DUBAI, United Arab Emirates, Jan. 16, 2026 (GLOBE NEWSWIRE) — Activity around the Mutuum Finance (MUTM) token has escalated as the project confirmed new roadmap execution and stronger distribution numbers. The offering has now reached its Phase 7 pricing tier, with participation rising across both small buyers and large wallets. With the public launch price already locked in above current levels, many traders are now watching allocation flow as Phase 7 moves closer to completion.
Mutuum Finance is building a lending and borrowing protocol centered on structured liquidity markets. The project opened its token offering in early 2025 and has advanced through several pricing tiers since then. The pace was steady during early phases, but distribution has increased during the most recent window as roadmap milestones began to line up with token mechanics.
Phase 7 Pricing Window Tightens
The Phase 7 tier prices MUTM at $0.04. This marks a 300% lift from the earliest price of $0.01. The public listing price is confirmed at $0.06, meaning Phase 7 sits below the launch level. That gap has not gone unnoticed by buyers who are positioning ahead of the V1 activation window.
More than 18,800 wallets now hold MUTM. Participation began in small batches in early phases and has expanded into a broader distribution curve during the latest stage. This shift is notable because it shows participation is no longer limited to early explorers. New wallets are arriving during Phase 7 as the roadmap gains visibility.
Alongside the wallet count, the funding side has also scaled. The offering has now raised over $19.7 million. For a project that has not yet activated full protocol utility, the amount has reinforced the view that large participants are willing to position ahead of the live usage cycle rather than after it begins.
Token Distribution Structure and Allocation Breakdown
Mutuum Finance set its token supply at 4 billion MUTM. From that supply, 45.5% of tokens are allocated to the presale. That equals about 1.82 billion tokens. More than 825 million of those tokens have already been sold across the first seven pricing tiers. The remaining supply for early allocation has now tightened, which has been a focus for larger buyers entering Phase 7.
The distribution is not based on free emission or variable minting. Tokens move through fixed pricing tiers that increase as allocation fills. This creates a set of cost bases that are easy for analysts to model. Price progression from $0.01 to $0.04 across the first seven stages established a clear appreciation curve.
The confirmed listing price at $0.06 creates a direct reference point for Phase 7 buyers. It has also created natural urgency as participants now recognize that Phase 8 pricing moves MUTM closer to the listing threshold.
Roadmap Execution and V1 Progress Confirmed
Alongside token distribution, the roadmap side has delivered new updates that contributed to the stronger activity in Phase 7. The project confirmed through its official channels that V1 protocol launch preparation is in its final stage. V1 activates the core functions of Mutuum Finance’s lending protocol, including lending markets, collateral handling, interest logic, and liquidation systems.
The V1 confirmation was seen as a major milestone because it transitions the project from a roadmap narrative toward functional deployment. For lending platforms, this shift is often tied to valuation models that move from speculation to usage projections.
Other roadmap items include planned support for card-based participation, new user onboarding pathways, and integrations with security tooling. These steps are focused on smoothing entry during and after launch, reducing friction for retail users and wallet-based investors.
Phase 7 Nearing Transition
Security preparation also plays a role in participation behavior. Mutuum Finance completed a Halborn smart contract audit, received a 90/100 Token Scan score from CertiK, and opened a $50,000 bug bounty ahead of V1 deployment.
For lending systems, this stack matters because liquidation, collateral pricing, and interest logic require precision. Any failure can break protocol solvency. Completing security checks before V1 signaled seriousness to larger holders who prefer to allocate before usage rather than gamble on untested code.
With roadmap progress, security completion, and a confirmed listing price, Phase 7 sits at a key moment in the offering. The remaining allocation is shrinking and new wallets are still arriving.
If Phase 7 completes at the current pace, Phase 8 will move pricing higher and bring MUTM closer to the final listing level. When tracking early-stage cheap crypto, Phase 7 has become the focus window as Mutuum Finance enters the final stages before utility activation.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
