Mutuum Finance Nears Q1 2026 Protocol Launch After Raising Nearly $20 Million in Presale

New updates have been reported about Mutuum Finance.

Mutuum Finance is moving into the activation phase of its decentralized lending protocol after raising more than $19.9 million and attracting over 19,000 investors to its ongoing token presale. The DeFi project, which enables users to borrow against crypto collateral and supply liquidity for yield, has advanced to Phase 7 of its structured sale, with the MUTM token now priced at $0.04—up 300% from the initial $0.01 level set in early 2025. Approximately 830 million MUTM tokens have been sold so far, out of a total supply of 4 billion, with 45.5% (about 1.82 billion tokens) earmarked for presale, signaling tightening token availability as the first version of the protocol approaches launch. The team plans to open V1 testing on the Sepolia testnet in Q1 2026, with features including pooled lending, collateralized borrowing, mtToken yield accounting, and liquidation execution.

Mutuum Finance has framed security and participation design as core to its go‑to‑market strategy. The protocol has undergone an independent audit by Halborn Security and achieved a 90/100 token scan rating from CertiK, while maintaining a $50,000 bug bounty to incentivize external code review. The project’s roadmap indicates it is completing Phase 2 of development, focused on security validation, oracle integration, and core contract logic, aligning with investor expectations that major risk will be reduced before full activation. On the distribution side, a 24‑hour leaderboard that rewards the top daily contributor with $500 in MUTM has supported consistent demand, while card payment support has broadened access beyond crypto‑native buyers. Phase 7 is progressing faster than prior stages, with multiple six‑figure allocations—including at least one $115,000 ticket—highlighting growing whale participation as launch visibility improves. With security milestones largely in place, presale inventory tightening, and testnet deployment imminent in Q1 2026, Mutuum Finance is positioning itself as a new entrant in the DeFi lending space with a broad early investor base and a capitalized path to execution.