Mutuum Finance Expands as Token Demand Surges Ahead of Testnet Launch

Mutuum Finance (MUTM) is developing a decentralized lending protocol built to support real borrowing and lending activity directly on-chain. The system relies on two lending environments that let users lend assets, borrow against collateral, and generate yield tied to interest repayments. When users supply assets such as ETH or USDT, they receive mtTokens, which rise in value as borrowers repay interest, creating natural APY driven by protocol usage rather than emissions.

Investor Interest Rises as Funding Reaches $19.1 Million

Investor participation continues to climb. Mutuum Finance has raised $19.1 million, and the number of holders has surpassed 19,000. The project’s rising momentum reflects strong interest in its model and anticipation around its upcoming product release.

Early Token Growth Strengthens Market Attention

The token sale began in early 2025 at $0.01. The price has since climbed to $0.035, marking a 250% gain during the development period. This early acceleration has drawn significant attention as traders look for DeFi tokens showing strong initial performance. Mutuum Finance is now in Phase 6, and more than 98% of the allocation has been filled. Each phase uses a fixed price, and once it concludes, the token moves to a higher tier. With the official launch price set at $0.06, the widening gap between the current value and launch value has pushed participation even higher. The project’s 24-hour leaderboard, which rewards the top daily contributor with $500 in MUTM, has also helped sustain consistent inflow.

Token Distribution and Accessibility Expand User Base

Mutuum Finance has a total supply of 4 billion tokens, with 1.82 billion — 45.5% — allocated to early buyers. More than 810 million MUTM have already been purchased. Analysts note that this distribution strategy spreads ownership across a large user base, improving long-term protocol stability. Accessibility has also played a key role in the project’s growth, with support for card payments allowing users to enter without technical blockchain knowledge or complex wallet setups.

Development Progress Reaches Critical Milestones

The team recently confirmed that the V1 testnet will go live in Q4 2025. The first version will include the liquidity pool, mtTokens, the liquidator bot, and the debt-tracking system. ETH and USDT will be available at launch, enabling users to test essential borrowing and lending functions. Mutuum Finance is currently advancing through Phase 2 of its development roadmap, focusing on smart contract refinement, interface upgrades, lending logic improvements, analytics tools, and further internal testing. With progress accelerating and public testing confirmed, the project continues to appear on multiple lists of notable crypto projects heading into 2026.

Emphasis on Security Builds Trust Ahead of Launch

Security remains one of Mutuum Finance’s strongest pillars. The project completed a CertiK audit and earned a 90/100 Token Scan score. Halborn Security is also reviewing the lending and borrowing contracts, and the team is running a $50,000 bug bounty to identify potential vulnerabilities before the testnet goes live. These layers of protection reinforce user confidence in a sector where security standards vary widely.

Approaching the Final Stage of Phase 6

Mutuum Finance is now nearing the end of Phase 6, with more than 98% of the current supply already allocated. This stage tends to move quickly as users rush to secure the existing price before the next increase. With rising participation, audited contracts, consistent development updates, expanding community metrics, yield-generating mtTokens, and plans to support stablecoin activity, Mutuum Finance is becoming one of the standout projects in discussions about promising crypto under $0.05. More updates are expected as the project moves toward its V1 launch and continues development in Phase 2.