Dubai, UAE, November 29th, 2025, Chainwire
Mutuum Finance (MUTM) has announced continued progress toward its V1 decentralized lending protocol release, confirming that the system is finalized and undergoing review ahead of a planned Sepolia testnet launch in Q4 2025.
Token Offering Status
Mutuum Finance (MUTM) has progressed through multiple stages of its offering during 2025. The token opened at $0.01, and the price has since moved to $0.035, reflecting a 250% change from the initial phase. According to the project, more than $19 million has been raised, with over 18,200 holders participating. Out of the 4 billion total supply, 1.82 billion tokens were allocated for the offering, and more than 800 million have been acquired.
Phase 6 is reported to be 97% allocated, leaving a small portion available at the current price. The offering structure includes a planned progression toward a $0.06 launch price as subsequent phases are completed.
Lending Protocol Design
Mutuum Finance is designing a decentralized lending and borrowing protocol intended for DeFi applications. The system includes two lending structures that support both pooled and peer-matched borrowing interactions. These methods are intended to provide flexibility while maintaining defined borrowing environments and risk controls.
mtTokens are a core component of the platform. When assets are supplied to the protocol, mtTokens are issued and designed to accrue value based on borrower interest generated through the lending system. This structure links mtToken performance to protocol utilization rather than inflationary reward models.
The protocol also incorporates a buy-and-distribute mechanism in which a portion of revenue is used to purchase MUTM on the open market. Purchased tokens are redistributed to participants who stake mtTokens in the safety module.
Security Measures
Security is identified as a core focus for the project. Mutuum Finance reports completing a CertiK audit with a 90/100 Token Scan score and notes that Halborn Security is reviewing the finalized lending and borrowing contracts. This dual-layer security process is intended to support the protocol as it approaches its V1 release.
Stablecoin Roadmap and Oracle Systems
Mutuum Finance is developing an on-demand minted and burned stablecoin pegged to USD. Interest associated with this stablecoin is intended to support the Mutuum Treasury and contribute to long-term operational stability.
The project plans to integrate decentralized oracle services, fallback data sources and on-chain pricing tools. These systems are designed to support accurate liquidation processes and consistent borrowing calculations, including during market volatility.
V1 Launch Plans and Phase 6 Status
According to official communications, V1 is planned to launch on the Sepolia testnet in Q4 2025. This release is expected to include the liquidity pool, mtTokens, the debt-token system and the liquidation bot, with major digital assets supported at launch. The project has stated that it intends to have a functional protocol available prior to exchange listings.
Phase 6 remains in its final stages, with 97% allocated at the current offering price. The project reports increased activity compared to earlier phases. Under the current sale structure, remaining phases are scheduled to move the offering price toward the planned $0.06 launch level.
Mutuum Finance combines a multi-phase token offering with a lending protocol, mtToken mechanics, security audits, a stablecoin roadmap and a planned testnet release in Q4 2025. The token has moved 250% from its initial price, with $19 million raised and thousands of holders participating as the offering progresses.
About Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a DeFi lending and borrowing project developing a protocol with dual lending structures, interest-bearing mtTokens, a buy-and-distribute mechanism and integrated oracle-based pricing tools. The project reports having completed a CertiK audit with a 90/100 Token Scan score and engaged Halborn Security to review its lending and borrowing contracts. Its roadmap includes a USD-pegged stablecoin designed to route interest to the Mutuum Treasury, alongside a planned V1 deployment on the Sepolia testnet in Q4 2025.
For more information about Mutuum Finance (MUTM), users can visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Contact
J. Weir
contact@mutuum.com
The post With 97% of Phase 6 Completed, Mutuum Finance Reports Progress Ahead of Its Q4 2025 V1 Testnet appeared first on Chainwire.