Dubai, UAE , February 16, 2026
Investors are placing less weight on roadmaps and more weight on working infrastructure. The strongest price movements are now tied to execution, specifically when a project shifts from development into an operational product.
That transition is unfolding with a decentralized finance protocol that has recently activated a key milestone in its buildout. Since its early distribution phase, the token has already appreciated by, reflecting growing confidence in its technical progress. As the protocol moves from concept to live functionality, many analysts see this as the early stage of a broader expansion cycle for decentralized credit.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is building a professional, non-custodial hub for lending and borrowing. Its goal is to create a more efficient credit market by removing intermediaries and using smart contracts to manage risk. The protocol is designed around a dual-market system that serves both passive earners and active deal-makers.
The first system is the Peer-to-Contract (P2C) market. This allows users to deposit assets like ETH, USDT, LINK, or WBTC into shared liquidity pools. In exchange, lenders receive mtTokens (such as mtUSDT or mtETH). These tokens are more than just receipts; they are interest-bearing assets. As borrowers repay their loans, the value of the mtTokens grows relative to the original deposit.
The second side is the Peer-to-Peer (P2P) market. This is intended for users who want to negotiate direct lending terms, such as custom interest rates or specific timeframes. To keep the entire ecosystem safe, all loans are over-collateralized. This means borrowers must deposit more value than they borrow. An Automated Liquidator Bot monitors these positions 24/7.
A Strong Foundation for Growth
The distribution of the MUTM token has been remarkably successful. Out of a total supply of 4 billion tokens, exactly 45.5% (1.82 billion tokens) were allocated for early community participants. The project has already raised over $20.5 million and attracted more than 19,000 individual holders. Currently, the project is in Phase 7, with the token priced at $0.04.
Since the journey began at $0.01 in early 2025, the token has already seen a increase in value. With more than 845 million tokens already sold, the remaining supply is shrinking fast as the project nears its confirmed launch price of $0.06.
Protocol Activation and the First Price Milestone
In a major technical leap, the Mutuum Finance team recently confirmed on X (formerly Twitter) that the V1 protocol is now live on the Sepolia testnet. This working beta allows users to interact with core lending and borrowing flows in a live but risk-fre.e environment. Participants can test liquidity pools featuring assets such as WBTC, USDT, ETH, and LINK, observing how supply and borrowing mechanics function in real time.
When users deposit into these pools, the system issues mtTokens, which act as yield-bearing receipts that increase in redeemable value as interest accrues. On the borrowing side, the protocol generates corresponding debt tokens that track outstanding obligations and update dynamically as interest accumulates. This transparent structure lets users monitor collateral positions, utilization rates, and repayment logic directly through the interface.
Analysts believe this technical milestone is the primary driver for the first price prediction. In a bullish scenario, experts suggest that MUTM could move to $0.12 to $0.18 shortly after its mainnet launch. This would represent a increase from the launch price. This projection is based on the “anticipation phase,” where the market begins to value the protocol based on its working tech and upcoming mainnet release.
Layer-2 and Buy-and-Distribute: Growth Catalysts
Looking beyond the initial launch, two major catalysts are expected to drive long-term value. First, the project has confirmed plans for Layer-2 integration. By moving to scaling solutions, Mutuum Finance will offer much lower transaction fees and faster speeds. This is crucial for a lending protocol where users frequently deposit, borrow, and repay. Lower fees attract more retail users, which increases the “Total Value Locked” (TVL) in the system.
Second, the protocol’s whitepaper features a buy-and-distribute model. A portion of the fees generated from lending activity is used to buy back MUTM tokens from the open market. These tokens are then redistributed to the users who stake their mtTokens in the safety module. This creates a constant “floor” of buying pressure that is driven by real usage rather than hype.
With these growth catalysts in place, analysts have issued a second, more ambitious price prediction. As the protocol scales and the buy-and-distribute model kicks in, experts see MUTM reaching a target of $0.40 to $0.60 by late 2026. From the current presale price of $0.04, this would represent a increase. This prediction is tied to the protocol successfully capturing a slice of the multi-billion dollar DeFi lending market.
When tracking the 2026 market, the combination of a live testnet, proven security, and high price elasticity makes Mutuum Finance a standout top crypto opportunity. The window to catch this utility before it is fully priced in is closing fast as Phase 7 moves toward completion.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer:
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry risk, including total loss of capital. Readers should conduct independent research and consult licensed advisors before making any financial decisions.
This publication is strictly informational and does not promote or solicit investment in any digital asset
All market analysis and token data are for informational purposes only and do not constitute financial advice. Readers should conduct independent research and consult licensed advisors before investing.
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