DUBAI, United Arab Emirates, January 16, 2026 (GLOBE NEWSWIRE) — Interest in early-stage DeFi crypto continues to grow as several new protocols move closer to functional deployment. One of the names that attracts attention in this trend is Mutuum Finance (MUTM). The project is now entering a phase where its development roadmap and structural design become more visible to investors. The combination of product creation, security work, and token distribution has created what many in the market see as a window of anticipation.
Mutuum Finance works towards dual markets
Mutuum Finance is a new crypto protocol focused on creating a lending and borrowing system with structured mechanics. The aim is to allow users to provide liquidity and earn a return, while borrowers access capital against collateral according to defined rules. The model includes interest logic, collateral guarantees and liquidation pathways to protect liquidity during volatility.
This type of system is familiar in the broader lending space, but Mutuum Finance aims to create more flexible market structures that support both pooled and matching loans. This approach allows different types of users to interact based on credit needs and deposit strategies rather than just general speculation.
The project opened its token offering in early 2025. Since then, participation has expanded. More than 18,800 holders are now exposed to MUTM and the offering has raised nearly $20 million in funding. This level of participation is remarkable for a protocol that has not yet begun to see full on-chain use. This signals that interest was formed during the construction phase rather than waiting for live activity.
Phase progression and allocation structure
Mutuum Finance uses a tiered pricing structure for early token distribution. Each phase assigns a fixed allocation at a defined price level. Once the allocation is exhausted, the supply moves to the next phase with a higher price.
The token is currently selling at $0.04 during Phase 7. This stage represents the most recent level before public listing. The structure aims to reward early participation while maintaining clear cost ranges as the protocol approaches its launch window.
The offer started at $0.01 in early 2025. This means that the current price represents a MUTM appreciation of 300% from the first level. The confirmed listing price for the public markets is $0.06. Since Phase 7 is below this level, many participants view this phase as a discounted entry window before open liquidity.
Token allocation and distribution mechanisms
Mutuum Finance has set the total token supply at 4 billion MUTM. Of this offer, 45.5% is allocated to the current offer. This is equivalent to approximately 1.82 billion MUTM. More than 825 million tokens have already been sold across the first seven pricing tiers. This allows analysts to track both the supply flow and distribution rate as the project approaches its launch phase.
The sale does not use inflationary issues. Tokens do not enter circulation through farming or variable minting. Instead, distribution is controlled by fixed allocation levels. This structure is considered favorable by many early participants because it prevents uncontrolled dilution during the period before use begins.
The project also added card payment support, which reduced participation friction for users who do not want to rely on wallet transfers. Many token offerings limit access to on-chain assets only, but Mutuum Finance expanded access earlier in the cycle. This has increased participation from retail users who prefer lower barriers to entry.
Security steps before protocol launch
Security is one of the essential elements of lending platforms. Liquidations, collateral management and interest calculation must work correctly from day one, otherwise the system can lose liquidity. Due to this requirement, Mutuum Finance completed several security steps before deployment.
The protocol passed a Halborn Smart Contract Auditwhich reviewed code related to lending mechanisms, collateral logic and liquidation execution. Halborn is known for auditing more complex financial protocols rather than short-term speculative projects.
This security preparation is seen by many as a sign that the protocol is targeting long-term use rather than rapid promotional cycles. Institutional players and serious holders often evaluate these boxes before committing capital. With the audit complete and the bug bounty active, many now view Mutuum Finance as a new cryptocurrency moving beyond the early speculative stage and entering the final preparation window.
V1 launch window and Phase 2 roadmap
The next crypto step for Mutuum Finance is the Launch of the V1 protocol. According to official updates, V1 will enable bundled loans, matched loans, collateral rules and liquidation logic. This will be the point where actual usage begins on-chain. After the deployment of V1, data from borrowing and lending can enter into evaluation discussions. At the current stage, the assessment is based on the narrative, supply flow and development progress.
As V1 approaches, the offering now goes through phase 2 of the roadmap. This phase includes verifying security, improving access, and planning for stablecoin integration. Once these components are aligned, the protocol is positioned to enter the public use cycle.
For many investors, these steps created urgency during Phase 7. The combination of a nearly sold allocation, a confirmed listing price, and preparation for V1 has made MUTM one of the most closely watched crypto projects in the early-stage lending category.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
