Mutuum Finance Roadmap Phase 3 Advances Past $20.5M in Funding
DUBAI, United Arab Emirates — February 14, 2026 — Leads & Copy — Mutuum Finance (MUTM) is progressing with Roadmap Phase 3, having exceeded $20.5 million in total funding. This milestone reflects significant investor confidence and consistent presale momentum as the project expands its decentralized lending infrastructure. With ongoing development and accelerating community growth, Phase 3 represents a crucial step toward its full market debut.
Mutuum Finance (MUTM), a new crypto protocol built on the Ethereum network, aims to establish a non-custodial system, eliminating the need for traditional banks. The primary objective is to enable users to leverage the value of their crypto assets without selling them, utilizing a dual-market model. This model incorporates a Peer-to-Contract (P2C) system where users deposit assets like ETH or USDT into shared pools, alongside a Peer-to-Peer (P2P) system for direct, flexible loans.
The project has garnered substantial market trust, raising over $20.5 million in funding to date. This capital is intended to ensure the team can complete their roadmap. The community has grown to include more than 19,000 holders, indicating global adoption before the protocol’s full market debut.
The growth of the MUTM token has seen the token price increase 300% since distribution started in early 2025 at a price of $0.01. The token is priced at $0.04 during Phase 7 of its distribution, before a confirmed launch price of $0.06. Each roadmap stage has a specific percentage allocation, with the price increasing as these phases sell out. The platform also features a 24-hour board where the top participant is rewarded with a $500 bonus in tokens nightly, designed to maintain community activity.
The Mutuum Finance system is designed for long-term viability, with a fixed total supply of 4 billion MUTM tokens. To prioritize the community, 45.5% (1.82 billion tokens) is allocated for the presale stages. To date, over 845 million tokens have been sold. The platform supports direct card payments and payments with other major cryptos.
The project has achieved a technical milestone with the V1 protocol launch on the Sepolia testnet. This allows users to test the lending pools, the mtToken yield system, and the automated liquidator bot in a live environment. This launch marks the end of Phase 2 and the entry into Roadmap Phase 3.
Phase 7 is reportedly selling out at a record pace as investors seek to capitalize on the $0.04 price before the $0.06 launch. With the V1 protocol demonstrating system functionality, Mutuum Finance aims to offer real utility and audited security.
Source: Mutuum Finance
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