Mutuum Finance’s DeFi platform navigates both innovation and risk as its $18 million presale approaches its final stages

Bitget App

Trade smarter

Bitget-RWA2025/10/31 07:44

By:Bitget-RWA

- Mutuum Finance (MUTM), a Dubai-based DeFi project, has raised $18M in its presale with 17,600+ investors, nearing completion as Phase 6 approaches 80% allocation. - Its hybrid P2C/P2P lending framework combines pooled and isolated markets, using smart contracts and over-collateralization to mitigate risks in volatile crypto markets. - A 90/100 CertiK audit score and $50K bug bounty program bolster investor confidence, alongside whale inflows exceeding $100K in 24 hours. - Analysts project up to 21x retur

Mutuum Finance (MUTM), a decentralized finance (DeFi) platform based in Dubai, is moving quickly toward the release of its V1 lending and borrowing protocol as it advances through the second phase of its development plan. The project has become one of the most prominent DeFi ventures of 2025, gaining significant interest from both individual and institutional backers, according to a

GlobeNewswire release

The platform’s two-pronged lending system—featuring Peer-to-Contract (P2C) pooled markets for assets such as

ETH

and

USDT

alongside Peer-to-Peer (P2P) isolated markets for specialized tokens—has played a major role in its popularity. P2C enables users to add assets to liquidity pools to earn returns, while P2P offers tailored lending agreements for individual borrowers. This blended model leverages smart contracts and over-collateralization to maintain transparency and reduce risks in unpredictable markets, according to a

GlobeNewswire release

. The platform also features a buy-and-distribute system that shares protocol earnings with stakers, encouraging ongoing participation, as noted in a

Timestabloid analysis

Mutuum Finance’s DeFi platform navigates both innovation and risk as its $18 million presale approaches its final stages image 0

Mutuum has prioritized security and openness throughout its development. The project recently passed a CertiK audit, earning a Token Scan score of 90 out of 100, and introduced a $50,000 bug bounty to attract ethical hackers, according to a

GlobeNewswire update

. These steps have increased investor trust, especially as Phase 6 approaches 80% completion and large investors have contributed over $100,000 in a single day, as highlighted in the previous GlobeNewswire release.

The V1 protocol is expected to debut on the Sepolia Testnet in the fourth quarter of 2025, featuring essential elements such as liquidity pools, mtTokens, and an automated liquidator bot for risk management, according to the GlobeNewswire report. Lending and borrowing will initially be available for stable assets like ETH and USDT, with loan-to-value (LTV) ratios capped at 75% to ensure liquidity. For more volatile tokens, LTVs will be set between 35% and 65%, with specific liquidation thresholds to safeguard lenders, as detailed in a

GlobeNewswire release

The project’s organized roadmap and emphasis on security and scalability have drawn parallels to conventional lending services, while still delivering the efficiency of DeFi, as observed in the GlobeNewswire release.

As the platform gears up for its beta launch and eventual mainnet deployment, investors are watching closely to see how it manages innovation and risk in the competitive DeFi sector, according to the GlobeNewswire update.

Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

PoolX: Earn new token airdrops

Lock your assets and earn 10%+ APR

Lock now!

- Fed's rate hikes fail to curb tech giants' $320B+ AI spending surge, defying traditional monetary policy effectiveness. - Amazon, Microsoft, Alphabet, and Meta spent $97B+ on AI infrastructure Q3 2024, with Microsoft planning $80B 2025 data center investments. - Investor skepticism grows as Meta's 12% stock plunge contrasts Amazon's 11% rise, highlighting divergent monetization strategies and unproven AI ROI. - Private credit fuels AI expansion while Fed struggles to influence spending, raising fears of

Bitget-RWA•2025/10/31 16:26

AI Gold Rush Creates $320 Billion Bubble as Federal Reserve Measures Lose Effectiveness

LRC rises by 2.64% over 24 hours as technical signals worsen

- LRC surged 2.64% in 24 hours but fell 66.02% over one year, reflecting a severe bear market. - Technical indicators show declining 50/200-day averages and RSI near oversold levels without reversal signs. - Price volatility remains compressed within Bollinger Bands, with no clear breakout direction. - LRC's movements appear driven by internal factors like algorithmic trading rather than broader market events.

Bitget-RWA•2025/10/31 16:16

USDC Holds Steady at $1.0003 While Legal Action Prolongs Freeze on Illicit Funds

- USDC remains stable at $1.0003 as a U.S. court extends a freeze on $63M in stolen funds from the 2023 Multichain exploit. - The stablecoin’s market cap grew 72% to $74B since January 2025, surpassing USDT, driven by regulatory clarity and MiCA compliance. - Revolut now allows fee-free USD-to-USDC/USDT conversions up to €500K, enhancing accessibility across six blockchains. - USDC’s stability and cross-chain utility reinforce its role as a leading stablecoin in the evolving crypto ecosystem.

Bitget-RWA•2025/10/31 16:16

XRP News Today: Zcash’s Focus on Privacy Poses a Challenge to XRP’s Leading Role in Crypto Compliance

- Zcash (ZEC) surged 45% as privacy-focused demand outpaces XRP and Monero amid regulatory shifts. - Industry leaders like Mert and Arthur Hayes predict ZEC could surpass XRP by 2025, citing privacy's moral imperative. - Zcash's zk-SNARKs technology attracts attention in data-regulated regions, with EU transaction volumes rising 45% YTD. - XRP's $152.8B market cap contrasts with ZEC's $5.8B growth, highlighting tension between transparency and anonymity. - U.S. Treasury guidance and EU MiCA framework valid

Bitget-RWA•2025/10/31 16:04