DUBAI, United Arab Emirates, January 2, 2026 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM) continues to achieve key roadmap milestones as the project enters a more advanced stage of development. Recent updates confirm that key security assessments have now been completed, while participation in the overall project continues to grow. Together, these developments place Mutuum Finance at a point where visibility is increasing, even before the protocol’s first public deployment.
What Mutuum Finance (MUTM) is building
Mutuum Finance is a crypto DeFi project focused on decentralized lending and borrowing. Built on Ethereum, the protocol is designed to allow users to contribute assets to earn yield while allowing borrowers to access liquidity by posting collateral.
The system relies on automated interest rate models that meet liquidity conditions. When demand for borrowing increases and available capital becomes tight, interest rates rise to encourage repayments and attract new supply. When liquidity is abundant, rates stay lower to support borrowing activity. This approach aims to maintain active capital while reducing imbalances.
Risk controls are built into the protocol. Each supported asset includes defined loan-to-value limits and liquidation thresholds. If the value of collateral falls below safe levels, liquidations may take place to protect lenders and the protocol itself.
As development progressed, Mutuum Finance reports that funding reached $19.5 million, with a growing base of approximately 18,700 holders. These numbers reflect broad participation rather than concentrated ownership, which is often seen as an important signal for the development of a DeFi crypto.
MUTM price, phasing and start of growth
The MUTM token currently costs around $0.04 and has entered phase 7 of its distribution. Presale began in early 2025 with an initial token price of $0.01. Since then, MUTM has grown by approximately 250% thanks to its structured phase model.
Each phase includes a fixed price and a defined allocation. Phase 7 represents a later stage, with fewer tokens available than in previous phases. This gradual progression allowed the token’s price to move step by step rather than in sudden jumps.
To encourage continued engagement, Mutuum Finance runs a 24-hour leaderboard. The top daily contributor receives $500 in MUTM, which has supported consistent participation as distribution progresses.
Provision of tokens and access to payment
Mutuum Finance has a total supply of 4B tokens. Of this amount, 45.5%, or approximately 1.82 billion tokens, are allocated for the presale. In the current phase, around 820 million tokens have already been sold.
This means that a significant portion of the pre-sale allocation has been distributed, while the remaining supply continues to tighten with each new phase. Later participants enter at higher prices and with smaller allocations, which changes the demand dynamics.
The project also supports card payment options for MUTM purchases. This feature expands access beyond on-chain transfers and has helped attract participants who prefer traditional payment methods.
Completion of Phase 2 Security and Dynamics Audit
A major recent milestone is the completion of the independent security audit conducted by Halborn Security. According to the official update shared by Mutuum Finance, Halborn has finalized its review of the Lending and Borrowing Protocol V1. The audit reviewed finalized smart contracts and assessed potential vulnerabilities prior to deployment.
In addition to the Halborn audit, the MUTM token holds a CertiK Token Scan score of 90/100, reflecting good results in transparency checks and token configuration. While this analysis does not replace a full protocol audit, it adds another layer of review.
According to official statements shared onMutuum Finance is preparing version V1 of its lending and borrowing protocol on the Sepolia testnet. Initially supported assets are expected to include ETH and USDT for use in lending, borrowing, and collateral.
V1 is expected to include core features such as liquidity pools, mtTokens, debt tracking, and automated liquidation tools. This phase marks the transition from development to live testing.
At the same time, the project continues to progress throughout its broader roadmap, often referred to as Phase 2. This stage focuses on infrastructure refinement, expansion of supported assets, and preparation for future mainnet deployment.
Why attention increases
As funding approaches the $20 million mark, security reviews are completed, and V1 testing draws closer, Mutuum Finance is moving toward a narrower development window. Many DeFi crypto projects struggle to reach this point, where technical readiness and community participation align.
Market participants who follow top crypto projects and new crypto projects often look for this combination of progress. MUTM is no longer an early concept, but it is not yet fully used by the general public. This timing has increased attention to the project as it approaches its next stages.
Within the broader DeFi crypto sector, Mutuum Finance positions itself as a lending-focused protocol built around structured risk management and phased deployment. Stablecoins are expected to play a central role in its markets, supporting activity in different market conditions. The roadmap also includes plans for decentralized Oracle pricing and future Layer 2 compatibility.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
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