The world of decentralized finance is waiting for a major shift. While many projects make big promises, very few actually deliver a working system. Today, a quiet momentum has turned into a loud signal. A project that began as a simple plan has officially crossed the line into a live, functional ecosystem. Those who have been watching the technical milestones know that something big is about to happen. The engine is ready, the code is locked, and the first major results are finally here.
Introducing Mutuum Finance and the V1 Launch
Mutuum Finance (MUTM) has officially launched its V1 protocol on the Sepolia testnet. This is a huge step because it shows the technology is real and ready to use. This beta release lets the community test the core lending markets without using real money.
The V1 protocol brings several new features to the table. First, it has Liquidity Pools for major assets like ETH, USDT, LINK, and WBTC. These pools use interest rates that change based on how much people are borrowing. When you deposit your crypto, you get mtTokens. These act as receipts that grow in value over time as the protocol earns interest. There are also Debt Tokens to track loans and an automated Liquidator Bot that keeps the system safe by managing risky positions.
The protocol uses two main ways to lend and borrow. The first is Peer-to-Contract (P2C), where you interact directly with smart contract pools for instant transactions. The second is Peer-to-Peer (P2P), which allows users to set their own custom terms and match directly with others. This dual system gives users more choice and flexibility in how they manage their assets.
The Presale and the Road to $0.06
The interest in this project is clear from its fundraising. Mutuum Finance has raised over $20.1 million so far. It has a growing community of more than 19,900 holders. This high level of support shows that people want assets that have real utility.
The MUTM token is currently in Phase 7 of its presale. It is priced at $0.04 per token. This is a massive 300% increase from the Phase 1 price of $0.01 in 2025. The official launch price is set at $0.06. This means people joining now are still getting a 50% discount before MUTM hits the launch price.
Out of the 1.82 billion tokens for the presale, over 835 million have already been sold. The project also gives away a $500 bonus in MUTM every day to the top contributor on their leaderboard to keep the community active.
2026-2027 Price Prediction
Analysts are very bullish on MUTM for 2026 and 2027. They see several growth catalysts that could push the price much higher than the $0.06 launch. One big reason is the “buy-and-distribute” model. The protocol will use some of its revenue to buy MUTM from the market and give it to mtToken stakers in the safety module. This creates a constant “buyer” in the market, which helps keep the price stable.
Experts also point to the roadmap, which includes a native stablecoin and a move to Layer-2 networks like Arbitrum. These steps will make the platform faster and cheaper to use. Many analysts realistically see MUTM targeting a price between $0.25 and $0.45 in the short term.
A move to $0.25 would be a 525% increase from the current price. As long as MUTM hits $0.45, that is a 1,025% gain. Some long-term forecasts even suggest a target of $3.50 by the end of 2026 as more people start using the lending platform.
Security and the 50% Discount
Security is where Mutuum Finance stands out. The team has completed a full audit with Halborn, a world-class security firm. They also have a high 90/100 score from CertiK. These audits prove that the code is safe and the system works as intended. To stay secure, they even have a $50,000 bug bounty to reward people who find any issues.
Because the protocol is so secure and already has a working testnet, the current $0.04 price is seen as a rare opportunity. With the launch price confirmed at $0.06, investors are getting an immediate 50% head start. As the project moves closer to its full mainnet release, the remaining presale tokens are expected to sell out very quickly.
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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