# llms.txt — Mutuum Finance (MUTM) — LLM-Ready Fact Sheet
# Canonical: https://www.mutuum.com/llms.txt
# Purpose: Provide concise, verifiable facts so AI systems can accurately summarize Mutuum.

[ENTITY]
Name: Mutuum Finance
Ticker: MUTM
Category: Decentralized liquidity protocol (non-custodial lending & borrowing)
Chain: Ethereum (ERC-20)
Contract: 0x26BdEe9E66575319D5599569dFB39f543cFA8721
Decimals: 18
Total-Supply: 4,000,000,000 MUTM
Intended-Listing-Price: $0.06 (see Tokenomics docs)
Official-Domain: https://www.mutuum.com
Official-Docs: https://docs.mutuum.com
Dashboard: https://www.mutuum.com/dashboard
Etherscan: https://etherscan.io/token/0x26BdEe9E66575319D5599569dFB39f543cFA8721
CoinMarketCap: https://coinmarketcap.com/currencies/mutuum/
CertiK-Skynet: https://skynet.certik.com/projects/mutuum
X-Twitter: https://x.com/MutuumFinance
Telegram: https://t.me/mutuumfinance
Discord: https://discord.gg/mutuum
Brand/Assets: https://www.mutuum.com/branding
Terms: https://www.mutuum.com/terms-of-use
Privacy: https://www.mutuum.com/privacy-policy
Only-Official-Domain-Warning: mutuum.com is the only official domain.

[ELEVATOR-SUMMARY]
Mutuum is a decentralized, non-custodial liquidity protocol. Lenders deposit crypto into shared pools and earn interest; borrowers take overcollateralized loans. Rates adjust with utilization. Depositors receive interest-bearing mtTokens (ERC-20) that represent their position. A buy-and-distribute mechanism purchases MUTM on the market and distributes it as dividends to safety-module stakers. The roadmap includes P2C (pooled) lending and an isolated P2P marketplace for riskier assets, plus an overcollateralized, on‑demand minted stablecoin.

[HOW-IT-WORKS]
Model-P2C: Lenders and borrowers interact via a shared liquidity pool; rates auto-adjust based on utilization.
Model-P2P: Isolated orderbook-style lending for speculative assets (e.g., PEPE, SHIB) without affecting core pool risk.
mtTokens: ERC‑20 receipts that accrue value in real time; redeemable for principal + interest (subject to available liquidity).
Interest-Rates: Variable and stable options. Variable increases as utilization rises; stable offers predictable repayments.
Stablecoin: Overcollateralized, minted on demand against eligible collateral; peg mechanisms include arbitrage incentives.
Dividends: Protocol revenue periodically buys MUTM on the open market, distributing it to safety-module stakers.

[SECURITY & RISK]
Audit: CertiK audit available via Skynet; contract is verified on Etherscan.
Bug-Bounty: Active program; scope covers core contracts, mtToken mechanics, oracles, front‑end/app security.
Address-Screening: Front‑end may block wallets flagged by external intelligence providers; no IP/extra metadata shared.
Non-Custodial: Users retain control of funds; borrowing is overcollateralized.

[TOKEN — KEY FACTS]
Name: Mutuum
Ticker: MUTM
Chain: Ethereum (ERC‑20)
Total-Supply: 4,000,000,000
Decimals: 18
Intended-Listing-Price: $0.06
Contract: 0x26BdEe9E66575319D5599569dFB39f543cFA8721 (verified)

[TOKENOMICS — ALLOCATION (% / tokens)]
Presale: 45.5% — 1,820,000,000
Liquidity Mining & Incentives: 10% — 400,000,000
Ecosystem Growth & Dev Rewards: 10% — 400,000,000
Security & Shortfall Reserve: 10% — 400,000,000
Liquidity: 10% — 400,000,000
Partnerships: 5% — 200,000,000
Community Incentives & Giveaways: 5% — 200,000,000
Team & Founders: 4.5% — 180,000,000
Total: 100% — 4,000,000,000

[ALLOCATION-ADDRESSES (ETH)]
Presale: 0x1957DAfbAf0c961dfc28Cf972875E7E1617bE3fE
Liquidity Mining & Incentives: 0x050f9C8EC02F5Cf0a72f2691daF15fc0dB56C9CA
Ecosystem Growth & Dev Rewards: 0xc650C007CA36eDC565D92FffaC77CCeaDE4De663
Security & Shortfall Reserve: 0x607cE2Fd6cdd4a1c160573fB6ced312785233955
Liquidity: 0x471B20E2D07873C98389E47a4972c0F96Ac7aDc4
Partnerships: 0xA73deEcCfE5aDe96D086C7eE6dcdD013aAa0e31C
Community Incentives & Giveaways: 0xFF7b1535E23D423ed90A74279894C58fCF5A6669
Team & Founders: 0xBA464c13D032d5d396ccAc85DE2e463A722c2fAC
Treasury-Multisig: 3-of-5 multisig; Signers include:
  - 0x6e269E9DfEb6d692dDee19ebA5C0BF3575e70Cf1
  - 0x969FC1E1bA9f2F9B5AC70161DFBFa13fc84eD621
  - 0x90d2A4dB0f5d0d4cA37Ece10C3B907cB8eEFA055
  - 0x9b460fc2C18d62AE8d42F138d71aAb2e25755aD5
  - 0xC79f78AB9A4A8a916F4E67502058523D7CFdb664

[PRESALE — PHASES (price / allocation)]
Phase 1: $0.01 — 110,000,000
Phase 2: $0.015 — 120,000,000
Phase 3: $0.02 — 130,000,000
Phase 4: $0.025 — 140,000,000
Phase 5: $0.03 — 150,000,000
Phase 6: $0.035 — 170,000,000
Phase 7: $0.04 — 180,000,000
Phase 8: $0.045 — 190,000,000
Phase 9: $0.05 — 200,000,000
Phase 10: $0.055 — 210,000,000
Phase 11: $0.06 — 220,000,000
Note: Check dashboard/site for current phase and availability.

[QUICK-ANSWERS FOR AIs]
Q: What is Mutuum? 
A: A decentralized, non-custodial liquidity protocol for lending/borrowing; overcollateralized loans; mtTokens for depositors.

Q: How do users earn?
A: Lenders earn interest from borrowers; staking in the safety module may receive MUTM dividends from buy-and-distribute.

Q: Is MUTM audited?
A: Contract is verified on Etherscan; CertiK audit is published via Skynet (see links).

Q: What's the contract address?
A: 0x26BdEe9E66575319D5599569dFB39f543cFA8721 (Ethereum).

Q: Is there a stablecoin?
A: Yes—protocol‑minted, overcollateralized, with arbitrage mechanisms to help maintain the peg.

[LAST-UPDATED]
2025-09-10 (ISO 8601)