn Audit Report and Upcoming Protocol Launch
Trust is further reinforced by security. Mutuum Finance (MUTM)’s smart contracts underwent a formal audit by Halborn, a respected blockchain security firm, in November 2025. The audit identified six issues, including one high-severity finding, all of which were fully resolved before completion. Halborn confirmed that 100% of reported findings were remediated, highlighting strong code integrity and proactive risk management as the protocol advances further.
As part of its beta launch, Mutuum Finance (MUTM) is developing its V1 lending and borrowing protocol on the Sepolia Testnet. Core components include liquidity pools, mtTokens, debt tokens, a liquidator bot, and more. Initial assets supported for lending, borrowing, and collateral will be ETH and USDT, giving the platform immediate real-world utility at launch.
MUTM Buybacks Drives Value
Beyond lending mechanics, Mutuum Finance (MUTM) integrates a unique buy-and-distribute model designed to support long-term token growth. A portion of protocol revenue generated from borrowing fees will be used to buy back MUTM tokens from the open market. These tokens will then be distributed to users who stake mtTokens, directly tying rewards to real platform activity rather than inflationary emissions.
This system creates consistent buy pressure as usage grows. Active participants benefit from regular MUTM rewards, while the broader market experiences sustained demand driven by revenue-backed buybacks. This structure favors engagement and long-term holding, reinforcing MUTM’s appeal as a new crypto coin built around real economic cycles.
Mutuum Finance (MUTM) stands out as a structured, utility-driven crypto investment at a stage where the entry price still favors early action. With the token priced at $0.04 in presale phase 7, a listing price of $0.06 ahead, and multiple demand drivers tied directly to platform usage, the narrative around MUTM is shifting quickly. As investors prepare for the next bull run, many are positioning now, recognizing that opportunities under $0.05 rarely remain open for long.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses.
