DeFi Crypto Mutuum Finance (MUTM) Completes Security Milestones With Nearly $20M Raised

DUBAI, United Arab Emirates, Jan. 16, 2026 (GLOBE NEWSWIRE) -- Interest in early-stage DeFi crypto continues to build as several new protocols move closer to functional deployment. One of the names drawing attention in this trend is Mutuum Finance (MUTM). The project is now entering a phase where its development roadmap and structural design are becoming more visible to investors. The combination of product buildout, security work, and token distribution has created what many in the market view as an anticipation window.

DeFi Crypto Mutuum Finance (MUTM) Completes Security Milestones With Nearly $20M Raised2

Mutuum Finance Works Toward Dual Markets

Mutuum Finance is a new crypto protocol focused on building a lending and borrowing system with structured mechanics. The goal is to allow users to supply liquidity and earn yield, while borrowers access capital against collateral under defined rules. The model includes interest logic, collateral safeguards, and liquidation pathways to protect liquidity during volatility.

This type of system is familiar in the broader lending space, but Mutuum Finance aims to create more flexible market structures that support both pooled lending and matched lending. This approach allows different user types to interact based on credit needs and deposit strategies rather than broad speculation alone.

The project opened its token offering in early 2025. Since then, participation has expanded. More than 18,800 holders now have exposure to MUTM and the offering has raised close to $20 million in funding. That level of participation is notable for a protocol that has not yet begun full utility on-chain. It signals that interest has formed during the build phase rather than waiting for live activity.

Phase Progression and Allocation Structure

Mutuum Finance uses a tiered pricing structure for early token distribution. Each phase assigns a fixed allocation at a defined price level. Once the allocation is sold out, the offering advances to the next phase with a higher price.

The token currently sells at $0.04 in Phase 7. This stage represents the most recent tier before public listing. The structure is intended to reward early participation while maintaining clear cost basis ranges as the protocol moves toward its launch window.

The offering began at $0.01 in early 2025. That means the current pricing represents a 300% MUTM appreciation from the first tier. The confirmed listing price for public markets sits at $0.06. Because Phase 7 sits below that level, many participants view the phase as a discounted access window ahead of open liquidity.

Token Supply Breakdown and Distribution Mechanics

Mutuum Finance set the total token supply at 4 billion MUTM. From that supply, 45.5% is allocated for the ongoing offering. That equals roughly 1.82 billion MUTM. More than 825 million tokens have already been sold across the first seven pricing tiers. This allows analysts to track both the flow of supply and the rate of distribution as the project approaches its launch stage.

DeFi Crypto Mutuum Finance (MUTM) Completes Security Milestones With Nearly $20M Raised1

The sale does not use inflationary emissions. Tokens do not enter circulation through farming or variable minting. Instead, distribution is controlled by fixed allocation tiers. This structure is seen as favorable by many early participants because it prevents uncontrolled dilution during the period before usage begins.

The project also added card payment support, which reduced participation friction for users who do not want to rely on wallet transfers. Many token offerings limit access to on-chain assets only, but Mutuum Finance has widened access earlier in the cycle. This has increased participation from retail users who prefer lower barriers to entry.

Security Milestones Ahead of Protocol Launch

Security is one of the core components for lending platforms. Liquidations, collateral handling, and interest calculations must work correctly on day one or the system can lose liquidity. Because of this requirement, Mutuum Finance completed several security steps ahead of deployment.

The protocol passed a Halborn smart contract audit, which reviewed code related to lending mechanics, collateral logic, and liquidation execution. Halborn is known for auditing more complex financial protocols rather than short-term speculative projects.

This security preparation is seen by many as a sign that the protocol is targeting long-term usage rather than quick promotional cycles. Institutional participants and serious holders often evaluate these boxes before committing capital. With the audit completed and the bug bounty active, many now view Mutuum Finance as a new crypto moving past the early speculative stage and into the final preparedness window.

V1 Launch Window and Roadmap Phase 2

The next crypto milestone for Mutuum Finance is the V1 protocol launch. According to official updates, V1 will activate pooled lending, matched lending, collateral rules, and liquidation logic. This will be the point where real usage begins on-chain. After V1 deployment, data from borrowing and lending can enter valuation discussions. In the current stage, valuation is based on narrative, supply flow, and development progress.

As V1 approaches, the offering is now moving through Phase 2 of the roadmap. This phase includes security verification, access improvements, and stablecoin integration planning. Once these components align, the protocol is positioned to enter the public usage cycle.

For many investors, these milestones have created urgency during Phase 7. The combination of nearly sold allocation, confirmed listing price, and V1 preparation has made MUTM one of the top crypto projects watched in the early-stage lending category.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

Media Contact Information
J. Weir
Contact@mutuum.com

DeFi Crypto Mutuum Finance (MUTM) Completes Security Milestones With Nearly $20M Raised

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