Mutuum Finance Presale Enters Second Half of 2026 with Strong Momentum

Mutuum Finance has been running its presale since early 2025 and is still one of the most talked-about DeFi raises heading into the second half of 2026. The protocol allows users to lend, borrow, and earn interest directly through smart contracts without the need for banks or middlemen.

Mutuum Finance operates on a Peer-to-Contract model where lenders pool their crypto, borrowers draw against it with collateral, and interest rates adjust automatically based on pool usage. Depositors receive mtTokens that track their share plus accrued interest.

The presale is structured across 11 fixed-price phases, with the current phase in Phase 7 at $0.04 per token. The sale has raised roughly $24 million and has more than 19,000 holders as of mid-to-late July 2026.