Dubai, UAE, September 19th, 2025, FinanceWire
Mutuum Finance (MUTM), a decentralized finance protocol, is progressing with its presale. The project has raised more than $16 million and has over 16,350 holders as of early 2025. Currently priced at $0.035 in Stage 6, MUTM is preparing to advance to the next phase, which will include a 14.3% price adjustment ahead of the planned launch price of $0.06.
Demand and Presale Growth
The presale presale is organized in multiple stages, with five phases completed to date. Tokens are currently priced at $0.035 in Stage 6, with a scheduled increase of nearly 15% in the subsequent round. The step-based structure is designed to adjust token pricing gradually across each phase.
From the first presale phase to the present, the token price has risen from $0.01 to $0.035, representing an increase of more than 250 percent. The planned launch price of $0.06 reflects a cumulative adjustment of up to 500 percent compared with the initial presale level. At the current presale price, the difference relative to the launch value represents nearly a twofold increase.
More than 720 million tokens have been sold, and over 16,350 holders have joined since the beginning of 2025. Mutuum Finance has introduced a ranking system for the top 50 holders, providing additional MUTM allocations at launch for participants in this group. The project has also launched a $100,000 giveaway campaign, in which ten winners will each receive $10,000 worth of MUTM tokens. These initiatives have been structured to expand participation during the presale period.
Mutuum Finance (MUTM) Product Framework
While presale progress has been noted, the foundation of Mutuum Finance lies in its product design. MUTM is a decentralized lending and borrowing protocol built around two complementary markets.
The first is the peer-to-contract (P2C) market. In this model, users deposit assets into liquidity pools, which are then made available for borrowing. Interest rates in this market are variable and adjust according to utilization levels. When liquidity is high, borrowing rates remain lower, and when liquidity is limited, rates increase to encourage additional deposits.
The second is the peer-to-peer (P2P) market. This structure enables borrowers to secure stable interest rates by matching directly with lenders. While stable rates typically begin higher than variable rates, they provide predictability and reduce exposure to volatility. Together, the two systems are designed to support different participant preferences.
Depositors in both markets receive mtTokens, issued at a one-to-one ratio with the underlying asset. For example, depositing three ETH generates three mtETH. These tokens serve as proof of deposit and accrue interest automatically. The platform also applies a buy-and-distribute model in which a portion of fees is allocated to repurchase MUTM tokens from the open market. These tokens are then redistributed to participants who stake their mtTokens, linking platform usage with token demand.
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