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DUBAI, United Arab Emirates, Jan. 20, 2026 (GLOBE NEWSWIRE) -- Development in the DeFi crypto sector continues to advance as teams prepare for the next growth cycle. One of the new crypto projects gaining attention is Mutuum Finance (MUTM), which is progressing through its roadmap milestones ahead of a planned protocol launch. The team recently confirmed that work is shifting toward Phase 3 as testing and infrastructure tasks move forward.Protocol Overview and Design GoalsMutuum Finance (MUTM) is building a decentralized lending protocol that will enable users to supply and borrow digital assets through smart contracts. The system will feature two lending markets. One market will support pooled lending between users and the protocol, while another market is designed for direct lending between users. This dual structure aims to support both retail users seeking simple borrowing terms and more advanced users who want control over their lending parameters.Users who deposit assets into the protocol will receive mtTokens. These tokens track the deposited balance and the interest that accrues over time. Borrowers will post collateral to unlock liquidity. This model allows users to access funds without selling their long-term holdings, which is a common behavior during bullish crypto periods.The protocol intends to support interest rate calculations, collateral rules, lending pools, borrower repayment logic, and liquidation events ...Full story available on Benzinga.com