 | Mutuum (MUTM)   |
Mutuum Finance is a decentralized protocol that enables users to lend and borrow various digital assets through both pool-based (P2C) and direct (P2P) models. It aims to offer accessible liquidity, flexible interest rates, and a broad selection of supported tokens-catering to diverse risk profiles and strategies within the evolving DeFi ecosystem.
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EthereumWhat is Mutuum
Mutuum (MUTM) is a decentralized, non-custodial liquidity protocol that enables users to engage as lenders, borrowers, or liquidators. Lenders deposit their crypto assets into Mutuum’s liquidity pools to earn interest, while borrowers can obtain overcollateralized loans by securing them with sufficient collateral.
Lenders contribute to liquidity by depositing cryptocurrencies into a pooled contract. Concurrently, borrowers can access these funds by providing collateral within the same contract. This system does not require individual loan matching but instead operates based on the collective pool of funds and the associated collaterals and borrowings.
Mutuum’s interest rates for both lenders and borrowers adjust automatically based on market conditions. For borrowers, the variable rate is tied to the available funds in each liquidity pool: when a high portion of the pool’s assets is borrowed, the borrowing rate increases. This mechanism encourages a balanced utilization of capital.
Meanwhile, lenders earn yields that align with the borrowers’ interest payments, and a reserve factor helps ensure that liquidity remains accessible at all times. By maintaining this liquidity buffer, Mutuum aims to provide lenders with uninterrupted access to their deposits. This dynamic model rewards stakeholders who supply capital while preserving sufficient on-chain liquidity for borrowers across the ecosystem.
Mutuum Roadmap
- Initiation of the Presale
- Launch of Marketing Campaigns for Community Growth
- Commencement of the Giveaway
- External Audit of MUTM Smart Contract
- Listing on Tracking Platforms
- Creation of Educational Content on Mutuum (Functionality, Principles, Algorithm)
- Implementation of an AI-Powered Helpdesk
- Formation of a Legal and Compliance Team
- Commencement of Core Smart Contract Development
- Initiation of DApp Front-End Development
- Beginning of Back-End Development and Infrastructure Setup
- Implementation of Advanced Features
- Regular Code Reviews by Internal Auditors
- Regular Code Reviews by External Auditors
- Implementation of Risk Parameters
- Development of Advanced Analytics Tools
- Establishment of Bug Reporting System
- Beta Testing of the Demo Version on Testnet
- Launch of Functional Demo Version
- Preparation for Exchange Listings
- Completion of Core Smart Contract Development
- Completion of DApp Front-End Development
- Completion of Back-End Development and Infrastructure
- Final Security Check and Extensive Audit by Multiple External Firms
- Finalization of Documentation
- Regulatory Compliance Alignment
- Conclusion of the Presale
- Launch of the Live Version of the Mutuum Platform
- Listing of the MUTM Token on Exchanges
- Activation of the MUTM Claim Process
- Establishment of a Bug Bounty Program
- Achievement of Regional Compliance
- Initiation of Institutional Partnerships
- Development of Advanced Features
- Expansion to Multiple Blockchain Networks
- Implementation of Platform Enhancements
- Talent Acquisition Plan
Token Sale Dates
ICO
Token Allocation
Token distribution
10% - liquidity mining & incentives
45.5% - presale
4.5% - team & founders
5% - incentives & giveaways
5% - partnerships
10% - liquidity
10% - shortfall reserve
10% - ecosystem growth
Token Price and Payment Options
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