Mutuum Finance Enters Phase 3, Raises $20.8M

Mutuum Finance, an Ethereum-based decentralized finance (DeFi) lending platform, has confirmed its move into Phase 3 of its development roadmap. The project has successfully raised over $20.8 million from 19,000 individual investors since Q1 2025, with its token price increasing by 300% from its initial offering. Its V1 Protocol is currently live on the Sepolia testnet, boasting a Total Value Locked (TVL) of over $225 million, which provides valuable data for stability during high traffic. Key features include Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models, a native over-collateralized stablecoin, and a buy-and-distribute mechanism for its MUTM token. The platform has also implemented advanced safety features like 'One-Click' Safe-Mode Borrowing and an automated notification system. Security has been a major focus, with a manual code audit completed by Halborn Security and a high 90/100 safety score from CertiK. Whale activity, with transactions exceeding $100,000, indicates strong investor confidence in Mutuum Finance's technical foundation and future growth potential.