Company Mutuum Finance (MUTM) Phase 6 Presale Nears Sold-Out as Decentralized Lending Protocol Prepares Sepolia V1 Testnet

Company Mutuum Finance (MUTM) is positioning itself as an early-stage, demand-driven lending protocol attracting long-term investors during its Phase 6 presale. Currently priced at $0.035 and reflecting a 250% increase from the initial presale price of $0.01, MUTM has a fixed total supply of 4 billion tokens, with 45.5% (1.82 billion tokens) allocated to presale. Phase-based pricing increments of roughly ~15–20% per phase create urgency for early entrants and underline how timing and structure influence returns for long-term oriented investors.

The protocol is being developed as a decentralized, non-custodial lending and borrowing platform with two complementary lending models: Peer-to-Contract and Peer-to-Peer. In the Peer-to-Contract model, lenders pool assets (stablecoins and established cryptocurrencies) into audited smart contracts. Borrowers access liquidity with overcollateralized positions while interest rates dynamically adjust based on pool utilization—rising when demand increases and easing when liquidity is abundant. Depositors receive mtTokens representing their share of the pool and accrued interest; these mtTokens can be used as collateral to unlock additional capital without withdrawing initial deposits.

For higher-volatility assets, Peer-to-Peer markets isolate tokens such as PEPE and TRUMP away from main liquidity pools to protect system integrity. Lenders and borrowers negotiate terms directly in that environment, accepting higher counterparty risk for potentially greater returns. Across both models, loans remain overcollateralized and monitored via a Stability Factor. When collateral falls under thresholds, liquidations occur and liquidators repurchase debt at a discount to restore system balance while preventing loss cascades.

Security assurances have been strengthened by an ongoing independent audit: the team announced that Company Halborn Security is auditing the finalized codebase, testing for vulnerabilities, logic flaws, and exploit risks. This step signals a professional commitment to safety that long-term investors expect.

Incentives and on-chain activity are reinforced through an upgraded 24-hour leaderboard that rewards the top daily participant with $500 in MUTM tokens (minimum one transaction required within 24 hours). The leaderboard resets at 00:00 UTC, promoting continuous engagement and consistent participation during the presale and testnet phases.

On risk management and liquidity: the protocol emphasizes efficient liquidation mechanisms to avoid severe price slippage during distressed exits. Asset-specific Loan-to-Value (LTV) ratios and liquidation thresholds will be applied—lower-volatility assets like stablecoins and ETH will permit higher LTVs (up to 98%), while volatile tokens will have tighter ranges. Reserve factors will vary from approximately 10% for stable assets to 55% for higher-risk tokens, balancing yield and capital protection.

Roadmap and testnet rollout: Company Mutuum Finance plans to deploy Protocol V1 on the Sepolia Testnet in Q4 2025, initially supporting assets such as ETH and USDT for lending, borrowing, and collateral. Testnet deployment will let the community interact with the protocol under real conditions, provide feedback, and help identify operational improvements before mainnet launch. As on-chain participation grows during testing, awareness and confidence in the ecosystem may increase, supporting longer-term demand for the MUTM token.

Market momentum: Phase 6 is reported to be 98% sold out, and the next phase will raise the token price by roughly 15% from $0.035 to $0.040. For investors prioritizing early-stage, structured projects over short-term chart noise, Company Mutuum Finance represents a product-centric opportunity where protocol utility, tokenomics, and security measures combine to drive demand.

For more official information visit the project website at Company Mutuum Finance or the project Linktree at https://linktr.ee/mutuumfinance. Note: this article is drawn from a sponsored press release and is for informational purposes only; it does not reflect the views of Company Crypto Daily and should not be considered legal, tax, or investment advice.