One of the newer entrants in the DeFi lending space, Mutuum Finance (MUTM) has just completed Phase 1 of its roadmap—and the progress is worth noting. Unlike many hype-driven projects, Mutuum emphasises transparency, execution and security. It has cleared a smart-contract audit scoring 90/100, launched an AI-powered helpdesk, built its compliance team and is now advancing toward the upcoming V1 Protocol launch on Sepolia Testnet later this year.
The project’s architecture is dual-pronged: first, a pooled-lending market where users deposit major tokens like ETH or USDT into smart-contract-governed liquidity pools and receive interest-bearing mtTokens as collateral receipts; second, a peer-to-peer (P2P) custom lending marketplace which allows smaller or niche assets to be lent and borrowed under individually negotiated terms. This flexibility is designed to attract both mainstream assets and emerging tokens.
On the funding side, the presale has raised over $17.8 million, attracted over 17,400 holders, and sold ~770 million tokens out of a 4 billion supply. The structured model—fixed-price phases with built-in price escalations—offers transparency and smoother investor entry compared to many earlier projects.
From a DeFi perspective, what makes Mutuum interesting is its emphasis on long-term delivery rather than quick token gains. In a market where many protocols struggle to deliver, Mutuum’s execution-first stance may appeal to increasingly discriminating investors. If the V1 launch is smooth and liquidity builds, this could mark a meaningful shift in how DeFi lending is structured in 2025.
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