DUBAI, United Arab Emirates, Jan. 18, 2026 (GLOBE NEWSWIRE) — A growing number of investors in the crypto market are shifting attention toward early-stage projects that are entering their final development phase. One name that has begun to appear across top crypto watchlists is Mutuum Finance (MUTM). The project is moving closer to launch and continues to gain participation from retail and whale wallets. Many analysts now classify it as one of the most notable new crypto assets preparing to enter the DeFi sector in 2026. The key question is how its token distribution and roadmap progress will shape investor expectations heading into the next cycle.
Mutuum Finance (MUTM)
Mutuum Finance is developing a decentralized lending protocol for Ethereum. The system will allow users to supply crypto assets to earn yield or post collateral to borrow without selling long-term holdings. This type of lending activity becomes more active during bullish phases, when traders seek leverage without exiting positions.
During the buildup toward launch, the presale has attracted sustained participation. The project has raised more than $19.8 million in funding, and over 18,700 wallets have taken positions so far. Unlike many new crypto sales that rely on short bursts of attention, participation in Mutuum Finance has increased through gradual accumulation. Analysts note that this pattern reflects investor interest in utility-driven DeFi crypto projects rather than meme-driven rotation.
Token Price, Phase Structure and Distribution Progress
The MUTM token is currently priced at $0.04 in Phase 7 of the ongoing presale. Each phase has a fixed allocation and a fixed price. Once a phase fills, the token advances to the next pricing tier.
The presale began in early 2025 at a much lower entry point. Since then, MUTM has appreciated by more than 300% through sequential pricing stages. This creates a clear timeline of valuation steps rather than a floating, unpredictable offering. For many participants, structured pricing reduces confusion and gives early buyers defined cost basis levels ahead of the launch.
Another feature that supports ongoing participation is the 24-hour leaderboard. Each day, the top contributor receives a bonus of $500 in MUTM. This daily mechanic encourages continued activity rather than one-time contributions, which has been a factor in the steady holder increase.
Token Supply, Allocation and Onboarding Access
Out of the total 4 billion MUTM token supply, 45.5% has been allocated for the presale. This represents 1.82 billion tokens made available during the distribution window. According to the latest figures, more than 825 million tokens have already been purchased.
Payment access has also been broadened to help onboard non-technical users. Participants can contribute using card payments as well as the typical crypto wallet methods. This has allowed users outside the DeFi sector to enter the sale without needing to manage complex wallet setups. For a new crypto project, payment flexibility can play a role in accelerating distribution pace.
Roadmap Phase 2
Attention around Mutuum Finance has increased as the project transitions from the funding phase toward deployment. According to the official X account, the V1 protocol is preparing for testnet release before mainnet activation. Once testnet is live, lending and borrowing activity will begin to move on-chain, including collateral tracking, liquidation events and interest repayment flows.
DeFi analysts have noted that lending platforms often experience their largest discovery periods during the transition from development to active usage. At this stage, valuation begins to reflect potential revenue rather than narrative only. This positioning is one reason why Mutuum Finance is appearing in discussions about top crypto assets to watch for Q1 2026 and Q2 2026.
The roadmap also outlines Phase 2, which introduces stablecoin borrowing and Layer-2 expansion for faster liquidation execution. Both features support long-term scalability of the protocol. Stablecoins allow users to borrow in predictable units without exposure to market volatility. Layer-2 execution reduces liquidation lag times during sharp price swings, an important element for risk control in lending markets.
With more than $19.8 million raised, over 18,700 holders, measurable supply distributed and Phase 7 advancing, Mutuum Finance is entering what many call the “visibility phase.” Investors who typically ignore early concept projects are now paying closer attention as launch approaches and supply tightens. This timing window has historically attracted late-stage participants seeking exposure ahead of mainnet activation.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
