Mutuum Finance, a decentralized finance (DeFi) project, is making waves with its ongoing presale. The project, which aims to launch a decentralized lending system, has seen a surge in activity during its current Phase 7 presale. This phase is moving faster than previous ones, catching the eye of both new and returning participants.

The presale started in early 2025 with an initial token price of $0. 01. Unlike many projects, Mutuum Finance structured its sale in stages, with each phase introducing a higher price and a defined allocation amount. This approach aims to reflect the project's progress rather than short-term market speculation. Currently, Phase 7 is active at $0. 04, a 300% increase from the starting price. The official launch price is set at $0. 06, indicating further price increases as the protocol nears deployment.

So far, the presale has raised over $19. 9 million, with more than 18, 900 holders participating. This broad community involvement suggests a diverse range of contributors rather than a small group of private investors. Approximately 830 million MUTM tokens have been distributed from the presale pool, with a total supply of 4 billion tokens.

Mutuum Finance has allocated roughly 45. 5% of its total token supply for the presale. The remaining tokens are earmarked for development, ecosystem incentives, liquidity preparation, and partnership plans. This distribution model aims to create a more open and balanced token economy compared to projects that rely on small private allocations.

Phase 7 stands out due to its participation pacing and engagement features. One notable addition is the 24-hour leaderboard, which tracks contributions and rewards the highest contributor with $500 in MUTM. This simple mechanism has encouraged active participation and created consistent daily cycles of presale activity. Additionally, the inclusion of card payments has lowered the barrier to entry, allowing more users to participate directly from card platforms.

Mutuum Finance has confirmed that Phase 7 has already passed the 6% allocation mark, a faster pace compared to earlier phases. This acceleration coincides with an increase in the number of holders and multiple large entries, including allocations above $100, 000. The timing also aligns with increased visibility from the development side, as roadmap milestones become clearer and the protocol's first release window is identified.

The project's development trajectory is another factor contributing to Phase 7's attention. Mutuum Finance announced that its V1 protocol is scheduled for the Sepolia testnet in Q1 2026. V1 includes collateral handling, mtToken accounting, liquidation logic, and debt tracking. After testnet validation, the team will finalize mainnet preparation and deployment. The roadmap also references Phase 2 development, which includes the introduction of an over-collateralized stablecoin and oracle networks for price feeds.

With Phase 7 moving quickly, holders increasing, and funding surpassing $19. 9 million, Mutuum Finance is entering the period between final development and operational deployment. While still categorized as a new crypto project, the combination of structured presale distribution, development progress, and security validation has made it one of the DeFi protocols being tracked ahead of Q2 2026.

Mutuum Finance: A Closer Look at the DeFi Project's Rapid Growth

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