Mutuum Finance nears key $17m funding milestone with over 16,700 investors onboard

Mutuum Finance nears $17m with 16,700 investors, defying the 2025 presale slump with steady DeFi momentum.

The presale landscape in 2025 has been littered with projects that start strong but quickly fade, leaving little more than inflated promises and empty dashboards behind. Against this backdrop, Mutuum Finance (MUTM) has emerged as one of the few projects to maintain consistent traction from the outset. With funding now closing in on the $17 million milestone and participation from more than 16,700 investors, the protocol is positioning itself as one of the most credible and well-structured DeFi launches of the year.

Presale journey and funding progress

Mutuum Finance opened its presale in early 2025 with Phase 1 priced at $0.01 per token. The launch set the tone for what has become one of the strongest growth arcs in this cycle. Instead of depending on sudden hype, the presale was built around a structured pricing model, with each phase climbing by roughly 20%. This approach created urgency for new entrants while rewarding those who moved early with compounding gains.

Fast forward to today, the presale has already advanced through five successful stages and is now in Phase 6 at $0.035. Early participants are seeing 250% token appreciation, with clear momentum carrying through each stage. Phase 6 is more than halfway complete, meaning the transition to Phase 7 at $0.04 is not far off. According to the roadmap, the token’s official listing price is locked at $0.06, which will secure up to 500% appreciation for Phase 1 buyers and nearly a 2x MUTM value for those entering now.

The headline numbers underscore how much traction has already been achieved. To date, Mutuum Finance has raised more than $16.8 million, sold 740 million+ tokens, and attracted a holder base of over 16,700 participants. This scale of distribution provides something many presales lack: a broad and diverse community of stakeholders, reducing dependence on a handful of whales and ensuring healthier liquidity once trading begins.

Transparency and community engagement

Mutuum Finance has also introduced systems that make participation more transparent and engaging than typical presales. Its live presale dashboard allows investors to connect their wallets, monitor balances in real time, and calculate potential ROI. This functionality removes ambiguity and provides clarity, helping investors feel more in control of their contributions.

Another standout feature has been the Top 50 leaderboard, which tracks the largest contributors during presale and offers bonus allocations at launch. This gamified system has encouraged deeper participation and added a competitive element that few presales attempt. Beyond mechanics, Mutuum Finance ran a $100,000 giveaway, rewarding early supporters while simultaneously expanding visibility across the DeFi community. Together, these initiatives show how the project has combined technical execution with community-driven engagement.

Security and trust layer

In an industry where trust is often the hardest commodity to secure, Mutuum Finance has taken concrete steps to build confidence. The protocol recently completed a CertiK audit, scoring 90/100 on Token Scan, a result that places it among the stronger audited DeFi protocols in its cohort.

To reinforce this, the team launched a $50,000 bug bounty program, split across four tiers to incentivize independent developers to test and stress the code. By bringing in external scrutiny alongside its audit, Mutuum Finance signals that it values accountability and risk management. When combined with its transparent dashboard and leaderboard, these measures provide assurance that this is not just another presale chasing short-term attention but a project working toward a secure, long-term foundation.

Building toward launch

What makes Mutuum Finance’s presale stand out is that it is not simply a fundraising exercise — it is directly tied to product readiness. Many presales launch tokens and leave investors waiting for months, or even years, before there is a usable platform. Mutuum Finance has taken the opposite approach by committing to release its beta platform simultaneously with the token listing. This ensures that from day one, MUTM is not defined solely by speculation but by tangible functionality. Investors who purchase tokens will immediately have the option to become users, engaging with the protocol’s lending and borrowing features and generating real activity that strengthens token demand.

At the center of this rollout are the dual lending markets. The Peer-to-Contract (P2C) pools cater to mainstream assets such as ETH and stablecoins, where liquidity providers can supply capital and earn predictable yield, while borrowers gain instant access to funds. Alongside these sits the Peer-to-Peer (P2P) marketplace, which is designed to accommodate riskier or less liquid tokens. By isolating these agreements, Mutuum Finance ensures that higher-risk lending does not jeopardize the stability of the broader system, creating a balance between inclusivity and protection. This dual structure expands the protocol’s reach across both established and emerging assets, while still maintaining safeguards for participants.

Borrowing mechanics further highlight the protocol’s flexibility. Users can choose variable interest rates, which automatically adjust in response to supply and demand dynamics, making them suitable for those willing to navigate changing market conditions. Alternatively, borrowers who prioritize predictability can select stable interest rates, which lock in repayment costs at a small premium. This mix of options appeals to different risk appetites, broadening the appeal of the platform. Crucially, all borrowing remains overcollateralized. With strict Loan-to-Value (LTV) thresholds in place, the system ensures that borrowers must post more collateral than they withdraw, protecting the solvency of liquidity pools. If collateral values drop too sharply, automatic liquidation mechanisms intervene to keep the system stable.

Supporting this architecture is a layered oracle design intended to protect pricing integrity. Mutuum Finance plans to integrate Chainlink feeds as a primary source, while also incorporating fallback oracles, aggregated data points, and time-weighted pricing references from decentralized exchanges when liquidity permits. This redundancy helps guard against manipulation or stale data, which are common threats in lending markets. By protecting collateral valuations with multiple layers of validation, Mutuum Finance aims to prevent unfair liquidations and maintain trust in its credit markets.

Taken together, these features illustrate why the presale is more than just a fundraising campaign. By the time MUTM lists, it will already have a live beta platform, diversified lending markets, flexible borrowing structures, overcollateralized safeguards, and oracle-based price protection. This positions the token to enter the market with immediate usability, a rarity among DeFi presales, and sets the stage for a launch where adoption can begin to feed into token demand from the very first day.

To learn more about Mutuum Finance, visit the website and socials.