DUBAI, United Arab Emirates, Feb. 21, 2026 (GLOBE NEWSWIRE) — In a market environment where capital rotation and risk recalibration are shaping investor behavior, Mutuum Finance (MUTM) is drawing notable attention. The decentralized finance project has reportedly surpassed $20.6 million in funding, marking a significant milestone amid shifting sentiment across the altcoin sector.
As institutional appetite appears to cool toward higher-priced digital assets, emerging platforms with differentiated models are increasingly stepping into the spotlight. Mutuum Finance’s latest funding achievement underscores a broader trend of investors seeking alternative opportunities in evolving segments of the crypto market.
Mutuum Finance (MUTM)
While institutional interest in many top crypto projects is slowing down, Mutuum Finance (MUTM) is seeing the opposite. This project is building a professional ecosystem for decentralized lending and borrowing.
The goal is to create a system where anyone could lend their digital assets to earn high interest or borrow against them without using a slow, traditional bank. By using smart contracts, the platform makes sure every transaction would be safe, fast, and transparent.
The support for this vision has been incredible. Mutuum Finance has officially raised over $20.6 million in funding, showing that people are ready for a change. This is not just a small group of investors, either. The project has already attracted more than 19,000 individual holders.
Having such a large and active community this early is a strong sign that this new crypto has a healthy future. As expensive altcoins struggle to find new buyers, MUTM is bringing together a massive base of supporters who believe in its long-term mission.
Surging Through the Phases
The growth of the MUTM token has been steady and impressive since the start of its journey. The presale began in early Q1 2025, and since that time, MUTM has seen a surge of over 300%. This growth happened because the project uses a structured phase system. Each phase has a set price and a specific amount of tokens. As one phase sells out, the price increases for the next one.
Currently, Mutuum Finance is in Phase 7 of its presale. In this stage, the token is priced at $0.04. This is still a major discount compared to the confirmed launch price of $0.06. To keep the community active, the project runs a 24-hour leaderboard. Every day, the top contributor wins a $500 bonus in MUTM tokens. This competition keeps the energy high and ensures that the remaining tokens in Phase 7 are being claimed quickly.
Supply Mechanics and Easy Access
One of the reasons why many investors consider MUTM a top DeFi crypto is its clear and fair supply model. The total supply of MUTM is fixed at 4 billion tokens. This means no more tokens can ever be created, which protects the value for everyone.
Out of this total supply, 45.5% has been allocated specifically for the community presale. This is a very large percentage, equaling 1.82 billion tokens. By giving nearly half the supply to early supporters, the project ensures that the community owns a huge part of the network.
So far, more than 850 million tokens have already been sold. This means that almost half of the presale supply is gone. To make it easy for new people to join, Mutuum Finance has integrated a modern payment system.
Users can buy tokens directly using their bank cards or by using other popular assets like ETH and USDT. There are no complicated limits on how much you can buy, making it simple for everyone to secure their allocation before the supply runs out.
Protocol Launch and the Path to Phase 3
The project is now entering a very exciting stage of its roadmap. The V1 protocol is already live on the Sepolia testnet. This is a huge milestone because it shows that the code is working in a real environment.
Users can now test the lending pools and see how the system handles interest and collateral. This “product-first” approach is rare for a new crypto and is one of the main reasons why so much money is flowing into the project right now.
As the presale moves toward its final stages, the project is preparing to transition into “Roadmap Phase 3.” This next crypto step will focus on even bigger features, such as Layer-2 integration for faster transactions and the planning of a native stablecoin.
The window to join at these early prices is narrowing. With over $20.6 million already secured and the V1 protocol being refined, the transition from a testnet to a live mainnet is the final big step.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
