Mutuum Finance (MUTM)

Mutuum Finance Tokenomics Overview

Mutuum’s 4 billion MUTM token supply prioritizes community participation and long-term protocol stability. The presale allocates 45.5% of tokens at discounted prices, while liquidity mining and ecosystem growth receive 20% combined.

The protocol reserves 10% for shortfall coverage during extreme market conditions, and the team holds just 4.5% with vesting schedules to prevent early dumps.

Here is the token allocation table:

Contract Address: 0x26BdEe9E66575319D5599569dFB39f543cFA8721

The presale runs in stages with increasing prices per phase. Early participants lock in lower entry points before exchange listings. MUTM serves as the protocol’s utility token for dividend distribution. To track Mutuum alongside other opportunities, visit our ICO calendar.

Mutuum uses platform revenue to buy MUTM at market price, then distributes it to stakers, creating sustained buying pressure alongside passive income for holders.

Mutuum Finance Development Roadmap

Mutuum’s rollout follows a four-phase structure from presale launch through full platform deployment.

As of Q1 2025, the project has completed Phase 1 (community building, MUTM audit, and marketing launch) and entered Phase 2 with active development of core smart contracts and the DApp interface.

The roadmap emphasizes security through regular internal and external audits before mainnet launch, with multi-chain expansion planned after Ethereum deployment proves stable.

Development Phases:

The protocol targets Q2 2025 for mainnet launch on Ethereum. Mutuum will join other upcoming crypto projects launching in 2025, with gradual expansion to additional EVM and non-EVM chains throughout late 2025. This phased deployment allows Mutuum to test core functionality before scaling across multiple networks.

Team

The Mutuum Finance team operates with a mixed approach; core developers maintain pseudonymous profiles, while business development and compliance personnel are publicly identified.

The project established a dedicated legal and compliance team during Phase 1 to deal with regulations across various jurisdictions. Technical leadership includes experienced blockchain engineers with backgrounds in DeFi protocol development and smart contract security.

Audit & Security

Mutuum completed an external audit of its MUTM token contract during Phase 1.

Core smart contracts undergo continuous review by both internal security specialists and external auditing firms throughout Phase 2 development. The protocol plans comprehensive audits by multiple independent firms before mainnet launch in Phase 3, covering lending logic, liquidation mechanisms, oracle integration, and collateral management systems.

Is Mutuum Finance Legitimate?

Mutuum shows transparency through published tokenomics, a detailed development roadmap, and ongoing audit processes. The project maintains active community channels (like X and Telegram), regular progress updates, and verifiable smart contract code (open source).

The dual-model lending approach is documented in technical specifications with clear risk parameters and liquidation mechanics. However, the protocol remains pre-launch, so actual performance, adoption rates, and security in live conditions are unproven.

Platform functionality, multi-chain expansion, and the dividend mechanism’s effectiveness require real-world validation.