Mutuum Finance Presale Exceeds $20.5 Million
DUBAI, United Arab Emirates — February 15, 2026 — Leads & Copy —
Mutuum Finance (MUTM) has raised over $20.5 million as its presale nears mainnet deployment. This milestone demonstrates strong participation and ongoing development as the project develops its DeFi infrastructure before its public launch.
The fundraising total is over $20.5 million, supported by more than 19,000 holders. Mutuum Finance has a total supply of 4 billion tokens, and 1.82 billion have been allocated for the presale. Over 845 million tokens have been secured, bringing the presale close to its halfway point and reflecting steady progress through its structured pricing stages.
MUTM is priced at $0.04 in Phase 7, and the launch price is $0.06, meaning the token is available at a discount. Since its initial Phase 1 price of $0.01, the token has increased by 300%, and it will reflect a total 500% progression from its starting level upon reaching launch.
The token is backed by protocol development and defined utility mechanisms, and some investors suggest there is potential for additional price appreciation shortly after launch as broader exposure and ecosystem demand build.
Mutuum Finance is designed as an overcollateralized decentralized lending and borrowing protocol that allows users to supply assets for yield generation or borrow against collateral. A central component of the system is the mtToken model.
When users supply assets into the protocol, mtTokens are minted to represent their deposit positions. These mtTokens automatically accrue yield over time, reflecting interest earned within the liquidity pools. In addition to yield accumulation, mtTokens are intended to play a role in the platform’s buy-and-distribute mechanism.
Under this model, a portion of protocol-generated revenue is expected to be used to purchase MUTM tokens from the open market and redistribute them to eligible participants, including mtToken holders. This structure is designed to create sustained token demand while rewarding long-term ecosystem participants through distribution incentives.
The V1 protocol is live on the Sepolia testnet, where users can test core features in a simulated environment using supported assets such as USDT, ETH, LINK, and WBTC. The deployment allows participants to explore supply and borrowing flows, view portfolio balances, and observe how debt tokens track principal and interest accrual in real time, all supported by automated liquidation and health factor monitoring systems.
The V1 protocol has completed a security audit conducted by Halborn, reinforcing confidence in the smart contract architecture and risk management framework. This audit milestone supports the protocol’s transition from testing toward mainnet deployment.
In addition to the protocol audit, the MUTM token smart contract has also undergone review through CertiK, achieving a Token Scan score of 90. This score reflects a strong security assessment and adds another layer of validation to the project’s technical foundation as it advances toward launch.
Mutuum Finance has outlined long-term expansion plans that extend beyond its initial lending infrastructure. The roadmap includes development of a native overcollateralized stablecoin intended to strengthen liquidity dynamics within the ecosystem and potentially increase internal capital efficiency. In parallel, the project is preparing for multichain expansion, which would broaden accessibility across additional blockchain networks and expand the protocol’s potential user base.
With more than $20.5 million raised, over 19,000 holders participating, and infrastructure testing underway, Mutuum Finance continues advancing through its presale phase. At the current price of $0.04 — still below the confirmed $0.06 launch price — the token remains in its early-stage distribution period ahead of its anticipated mainnet transition and broader market exposure.
Source: Mutuum Finance
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