Mutuum Finance Raises $19.5M in Presale Amid U.S. Crypto Regulatory Surge

TL;DR

• Moonshot AI secures $500M Series C funding at $4.3B valuation, led by IDG with participation from Alibaba and Tencent
• Solana investment products attract $7.5M in new capital as whale accumulation signals potential price recovery amid 46% Q4 decline
• Mutuum Finance (MUTM) raises $19.5M in presale, achieves 90/100 CertiK audit score and launches V1 lending protocol on Sepolia testnet
• U.S. crypto regulatory clarity accelerates: GENIUS Act signed, SEC fast-tracks ETF approvals, and states like Texas and Arizona establish crypto reserves
• Notion releases free founder operating system with 58 templates and 10,000+ investor profiles to accelerate early-stage startup scaling

Mutuum Finance Raises $19.5M and Launches Testnet Lending Protocol Amid Strong Security Posture

What does the $19.5M presale indicate about investor confidence?

Mutuum Finance raised $19.3M–$19.55M across seven presale phases, attracting 18,560–18,730 unique wallets. Each phase increased the token price by approximately 300%, creating a structured demand curve. Retail participation was broadened by a card-payment gateway, reducing entry barriers for non-crypto-native investors. Phase 7 allocated 180M tokens to approximately 100 large wallets, signaling institutional interest but introducing centralization risk.

How does the 90/100 CertiK audit score impact credibility?

CertiK awarded a 90/100 audit score for smart-contract compliance, with additional validation from Halborn on the lending module. A $50k bug bounty program and public audit artifacts enable continuous security hardening and third-party verification. This layered approach distinguishes MUTM from projects relying on single-audit claims.

What is the significance of the Sepolia testnet launch?

The V1 lending protocol deployed on Sepolia Ethereum testnet in Q1 2026 supports ETH and USDT as collateral, uses Chainlink oracles for real-time pricing, and implements LTV caps and automated liquidations. Migration scripts are prepared for mainnet transition in Q2–Q3 2026, preserving state and reducing deployment risk. Early testnet use allows parameter tuning before capital deployment.

What are the key tokenomics risks?

Total supply is 4B MUTM, with 45.5% (1.82B tokens) allocated to presale. Of this, 1.0B tokens have been sold to date. The remaining 2B tokens are reserved for ecosystem incentives, liquidity, and governance. Concentration of 45% supply among early backers poses sell-pressure risk. Mitigation includes planned staking rewards, governance rights, and fee-based utility demand.

What is the projected timeline for mainnet and adoption?

• Jan 2026: Presale closure, 18.7k investors onboarded
• Feb–Mar 2026: Sepolia V1 beta open for lending/borrowing
• Apr–Jun 2026: Mainnet migration with state preservation
• Jul–Sep 2026: AMM liquidity seeding and staking incentives launched
• Oct–Dec 2026: Governance voting enabled

Projected TVL growth of 30–45% within six months of mainnet launch is contingent on liquidity provisioning matching borrowing demand. Token price is expected to stabilize between $0.07 and $0.09 if market conditions remain aligned with broader crypto trends.

What external factors support MUTM’s positioning?

Rising BTC price projections ($250k by 2026), declining speculative interest in meme coins, and regulatory clarity following Ripple’s SEC resolution create favorable macro conditions for utility-focused DeFi protocols. The synchronization of audit completion with Phase 7 price increases further reinforces investor trust.

U.S. Crypto Regulatory Clarity Drives ETF Inflows and State Reserve Adoption

What has changed in U.S. crypto regulation?

The GENIUS Act, signed July 18, 2025, established a federal framework for stablecoins requiring 100% reserve backing and OCC-supervised issuance. This enabled pilot programs at three U.S. banks by January 2026.

The SEC reduced ETF approval timelines from 240 to 75 days in September 2025, accelerating spot BTC and ETH ETF approvals. Filing volume rose 63% year-over-year. By Q1 2026, 45% of new ETF applications referenced the SEC’s token-taxonomy roadmap, which classifies tokens as securities, commodities, or utility-only.

The CFTC confirmed expanded jurisdiction over crypto derivatives in December 2025, eliminating enforcement overlap with the SEC and enabling regulated crypto futures and swaps by mid-2026.

How are states responding?

Texas enacted the Crypto-Reserve Act in October 2025, holding $5 million in BlackRock’s spot-BTC ETF. Arizona signed the Digital-Asset Treasury bill in November 2025, earmarking $10 million for a diversified basket of BTC, ETH, USDC, and USDT. Both laws explicitly reference the GENIUS Act’s reserve standards.

New Hampshire passed a similar bill in December 2025, reinforcing a regional trend toward state-level crypto reserve experimentation.

What market impacts have emerged?

• Spot-BTC ETF net inflows: $21.4B (Q4 2025) → $23.1B (Q1 2026) (+8% YoY)
• Spot-ETH ETF net inflows: $9.6B → $11.2B (+17% YoY)
• Stablecoin market cap: $300B → $306B (+2%)
• 30-day BTC realized volatility: 5.2% → 3.7% (–1.5 percentage points)
• Institutional crypto allocation: 12% → 13.5% of surveyed budgets

What’s next?

• A federal-state reserve coordination bill is expected to pass by Q3 2026, mandating Treasury reporting of state-held crypto.
• Three major U.S. banks are projected to launch interest-bearing, GENIUS-compliant stablecoins by mid-2026.
• At least 10 new spot ETFs (including Solana, Cardano, tokenized RWAs) may launch by Q4 2026, pushing total crypto-ETF assets above $120B.
• Corporate treasurers may allocate ≥5% of cash equivalents to crypto-reserve baskets by 2027.

The convergence of federal legislation, agency rulemaking, and state adoption has created a predictable regulatory stack. Liquidity inflows and reduced volatility confirm regulatory clarity is driving capital efficiency.