Mutuum Finance Launches V1 Protocol, Reaching Roadmap Milestone

DUBAI, United Arab Emirates — February 14, 2026 — Leads & Copy —

Mutuum Finance (MUTM) has launched its V1 protocol, marking a key milestone and transition to live testing of its decentralized lending and borrowing system.

The activation allows users to interact with the system. Investor interest is increasing as the project moves beyond theory into working infrastructure, ahead of its next growth phase.

Mutuum Finance is a non-custodial protocol designed to support on-chain lending without traditional intermediaries, creating a secure environment for users to earn yield or access liquidity through collateralized positions. The design features a dual-market structure.

The Peer-to-Contract (P2C) and Peer-to-Peer (P2P) systems are still under development and not yet live on mainnet.

The planned P2C model will be designed around shared liquidity pools for assets like ETH and USDT, with interest rates adjusting dynamically based on supply and demand. The P2P layer is intended to allow customized loan agreements between users, including flexible rates and terms, and these features are part of the official roadmap.

Users can explore core mechanics through the V1 protocol on a risk-free testnet, interacting with liquidity pools and receiving mtTokens such as mtUSDT or mtETH. These tokens act as yield-bearing receipts, with their redeemable value increasing as interest is simulated within the system. This beta version allows users to test lending, borrowing, and yield accounting before full deployment.

To ensure the integrity of its code, Mutuum Finance has implemented several layers of risk management and independent review. The core smart contracts for the V1 protocol have undergone a manual audit by Halborn Security, which focused on identifying potential vulnerabilities and verifying contract logic.

The project has also received a trust score of 90 out of 100 on the CertiK Token Scan, reflecting ongoing monitoring of the token’s configuration and transparency.

A $50,000 bug bounty program has been introduced to encourage continuous security research, inviting independent developers to find and report any remaining issues in the code.

The Mutuum Finance whitepaper includes scaling and utility features planned for later in 2026, including a native, over-collateralized stablecoin pegged to the US Dollar and backed with on-chain collateral, intended to deepen liquidity and reduce volatility.

Mutuum Finance also intends to pursue Layer-2 scaling solutions to reduce transaction costs and increase processing speeds.

The development of this new crypto is supported by a token distribution that began in early 2025. The native MUTM token has a fixed total supply of 4 billion units, with 45.5% (1.82 billion tokens) dedicated to the community presale.

Mutuum Finance is currently in Phase 7 of its presale, having raised more than $20.5 million and attracted over 19,000 individual holders. The token price has moved from $0.01 to $0.04, and the roadmap culminates in a planned public launch at a valuation of $0.06.

The platform allows for both cryptocurrency payments and direct card purchases.

Source: Mutuum Finance