Mutuum Finance (MUTM) Price Prediction 2026: Experts See 750% Upside as V1 Protocol Activated

Dubai, UAE, February 2, 2026

The digital asset market is moving away from purely speculative tokens and toward platforms that offer functional value. As the first quarter of 2026 begins, a specific decentralized finance protocol is emerging as a primary focus for growth-oriented capital. For months, this project has been refining its code and building its community in a structured environment.

Now, the transition from a development phase to a working system is signaling a major shift in its market valuation. Those who track the transition from “paper plans” to live technical execution often find that this is the moment when an asset’s potential finally aligns with its price trajectory.

Mutuum Finance (MUTM) and the Path of Growth

Mutuum Finance (MUTM) is developing a lending and borrowing protocol designed to improve capital efficiency through a dual-market structure. The system is being built to support different use cases, from standardized liquidity access to fully customized loan agreements.

The first planned market is Peer-to-Contract (P2C). In this structure, users would supply assets into shared liquidity pools to enable instant borrowing. Interest rates are intended to adjust automatically based on pool utilization. 

For example, if demand for borrowing increases and a pool becomes heavily used, the supply APY could rise to attract more liquidity. In similar DeFi lending models, variable APYs typically fluctuate within a broad range, often starting in the low single digits during low demand and increasing as utilization grows.

The second market is Peer-to-Peer (P2P). This marketplace is designed to allow lenders and borrowers to negotiate terms directly, including interest rates and collateral requirements. For instance, a lender might agree to a fixed APY with a borrower using a less liquid asset as collateral, where pool-based lending would not be suitable. This model is intended to support niche assets and more tailored strategies while keeping terms transparent

The project has achieved impressive financial momentum since its early stages in Q1 2025. It has raised over $20.1 million and attracted more than 19,000 holders. Participation is currently managed through a structured presale that is currently in Phase 7. 

MUTM is priced at $0.04, which is a 300% jump from the initial Phase 1 price of $0.01. With a total supply of 4 billion tokens, exactly 45.5% (1.82 billion) are allocated to the presale. This large community allocation ensures that the majority of the initial supply is held by early supporters rather than centralized firms.

V1 Activation: The Engine of Value

A major turning point was reached with the activation of the V1 protocol on the Sepolia testnet. This step confirms that the core lending and borrowing logic is working in a live environment. While still in testing, it allows users to interact with the system using test tokens in a fully risk-free setting.

In the current V1 testnet, users can test the protocol using four assets: USDT, ETH, LINK, and WBTC. These assets can be supplied to liquidity pools, borrowed against collateral, and repaid to observe how the lending flow operates. The testnet also demonstrates how interest rates respond to pool usage and how positions evolve over time.

A central feature of the system is the mtToken. When assets are supplied during testing, mtTokens are issued as deposit receipts. These tokens are designed to grow in value as interest is generated by borrowers. Users can also track key safety metrics such as the health factor and stability factor, which show how collateral levels and liquidation risk are managed within the protocol.

To support the long-term price of MUTM, the protocol’s roadmap highlights a buy-and-distribute mechanism. A portion of the fees generated from lending activity is used to purchase MUTM tokens on the open market. These tokens are then distributed to participants who stake in the protocol’s safety module. 

This creates consistent buying pressure and aligns the token’s value with the platform’s usage. Because of these strong utility mechanics, analysts are highly optimistic about the future. Many experts predict that MUTM could move toward the $0.20 to $0.40 range. This would represent a 750% to 1,000% upside from the current Phase 7 entry point as long as the mainnet follows as the roadmap unfolds.

Security, Transparency and Community Rewards

Security is the primary pillar of the Mutuum ecosystem. The project has successfully completed an independent security audit with Halborn Security, a top firm known for reviewing complex smart contracts. 

Additionally, the token has earned a high 90/100 score from CertiK, verifying that the code meets institutional safety standards. To provide an extra layer of protection, the team maintains an active $50,000 bug bounty program. This program pays external security experts to find and report any potential flaws before the final mainnet launch.

The project also maintains a high level of community engagement through a 24-hour leaderboard. Every day, the top contributor to the presale is rewarded with $500 in MUTM tokens. This transparent system keeps the community active and demonstrates the team’s commitment to rewarding its supporters. 

With the V1 protocol live and the security audits complete, the window to join at the $0.04 level is closing quickly. The confirmed launch price of $0.06 is the next crypto milestone on a path that many experts believe leads to a crypto breakout in the 2026 cycle.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance