The first month of 2026 has brought a major wave of excitement to the decentralized finance crypto market. While many older tokens are struggling to maintain their value, a new crypto project called Mutuum Finance (MUTM) is capturing the attention of the global crypto community. The project has just reached a massive technical milestone that is shifting the way experts view its future. As the technology moves from a plan to a working reality, the market is reacting with a fresh surge in interest.

What is Mutuum Finance Building?

Mutuum Finance (MUTM) is a developing next-generation lending protocol built for both retail and institutional investors. By providing a smart dual-market system, it will allow users to earn high yields or access liquidity without selling their long-term holdings.

In the Peer-to-Contract (P2C) model, users supply assets like USDT or ETH to shared pools. The yield is driven by borrowing demand, with interest rates adjusting automatically. For example, a $10,000 USDT deposit at an 8% APY generates $800 in passive annual earnings, though this can climb to 12% during active market periods.

Alternatively, the Peer-to-Peer (P2P) model allows lenders and borrowers to negotiate custom terms directly. This is ideal for niche or volatile assets, enabling fixed rates as high as 15% APY. All earnings are tracked on-chain via mtTokens, ensuring your deposits and interest are always transparent, secure, and visible.

The project has been in development since early 2025 and has already built a massive foundation. So far, the presale has raised over $20.1 million in total funding. This level of financial support is backed by a community of more than 18,900 holders who have already taken their positions. Unlike many "hype-only" projects, Mutuum is building a functional ecosystem that is preparing for a full-scale launch later this year.

V1 Launch and Security Audit

The biggest catalyst for the recent price excitement is that V1 protocol went live on the Sepolia testnet. This launch proves that the technology is functional and ready for use. The V1 release on the Sepolia testnet marks a significant milestone by introducing several core features designed for high-performance decentralized finance. 

The V1 protocol features decentralized Liquidity Pools where users can supply foundational assets such as ETH, USDT, LINK, and WBTC to earn automated rewards. To facilitate this, the system uses mtTokens, which act as yield-bearing receipts that grow in value over time as borrowers pay interest back into the pools.

To maintain total transparency, the protocol utilizes Debt Tokens to accurately track borrowed amounts and accruing interest for every active loan. Protecting the entire ecosystem is an advanced Liquidator Bot, an automated tool that monitors the health of all positions and manages risk to ensure the protocol remains solvent even during market swings. 

Security has also been a top priority. The project has successfully completed a full audit by Halborn Security, one of the most trusted firms in the industry. Additionally, it holds a high score of 90/100 from CertiK. Because the code is now verified and live on the testnet, analysts are very bullish. Some experts predict that MUTM could see an initial surge of 500% to 600% after mainnet launch follows V1 protocol.

Growth Catalysts and Price Projections

Beyond the initial launch, Mutuum Finance has built-in features to ensure long-term value. One of the most important is the buy-and-distribute model. A portion of the protocol's revenue from lending fees is used to buy MUTM tokens on the open market. These tokens are then given back to the people who stake their mtTokens in the safety module. This creates a constant, organic demand for the token that is tied to actual platform usage.

The project also plans to integrate Chainlink oracles to ensure that asset pricing is always accurate across multiple blockchains. By using professional-grade data, the protocol can safely handle liquidations and collateral management. These growth catalysts have led to a second, more aggressive price prediction. 

Some market analysts believe that as the mainnet launches and adopts these features, the price could climb from its current levels to a target between $0.40 and $0.50. This would represent a massive 900% to 1,150% increase from the current presale price.

Phase 7 and Whale Activity

The project is currently in Phase 7 of its presale, where MUTM is priced at just $0.04. This follows a structured path that started at $0.01 in early 2025, meaning early buyers have already seen a 300% appreciation. The official launch price is set at $0.06, which means current participants are still securing a 50% discount compared to the market debut.

Phase 7 is selling out at a record pace. Recently, the project has recorded several large "whale" allocations, including single purchases of over $120,000. These large investors are moving in quickly because they want to lock in the discount before the price jumps to the next crypto level. 

When whales enter a presale at this stage, it is usually a sign that the development risk is low and the launch is very close. With a 24-hour leaderboard giving away $500 daily and easy card payment support, the final tokens in Phase 7 are disappearing fast.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance