DUBAI, United Arab Emirates, January 24, 2026 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM) has entered a busier phase of its development cycle as the project reports rapid progress in its current pre-sale phase. The DeFi protocol, which is set to launch a decentralized lending system, has confirmed that phase 7 of the MUTM presale is moving faster than previous phases. This acceleration attracts the attention of both new holders and old participants who have been following the execution of the project roadmap since the beginning of 2025.
Structured presale with stable allocation
Mutuum Finance pre-sale began in early 2025 with an initial token price of $0.01. The project designed its sale in stages rather than opening at a single fixed price. Each phase introduced a higher pricing tier and a defined allocation amount. As a result, prices reflect roadmap progress rather than short-term speculation.
Phase 7 is now active at $0.04, representing a 300% increase from the starting price. The official launch price of MUTM is set at $0.06, indicating further pricing milestones as the protocol rollout approaches.
Mutuum Finance reports that the pre-sale has raised over $19.9 million so far. The number of holders has increased to 18,900, reflecting broad community participation rather than a small group of private contributors. Around 830 million MUTM tokens have already been distributed from the presale pool.
Token Supply and Distribution Footprint
The total supply of MUTM is 4B tokens. Of this supply, approximately 45.5%, or approximately 1.82 billion tokens, have been allocated for presale access. The remaining supply is split between development, future ecosystem incentives, liquidity preparation and partnership plans. By allocating a large share of tokens to early access, Mutuum Finance has created a more open distribution model compared to projects that rely on small private allocations.
Continuous distribution is also important for price discovery. As more tokens enter the hands of individual participants, the token float becomes more diverse. This often leads to more balanced behavior once the token is activated, as no group holds disproportionate influence over supply dynamics.
Daily participation signals and activity patterns
Phase 7 differs from previous phases due to the pace of participation and engagement features. One of the most notable additions is the 24-hour leaderboard, which tracks contributions during each daily cycle. The highest contributor in the cycle receives $500 in MUTM as a reward. Although leaderboard was a simple mechanism, it encouraged active participation and created consistent daily cycles of pre-sale activity.
Another factor promoting participation was the inclusion of card payments. Many presales require users to hold or transfer cryptocurrencies before joining. Mutuum Finance has reduced this barrier by allowing contributions directly from card platforms. Investors say this addition expanded the pool of eligible users, especially in the middle and end of the presale.
Acceleration of phase 7 and investor behavior
Mutuum Finance confirmed that phase 7 has already exceeded the 6% allocation mark, a faster pace than previous phases. Although the project did not provide reasons for this acceleration, several observable trends correlate with the timeline. The number of holders grew rapidly during the same window and several large inflows were recorded, including recent allocations in excess of $100,000.
The timeline also corresponds to increased visibility on the development side. As the roadmap milestones have become clearer and the first protocol release window has been identified, interest in late-stage pre-sale access appears to have increased. This model is common in the DeFi sector, where users tend to wait until the protocol is ready before entering. In this case, interest came before the launch rather than after.
Roadmap Execution and Development Milestones
One of the factors contributing to the focus on Phase 7 is the project’s development trajectory. Announcement of Mutuum Finance (MUTM) that its V1 protocol is planned for the Sepolia testnet in Q1 2026. V1 includes collateral management, mtToken accounting, liquidation logic and debt tracking. After validation of the testnet, the team will finalize the preparation and deployment of the main network.
The roadmap also refers to the development of Phase 2, which includes the introduction of an over-collateralized stablecoin and oracle network for price feeds. Stablecoin minting allows users to borrow against collateral rather than selling their assets. Oracle feeds are critical to liquidation accuracy, especially during periods of high volatility.
As Phase 7 advances rapidly, holders increase, and funding exceeds $19.9 million, Mutuum Finance has entered the period between final development and operational deployment. Participation continues to grow as the presale enters its final stages, and visibility around roadmap execution has increased.
Although Mutuum Finance is still classified as a new crypto project, the combination of a structured pre-sale distribution, development progress, and security validation has made it one of the followed DeFi crypto protocols ahead of Q2 2026.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
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