Crypto Investors Rush to This New Project After $20M Funding Milestone

DUBAI, United Arab Emirates, January 31, 2026

The crypto market is heating up again, and investors are pouring funds into early-stage projects showing real development progress rather than just promises. One of the standout performers of 2026 so far is Mutuum Finance (MUTM) — a new DeFi lending and borrowing protocol that has quickly gained attention after surpassing $20 million in total funding and launching its V1 protocol on the Sepolia testnet.

The combination of tangible progress, verified audits, and a still-discounted token price has fueled investor excitement, positioning Mutuum Finance as one of the most anticipated DeFi launches of the year.

$20 Million Raised and Rapid Investor Interest

Mutuum Finance’s presale has attracted widespread attention for its clear roadmap and working product. The project has now raised over $20.25 million, with nearly 19,000 holders participating. Following the team’s announcement of the V1 protocol launch, a single whale contributed roughly $175,000 in one transaction, while total contributions surged by nearly $300,000 within just 72 hours.

Currently priced at $0.04 in Phase 7 of the presale, the MUTM token has already seen a 300% increase from its initial price of $0.01 in Phase 1. With a confirmed launch price of $0.06, investors entering now are still accessing MUTM at a significant discount. According to the project’s data, more than 840 million tokens have been sold, representing nearly half of the total 1.82 billion tokens allocated for the presale — a clear indicator of high demand and growing investor confidence.

Why Investors Are Rushing Into Mutuum Finance

Investor enthusiasm for Mutuum Finance stems from the project’s ability to deliver real progress while still in its early stages. While many crypto projects remain conceptual during their presales, Mutuum has already launched a functioning protocol on the Sepolia testnet, allowing users to experience its core lending and borrowing features in a live environment — using testnet tokens rather than real assets.

This working demonstration gives investors a unique opportunity to see how the final platform will operate before the mainnet release, enhancing credibility and building trust within the community.

Inside the V1 Protocol: Key Features and Functionality

The Mutuum Finance V1 protocol marks the project’s first public showcase of its lending and borrowing mechanics. The testnet currently supports four major digital assets — ETH, USDT, WBTC, and LINK — and lets users simulate real DeFi actions such as supplying, borrowing, and staking.

When users supply assets, they receive mtTokens, which represent their deposits and automatically accumulate simulated yield over time. These mtTokens can also be staked to earn MUTM rewards through the project’s buy-and-distribute mechanism, which will — once the protocol goes live — use platform-generated fees to repurchase MUTM tokens and redistribute them to stakers.

Borrowers receive Debt Tokens, representing both principal and interest owed, while the Automated Liquidator Bot monitors borrowers’ positions to ensure the platform remains solvent. Additionally, Mutuum employs a Health Factor system to measure collateral safety — loans with a score above 1.0 are healthy, while those below 1.0 risk liquidation.

Every participant on the testnet can view their positions, balances, and risk levels through a portfolio page, providing transparency and real-time insights into their simulated lending and borrowing activities.

All of this takes place in a controlled testnet environment, using Sepolia test tokens — not live funds — allowing users to explore and understand the platform safely ahead of mainnet deployment.

Security has been a major focus for Mutuum Finance since its inception. The project’s lending and borrowing smart contracts have been successfully audited by Halborn Security, while the MUTM token contract achieved a 90/100 Token Scan Score from CertiK, one of the most respected blockchain security firms. These verifications give investors added confidence that Mutuum is building on a secure and transparent foundation.

The team has also confirmed that additional protocol features are in active development, stating that new updates are planned in the coming weeks as the project builds toward mainnet readiness.

Still Time to Buy MUTM at a Discounted Price

With strong audit credentials, a working protocol already live on testnet, and more than $20 million raised, Mutuum Finance is quickly emerging as one of 2026’s most promising DeFi projects. Analysts expect the token to attract listings on major exchanges once it launches, potentially driving significant price momentum.

For now, MUTM remains in its presale phase, priced at $0.04 — well below the $0.06 launch price. As the remaining allocation of tokens continues to shrink, investors still have a limited window to enter early before public trading begins.

Mutuum Finance is not just another DeFi concept — it’s already delivering. And with the market preparing for its next bull run, early participants may find themselves ahead of the curve once MUTM officially hits the market.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance