DUBAI, United Arab Emirates, January 8, 2026 (GLOBE NEWSWIRE) —
Mutuum Finance (MUTM) has shared new details about its V1 rollout as the project’s pre-sale funding approaches the $20 million mark. The project is positioning its next update around two leads that tend to be the most important in crypto DeFi: whether the product is close to going live and whether participation continues to grow as the launch window gets closer.
Mutuum Finance is still at the beginning of its life cycle, but it no longer operates in “idea mode”. The team outlined a defined deployment path, a set of initial markets, and a pre-sale that has reached multiple pricing milestones since early 2025.
Deployment of the V1 protocol
Mutuum Finance (MUTM) is building a lending and borrowing protocol. Users contribute assets into liquidity pools. Borrowers take out loans by providing collateral. The protocol relies on interest rate logic, caps, and liquidations to keep pools in balance when borrowing demand changes or collateral prices evolve.
In its own descriptions, Mutuum Finance lists core components such as liquidity pool, mtToken, debt token, and an automated liquidator bot. The project also indicated that the initial assets planned for lending, borrowing, and collateral are ETH and USDT, allowing the first release to focus on widely used assets.
For deployment, Mutuum Finance (MUTM) said that it is preparing a version of the V1 protocol on the Sepolia testnet, followed by the finalization of the mainnet, with a launch schedule described as coming shortly. In a category like loans, “soon” is important because it suggests that the project is moving from construction work to a visible testing phase.
Pre-sale funding nears $20 million
Mutuum Finance reports $19.6 million raised, bringing it closer to the $20 million milestone referenced in current coverage. The project also reports approximately 18,750 holders, indicating a broad base of buyers rather than a small group of wallets.
The presale was structured in phases, with each phase having a fixed price and a fixed token allocation. Mutuum Finance says the presale began in early 2025, starting at $0.01 in Phase 1. The token price is now $0.04 in Phase 7.
This move from $0.01 to $0.04 represents a 300% increase over the phases. In this design, price increases are not random. This happens because each phase sells through its allocation and the next phase opens at a higher price. This system of stages is also the reason why later stages often seem tighter. Previous rates disappear once the phase ends. As the presale progresses, the offer at lower prices is no longer available.
Mutuum Finance also references an official launch price of $0.06, which it uses as a reference figure in its pre-sale message. The project noted that Phase 1 participants at $0.01 are positioned for approximately 500% appreciation to $0.06, based on quoted prices. This is not a promise of what will happen. This reflects the price scale set by the project.
Participation signals and security
Beyond funding and holders, Mutuum Finance has added community and access tools that keep participation visible. One is a 24-hour ranking. Mutuum Finance states that the top daily contributor receives $500 in MUTM. This is presented as a continuous loop of activity rather than a one-off event.
Another is access to payment. Mutuum Finance said card payments are available for participation. This can be important for a pre-sale, as fewer steps often means more people can register without having to deal with additional transfers or rerouting.
These details are small on their own, but together they support a pattern often seen in new crypto launches: the closer the product gets, the more the team tries to reduce friction and maintain steady engagement.
Loan protocols manage collateral, debts and liquidations. This is why security reviews are considered fundamental and not optional.
Mutuum Finance stated that Halborn Security has carried out an independent audit of its V1 lending and borrowing protocol. The project also cited a CertiK token scan score of 90/100 and a $50,000 bounty for code vulnerabilities.
Current status
Mutuum Finance (MUTM) is preparing a V1 release path that begins with the Sepolia testnet and then moves toward mainnet completion, with a launch timeline described as upcoming. At the same time, the presale continues in Phase 7 at $0.04, with Mutuum Finance reporting $19.6 million raised, approximately 18,750 holders, approximately 825 million tokens sold, and a 300% price increase since the Phase 1 price in early 2025.
The project also outlined plans for an oversized stablecoin minted from the protocol’s treasury, using minting and burning mechanisms. He also referenced Layer 2 efficiency work, including call data compression, as part of longer-term development.
As funding approaches the $20 million milestone and V1 approaches its next stage of deployment, Mutuum Finance is showcasing its progress through measurable pre-sales numbers and a defined deployment plan.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
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