The crypto industry usually addresses the wrong side of the market without the masses realizing why. Months of silence in a project may be spent, and one concrete update may change the atmosphere. One of such updates is security. By the end of an audit, many traders consider an audit as a green light since it minimizes one of the largest unknowns in DeFi.
This is the reason why Mutuum Finance (MUTM) is beginning to appear more and more in new crypto searches at the moment. The token remains below $0.1, though the undertaking is accumulating evidence points to the direction of V1. According to some market commentators this would be the kind of set-up that can reprice quickly once the attention is realized.
The Way That Mutuum Finance Will Be Used
Mutuum Finance (MUTM) is a DeFi crypto project that is an Ethereum based one that is constructing a non custodial lending and borrowing protocol. It explains two market directions that will address various requirements.
The former is the P2C, that is, pool based lending. Depositors put money to the shared pools and borrowers withdraw the money to the shared pools. Rates are dynamic with utilization, that is the amount of the pool that is being borrowed. Annually when the liquidity is high the rates are lower. Rates will increase when liquidity becomes restricted to persuade repayment and attract more deposits as returns can increase by lending institutions.
To see the behaviour of the model a simple APY example is presented. Deposit APY could be between 3-4% when the pool is lightly used. Should the demand of borrowing increase and utilization level increase then the same pool may shift from 7% to 9%. Such figures are illustrations of the way utilization-based models can shift, rather than set guarantees.
The second is P2P matching. In this framework, borrowers and lenders are able to match directly on agreed terms. This can assist users that wish to have a more effective bar of control over conditions than just using pool rate swings. Under some conditions, stable interest rates of borrowing are also described by Mutuum Finance. The stable rates tend to be higher than the variable rates, but their repayments are more predictable. A rebalancing concept is also defined, which lets the stable rates change in case the market situation changes radically and the disparity becomes excessively high.
The Momentum and Supply Flow
In early 2025, the token sale commenced and has passed through fixed stages. According to Mutuum Finance, MUTM began at $0.01 during Phase 1. Phase 7 is active and MUTM is selling at $0.04, which is a 300% increase in stages. Mutuum Finance also mentions an official price at launch as $0.06, which would be a 500% increase to Phase 1 participants against that point. The traction side is also inspected. Mutuum Finance has raised 19.6M and approximately 18700 holders
Due to the fixed allocation of each stage, demand has the ability to accelerate stage sellouts. One of the stages sells out, and the other one begins at an increased price. The simulated building is one reason why MUTM continues to feature in the potential best cheap crypto to buy now topics.
Mutuum Finance has also a 24-hour leaderboard where the best contributor per day can win $500 of MUTM. The project also states that it has card payment access. This information assists in constant involvement as the sale goes on.
Halborn Security Audit
Mutuum Finance (MUTM) said V1 Protocol on Sepolia testnet will be prepared first, which will be followed by finalizing on mainnet, stating that it is coming soon. V1 incorporates the main elements of the Liquidity Pool, the mtToken, and the Debt token, and a Liquidator Bot. The first assets to be listed in terms of lending, borrowing and collateral are ETH and USDT.
The driver of security here is the headline. According to Mutuum Finance, Halborn security had an independent audit of their V1 lending and borrowing protocol. It also uses a CertiK token scan grade of 90/100 and mentions a $50k bug bounty.
In the case of a DeFi crypto protocol, this is significant since the collateral, interest accounting, and liquidation logic are the areas where failures can increase as liquidity increases. A bug bounty and independent audit decreases the level of uncertainty and can further increase the range of buyers that would follow the project.
A small group of analysts feel that because there is an increasing V1 moving up, and more attention, MUTM may experience a post-launch re-pricing window. In a bullish scenario, the estimates indicate that it will be shifting away at $0.04 and instead to a more realistic figure at about $0.30 over time which is approximately a 7.5x scenario. It is a simulation whose changes in early-stage DeFi tokens can be modeled using their exposure to the real execution.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
