DUBAI, United Arab Emirates, January 1, 2026 (GLOBE NEWSWIRE) — Mutuum Finance (MUTM) is reaching a key milestone in its roadmap as participation continues to grow. While many DeFi crypto projects are still in the early planning stages, Mutuum Finance is already showing clear signs of traction. Investor interest has continued to grow and recent updates suggest the project is moving closer to a notable funding milestone. This progress comes as the team advances toward its next technical phase of cryptography.
What Mutuum Finance (MUTM) is building
Mutuum Finance is a crypto DeFi project focused on decentralized lending and borrowing. The protocol is designed to allow users to contribute assets to earn yield while allowing others to borrow liquidity by locking up collateral. This structure aims to support ongoing use rather than short-term activity.
The platform uses defined interest rate mechanisms to balance liquidity. When demand for borrowing increases, rates rise to attract more supply and encourage repayments. When liquidity is high, rates remain low to encourage borrowing. Risk controls such as Loan to Value limits and automated liquidations are built into the system to help protect the protocol.
As development progressed, Mutuum Finance reported $19.5 million raised and a growing base of approximately 18,700 holders. These numbers reflect broad participation rather than isolated entries, which many observers consider an important signal for the development of a DeFi crypto.
MUTM price, phase stage and start of growth
The MUTM token price is currently around $0.04 as phase 7 of distribution begins. The presale began in early 2025 at a price of $0.01, meaning the token has already grown by around 250% since the first phase.
Each distribution phase includes a fixed price and a fixed allocation. Phase 7 represents a later stage, with a smaller share of tokens available compared to previous phases. This structure resulted in a gradual movement in prices rather than sudden increases.
To encourage consistent engagement, Mutuum Finance runs a 24-hour leaderboard. The top daily contributor receives $500 in MUTM, which has helped maintain consistent participation across phases.
Token distribution and supply structure
Mutuum Finance has a total supply of 4 billion MUTM 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. As the distribution progresses, later participants access tokens at higher prices and with smaller available allocations.
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.
Preparing for V1 and next phase of cryptography
According to official statements shared by the team onMutuum Finance is preparing the launch of V1 of its lending and borrowing protocol, with a beta deployment planned on the Sepolia testnet. Initially supported assets include ETH and USDT for use in lending, borrowing, and collateral.
This upcoming milestone marks the transition from development to live testing. V1 is expected to include core features such as liquidity pools, mtTokens, debt tracking, and automated liquidation tools.
Security preparation has been completed before this step. Mutuum Finance has finalized the review of its loan contracts with Halborn Securityand the MUTM token holds a CertiK Token Scan score of 90/100. A $50,000 bug bounty is also active to further strengthen the protocol before wider use.
Why attention is increasing now
As Phase 7 begins, several factors are converging. Funding is approaching a new threshold. The number of holders continues to increase. The basic functionality of the protocol is finalized. V1 tests are close.
These developments often attract attention within the DeFi crypto sector, especially for projects that have already moved beyond the concept stage. Market participants following top crypto projects and new crypto projects often look for this combination of distribution progress and technical readiness.
Mutuum Finance now occupies this position. Much of the early preparatory work has been completed, while the protocol itself is not yet in full public use. This timing has increased attention to the project as it moves toward the next phase of its roadmap.
Current positioning within DeFi
In the broader DeFi crypto space, Mutuum Finance is positioning itself as a lending-focused protocol with a focus on structured risk management and gradual deployment. Stablecoins are expected to play a central role in its markets, supporting activity in different market conditions. The roadmap also includes plans for Layer 2 compatibility and decentralized Oracle infrastructure to support accurate pricing.
As the project approaches $20 million raised and continues into Phase 7, Mutuum Finance reflects new crypto steadily evolving in execution rather than relying solely on announcements.
With testing of V1 underway and distribution underway, the upcoming phase represents a move from preparation to practical use. This transition is why Mutuum Finance is increasingly appearing in discussions around DeFi crypto project development as the market looks to the next stage of growth.
For more information on Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
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