Mutuum Finance: A New Way to Lend and Borrow in DeFi

Mutuum Finance is making waves in the decentralized finance (DeFi) world. It's a platform where people can lend and borrow money without needing a bank. The project is gaining traction, with over $18. 9 million raised and more than 18, 200 holders. The presale is in its sixth phase, and it's almost sold out. This means the price will go up soon, as the project moves to the next phase. The team behind Mutuum Finance is working hard to make DeFi more accessible. They are building a platform that offers pooled lending markets, isolated peer-to-peer lending, and automated interest systems. Users will have full control over their assets, which is a big deal in the DeFi space. The presale started at $0. 01 and has steadily increased to $0. 035 in Phase 6. This is a 250% increase from the initial stage. The confirmed launch price is $0. 06, which means the current phase is nearly 2x below the listing level. Compared to Phase 1, the total difference to launch reflects about 600% growth. Mutuum Finance is not just about raising money. They are also focused on development and security. The first version of their lending and borrowing protocol is scheduled for the Sepolia testnet in Q4 2025. This will give users their first opportunity to see how the protocol will operate once fully launched. The team has also initiated a contract audit with Halborn Security, a leading blockchain auditing firm. This is an important milestone ahead of the public testing phase. Regular progress updates will be shared as the audit continues. Mutuum Finance offers a flexible lending system that adjusts automatically to market demand. When a user deposits an asset like ETH into the liquidity pool, they receive mtTokens in return. These tokens gradually increase in redeemable value based on borrowing demand. For example, depositing 1 ETH and receiving 1 mtETH would allow the redeemable value to rise over time if the pool generates an annual percentage yield of around 5%, eventually reaching 1. 05 ETH without requiring manual claiming. Borrowing mechanics follow a similar rule-based structure. If a user deposits $1, 000 in USDT as collateral, and the loan-to-value ratio for that asset is set at 75%, the user can borrow up to $750 in another supported token. The position remains safe as long as the collateral maintains its required stability, and users can add more collateral or repay at any time. Liquidation thresholds for stable assets generally sit near 80%, offering borrowers a buffer before any automatic liquidation occurs. Mutuum Finance is designed to offer a flexible lending system that adjusts automatically to market demand. The team also outlined future plans for an on-demand stablecoin that will be minted when borrowed and burned on repayment. This feature is intended to provide instant stable liquidity without relying on pre-existing pools, while channeling interest from stablecoin borrowing directly into the treasury to support long-term reserves.