DeFi Crypto Mutuum Finance (MUTM) Advances With V1 Launch in Focus Ahead of Q1 2026

In the DeFi sector, attention usually increases when a project moves from preparation into visible execution. This transition phase often happens quietly at first, then accelerates as milestones come into view.

Mutuum Finance (MUTM) is now entering that window. With its V1 launch scheduled and development activity continuing, the project is shifting from build-focused progress toward a stage where outcomes become tangible ahead of Q1 2026.

How Mutuum Finance Is Structuring Lending and Borrowing

Mutuum Finance is developing a decentralized lending and borrowing protocol built around two complementary markets designed to serve different user needs.

On the pooled side, the protocol uses a Peer-to-Contract model. Users supply assets into a shared liquidity pool and receive mtTokens in return. These mtTokens increase in redeemable value as borrowers repay interest.

For example, when a user supplies ETH, they receive mtETH. As borrowing activity grows and interest is paid back into the pool, mtETH becomes redeemable for a larger amount of ETH over time. This creates an APY that is directly linked to real borrowing demand rather than inflationary rewards.

Alongside this is the Peer-to-Peer borrowing environment. Borrowers post collateral and request loans under predefined terms. Lenders choose which loan requests to fund. Borrow rates adjust based on utilization, and stable rates can lock at the start of a loan when available. Risk is managed through Loan-to-Value limits.

Lower-volatility assets support higher LTV ratios, while more volatile assets are capped lower. If collateral value falls below defined thresholds, liquidations occur through a controlled process that protects protocol solvency.

Presale Progress and What the Numbers Are Showing

Mutuum Finance began its presale in early 2025 with a clearly structured phase model. The token entered the market at $0.01 and has progressed through multiple stages to its current price of $0.035, representing a 250% increase since the first phase.

Participation has grown steadily rather than arriving in short bursts. To date, the project has raised $19.30M and attracted more than 18,400 holders. In total, 820M tokens have been sold so far. The total supply of MUTM is 4B tokens, with 45.5%, or 1.82B tokens, allocated to the presale.

The project is currently in Phase 6, which is now over 98% allocated. As each phase has a fixed allocation and a predefined price, availability at the current level is becoming increasingly limited. The next phase introduces a price increase of nearly 20%, which is one of the reasons presale demand has accelerated rather than slowed at this stage.

Community engagement remains visible during this late phase. Mutuum Finance operates a 24-hour leaderboard, where the top daily contributor receives $500 in MUTM. This system has helped sustain activity as allocation tightens and the project moves closer to its next milestone.

At the official launch price of $0.06, Phase 1 participants are positioned for roughly 500% growth based on the structured pricing path. This staged progression has created a clear narrative around early participation without relying on unpredictable pricing changes.

V1 Launch Preparation and Security Foundations

The next major milestone for Mutuum Finance is the V1 launch on the Sepolia Testnet, scheduled for Q4 2025, as confirmed through the official X statement. V1 is expected to introduce the Liquidity Pool, mtToken framework, Debt Token, and Liquidator Bot, with ETH and USDT as the initial supported assets.

Security preparation is advancing alongside development. Mutuum Finance completed a CertiK audit with a 90/100 Token Scan score, which provides an early validation of its smart contract structure. In addition, Halborn Security is reviewing the finalized lending and borrowing contracts under formal analysis. A $50K bug bounty program is also active, aimed at identifying vulnerabilities before the protocol enters public testing.

For a DeFi crypto focused on lending infrastructure, this layered approach to security is critical. Lending protocols depend on accurate liquidation logic, reliable interest calculations, and predictable contract behavior. Addressing these areas before V1 reduces uncertainty as usage begins.

In a measured outlook, analysts suggest that projects reaching this stage often see valuation frameworks shift from preparation-based expectations toward execution-based confidence once testnet interaction starts.

Stablecoin and Layer-2 Plans as the Next Growth Layer

Beyond the initial V1 release, Mutuum Finance has outlined additional roadmap components that extend its long-term potential. One of these is a protocol-native stablecoin backed by interest generated within the system. Stablecoins tied to internal activity can deepen liquidity and improve capital efficiency by keeping value circulating inside the ecosystem.

Layer-2 expansion is also planned. Deploying on L2 networks is expected to reduce transaction costs and increase speed. Lending protocols benefit from low fees because borrowing and repayment involve frequent interactions. Faster and cheaper execution can broaden participation and support higher protocol activity over time.

Oracle infrastructure underpins these features. Mutuum Finance plans to rely on Chainlink price feeds, supported by fallback and aggregated sources. Accurate pricing is essential for collateral valuation and liquidation logic, especially as borrowing volume increases.

Why Q1 2026 Is Becoming the Reference Point

As V1 approaches and Phase 6 nears completion, the project is entering a period where visibility often increases quickly. Allocation is tightening. The next price tier is approaching. Testnet interaction is scheduled. Security reviews are ongoing. These factors tend to align before broader attention forms.

Recent activity has also included larger individual allocations, often around $100K, which typically appear when confidence builds ahead of milestones rather than after them. Combined with easy access through card payments and consistent community engagement, these signals help explain why attention is rising as the project moves closer to Q1 2026.

Mutuum Finance is advancing through a decisive phase. The token has already recorded a 250% increase since early 2025. Phase 6 is over 98% allocated, and the next crypto stage brings a higher price. V1 has a confirmed Q4 2025 timeline. Security foundations are in place. Infrastructure expansion is planned.

For those tracking top crypto developments ahead of 2026, Mutuum Finance is moving from quiet progress into visible execution. As availability tightens and V1 draws closer, the project is entering the stage where early positioning often gives way to broader awareness.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

:::tip This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.

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