DUBAI, United Arab Emirates, January 11, 2026 (GLOBE NEWSWIRE) —
Mutuum Finance (MUTM) continues to attract attention in the new crypto sector as participation in its token sale increases. The protocol is working to launch its first loan release and has reported a steady increase in funding, wallet participation, and pre-sale allocation progress. Many traders are watching the project due to its combination of product development, token demand, and roadmap execution.
Participation growth
Mutuum Finance is conducting an active presale for the MUTM token. The presale is organized into multiple pricing phases, each with a fixed price and capped token allocation. New phases only begin after the previous allocation is exhausted.
This structure helped maintain order in the purchasing process and rewarded early entries. The token sale began in early 2025 with a phase 1 price of $0.01. MUTM is now trading at $0.04 in Phase 7, representing an increase of approximately 300% from the initial phase.
Participation has continued to increase as new buyers join. The presale now reports over 18,700 investors and over $19.7 million raised. The funding pushed the sale toward the $20 million region, which analysts consider a high figure for a DeFi protocol that is not yet operational. The public dashboard shows that 825 million MUTMs have been purchased so far. This represents a significant portion of the tokens allocated to the pre-sale phase of the sale.
The total token supply is set at 4 billion MUTM. Of this offer, 45.5% has been reserved for the pre-sale allocation. This allows early adopters to access a significant portion of the offering before the external listing takes place. Some observers point out that this figure is larger than many token launches that reserve most of the supply for private rounds or team-controlled allocations.
Pricing Tiers and Early Entry
The pricing structure has also been a point of interest for investors. Each phase increases the MUTM price as the token moves towards its confirmed listing level. At launch, MUTM is expected to start at $0.06, which would give Phase 1 participants an estimated 500% increase from their initial entry at $0.01. Even at current levels, Phase 7 buyers at $0.04 would be positioned for upside upon launch to $0.06.
Phase 7 is almost complete and the next phase will cause the price of the token to rise again. The upcoming stage results in an increase of almost 20%. This has created moderate urgency among new entrants who want lower-cost exposure before public trading. Analysts explain that these phase dynamics act as an early price discovery process before secondary market valuation begins. In many presales, this progressive structure is attracting interest from retail buyers and early whales who want discounted exposure to DeFi crypto assets that are building real products.
What V1 means for the protocol and token base
THE next major step for Mutuum Finance is protocol version V1. V1 will introduce live lending and borrowing markets and include mtToken accounting, collateral rules, risk limits, interest logic and liquidation pathways. The system will support both pooled lending through Peer to Contract marketplaces and direct financing through Peer to Peer marketplaces. V1 will first launch on Ethereum’s Sepolia testnet and then prepare for mainnet.
Analysts say revenue and performance of tokens in lending protocols are often linked. If borrowers enter the system to access leverage or liquidity, the protocol collects interest which can be used for tokenized trades. Mutuum Finance uses a buy and redistribute model, in which MUTM purchased on the open market is redistributed to users who stake mtTokens in the security module. Market commentators believe that if V1 is active, it could create structural demand for the token.
Security played an important role in investor interest during the token sale. Mutual Finance carried out a security audit with Halborn Security. Halborn is known for working with major DeFi platforms and infrastructure protocols. The audit focused on contractual logic and lending mechanisms due to the sensitivity of the treatment of guarantees.
With pre-sale funding close to $20 million and growing user participation, Mutuum Finance is now considered by some analysts as one of the next crypto projects to watch in the lending segment.
Although the protocol is not yet operational, the combination of roadmap execution, audit completion, offering structure, and capital formation has differentiated it from other new crypto launches that rely primarily on short-term narratives. More announcements are expected as V1 gets closer to release.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Link tree: https://linktr.ee/mutuumfinance
