Building a Dual-Model Lending System
Mutuum Finance is developing a decentralized lending and borrowing protocol built around a dual-market structure. The system will support pooled lending through its liquidity engine and also offer an isolated marketplace for separate borrowing pairs.
As the team works toward V1, interest in the project has climbed. Mutuum Finance has already raised over $19 million, showing that the community is growing fast. At the same time, the project now has more than 18,000 holders, placing it among the top crypto launches of the year in terms of early participation.
The design of the protocol focuses on transparency and control for both lenders and borrowers. Users who supply assets receive mtTokens, which are interest-bearing deposit tokens linked to yield growth inside the liquidity pool. Borrowers will access credit based on defined loan-to-value limits, while the system’s liquidation bot handles risky positions. This structure has helped Mutuum Finance stand out among new crypto projects in 2025.
The MUTM token is currently priced at $0.035 during the ongoing Phase 6 of the presale. This stage has moved quickly, with the allocation now approaching full completion. The token began its journey at $0.01 in early 2025, meaning the price has climbed around 250% since the start of the offering.
The presale framework uses fixed token prices and fixed allocations for each phase. When demand increases, a phase sells out faster and moves to the next preset price. This design has played a strong role in the speed of the current round.
A unique feature supporting engagement is Mutuum Finance’s 24-hour leaderboard, where the top daily contributor receives $500 in MUTM. This mechanic has helped increase activity inside the presale and has drawn more visibility to the project’s token release.
V1 Protocol Release and Development Progress
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This includes the liquidity pool for supply and borrowing markets, the mtToken issuance model, the debt token for borrow tracking, and the liquidation bot that maintains system balance. ETH and USDT will serve as the first supported assets for lending, borrowing, and collateral use.
This stage of development marks the shift from planning to execution. Many long-term investors watch for this transition because it shows that the project is passing the concept stage and entering real delivery. For a new crypto building a full DeFi framework, the V1 release is a major milestone.
Phase 2 of the roadmap also focuses on deeper development: front-end and back-end expansion, risk parameter setup, analytics tools, and advanced feature construction. These updates have continued throughout the year and point toward a strong push leading into the testnet go-live.
A Strengthening Position in the Top Crypto Market
Mutuum Finance now sits in a stronger position than earlier in 2025. The combination of rising funds, increasing holder count, and near-completion of Phase 6 has helped shape the project’s public momentum.
With more than $19 million raised, a rapidly growing community, and a clear technical roadmap leading to the V1 testnet release, the project continues to gain visibility across the new crypto sector. Its design places it among DeFi crypto projects aiming to secure a leading position going into 2026.
The coming months will be important. As development advances and the presale allocation moves closer to its limit, the market’s attention is shifting toward how Mutuum Finance will perform once the protocol begins live testing.
For more information about Mutuum Finance (MUTM) visit the links below:
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