DUBAI, United Arab Emirates, Feb. 14, 2026 (GLOBE NEWSWIRE) — The decentralized finance market is witnessing a massive shift in momentum as 2026 begins. While many older projects are moving slowly, Mutuum Finance (MUTM) is breaking records. The project has officially reported a 300% surge in value since its early stages.
This growth is backed by a massive community of more than 19,000 participants. Investors are no longer just watching from the sidelines. They are rushing to secure a spot in what is becoming the most talked-about presale of the year. The combination of working technology and clear financial gains has created a wave of interest that shows no signs of stopping.
The Rise of MUTM: 300% Growth and Counting
The story of the MUTM token is one of steady and fast growth. In early 2025, the token started its journey at a price of just $0.01. Since then, the project has hit every technical goal on its roadmap. This progress has pushed the price up through several stages. Today, Mutuum Finance is in Phase 7, and the token is priced at $0.04.
For the people who joined at the start, this represents a 300% increase in their holdings. Even for new investors, the opportunity is huge. The team has confirmed that the final launch price will be $0.06. By joining now at $0.04, you are securing an immediate 50% MUTM discount. As each phase sells out faster than the last, the chance to buy at this low price is disappearing rapidly.
Funding and Whale Activity
Mutuum Finance (MUTM) is no longer operating at a small scale. The project has raised over $20.5 million in total funding, positioning it among the more capitalized emerging DeFi protocols in its stage of development. That level of funding reflects sustained participation rather than short-term speculation.
What stands out is the profile of participants. On-chain activity indicates that larger investors have taken positions, with reported individual allocations exceeding $175,000. These entries suggest confidence in the structured rollout and the protocol’s technical progress, including its live V1 deployment on testnet. Rather than chasing short-term narratives, these participants appear to be positioning around a utility-focused lending model.
With more than 19,000 holders already involved, Mutuum Finance (MUTM) has built a broad early base. Combined with measurable funding milestones and ongoing development updates, this creates a foundation that supports continued growth as the protocol advances toward full mainnet expansion.
A Fair and Open Economy
The math behind Mutuum Finance is built for the community. The total supply of tokens is fixed at 4 billion MUTM. To make sure the project stays in the hands of its supporters, 45.5% (1.82 billion tokens) is set aside for the presale. This is a very high percentage that prevents a small group of insiders from controlling the price.
So far, over 845 million tokens have already been sold. This means that nearly 50% of the entire presale supply is gone. As the word spreads, the remaining tokens are being absorbed at a record pace. The project has made it easy for everyone to join. You do not need to be a crypto expert. Mutuum supports direct card payments, so you can buy your tokens as easily as you would buy something from an online store.
V1 Protocol: From Promises to Practice
The biggest reason for the recent 300% surge is the launch of the V1 protocol on the Sepolia testnet. Unlike many projects that only have a website, Mutuum Finance has a working product. You can actually go and test the system right now. This is a major win for transparency.
The V1 version includes several core components that demonstrate how the protocol is designed to function. Users can interact with liquidity pools by supplying assets such as ETH, USDT, and WBTC in order to earn yield generated from borrowing activity. When assets are deposited, the system issues mtTokens, which act as yield-bearing receipts. These mtTokens automatically increase in value over time as borrowers repay interest, meaning returns are reflected directly in the token balance rather than requiring manual claims.
To protect lenders and maintain system stability, the protocol integrates an Automated Liquidator Bot that monitors collateral levels and manages positions that fall below required thresholds. In addition, a real-time dashboard provides a streamlined interface where users can track deposits, borrowing positions, accrued yield, and overall account health in one place.
Seeing these systems work in a live environment has changed the game. It proves that the team can deliver complex technology on time. This has turned many skeptics into full supporters, leading to the massive spike in participants.
The Final Window of Opportunity
In the world of crypto, safety is everything. Mutuum Finance has taken every step to protect its users. The protocol has passed a full, manual security audit by Halborn, one of the most respected firms in the industry. They also hold a high 90/100 trust score from CertiK. This means the code is clean, safe, and ready for institutional use.
The clock is ticking for anyone who wants to join Mutuum Finance at a discount. Phase 7 is selling out quickly, and once it ends, the price will automatically rise again. We are moving toward the final stages of the roadmap before the full mainnet launch.
The project is already planning for its next big crypto steps, including a native stablecoin and Layer-2 scaling to make transactions faster and cheaper. Everything is lining up for a massive Q2 2026. If you want to be part of a project that has already delivered a 300% surge and has over 19,000 participants, the time to act is now. The tech is ready, the whales are in, and the tokens are moving fast.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
