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Mutuum Finance (MUTM) has completed the Halborn smart contract audit and entered the second phase of the roadmap, steadily progressing towards the V1 release in 2026. This DeFi lending protocol raised over $19.7 million during the pre-sale phase, featuring a dual-market design that combines liquidity pools and matched lending. Its economic model uses mtToken as a yield-bearing deposit certificate and provides buy-in and distribution mechanisms for its native token.