For years, XRP has been seen as one of the safer names in crypto. But with slow growth and limited innovation, many investors are starting to ask a simple question — is XRP still worth the hype? A new DeFi token, Mutuum Finance (MUTM), is now gaining attention for doing something XRP hasn’t done in years: turning small early investments into large returns. A $1,000 buy-in during its early presale phase is now worth $3,500 — and that’s before its official launch. With more growth ahead, MUTM is being called a top crypto to watch as it prepares for listing.
The Rise of a Utility Token
Mutuum Finance (MUTM) is still in presale Phase 6, priced at $0.035. The project has raised around $18 million and attracted more than 17,450 holders. About 75% of the current phase supply has already been sold. Once Phase 7 begins, the price will rise to $0.040 — a 15% increase — making this the last discounted stage before the next tier.
While XRP focuses on cross-border transactions, Mutuum Finance (MUTM) is building a full decentralized finance platform that combines lending, borrowing, and staking in one place. Its dual-lending model will include two systems: pool-based lending (P2C) for stable returns and peer-to-peer (P2P) lending for flexible agreements. This design will create constant token activity and support long-term use across both sides of the lending market.
Unlike meme coins or speculative projects, Mutuum Finance (MUTM) plans to launch its live platform and token listing at the same time. This synchronized release will allow traders and lenders to use the product right away. The moment trading opens, users will already have access to working modules — including live lending, borrowing, and mtToken staking — which can boost visibility and demand from the start. Tokens tied to functional products often attract faster listings on Tier-1 and Tier-2 exchanges, and Mutuum aims to follow that same path.
Mutuum Finance (MUTM) also plans to introduce a decentralized stablecoin pegged to $1. This stablecoin will be created when users borrow against collateral such as ETH, SOL, or AVAX, and it will be removed from circulation when loans are repaid or liquidated. Every minting and repayment action will create on-chain movement, adding more reasons for people to use MUTM regularly.
Real Growth Backed by Platform Use
Mutuum Finance (MUTM) is designed to grow through activity — not hype. Every function, from lending and borrowing to staking and buybacks, is linked directly to the token itself. As the number of users increases, the platform will see more volume, which will naturally raise the demand for MUTM.
One of the most exciting features is its buy-and-distribute system. A part of the platform’s revenue will be used to buy MUTM tokens from the open market. These tokens will then be distributed to users who stake their mtTokens. This cycle gives stakers consistent rewards and creates natural buying activity on exchanges. The more the platform is used, the stronger this effect becomes.
Mutuum’s roadmap also includes the launch of V1 of the protocol on Sepolia Testnet, expected in Q4 2025. This version will introduce the Liquidity Pool, mtToken, Debt Token, and Liquidator Bot — showing that the development is progressing toward a live product. In the early phase, users will be able to lend, borrow, and use ETH or USDT as collateral.
Such technical milestones help Mutuum Finance (MUTM) stand out among the top crypto projects of 2025. Where XRP depends on external partnerships, MUTM’s strength comes from self-sustaining token activity. Every user action — lending, borrowing, or staking — supports the token’s long-term value.
An early investor example makes this clear. A buyer who joined Mutuum Finance (MUTM) in its early stage at $0.010 with $1,000 secured 100,000 tokens. At the current presale price of $0.035, that same investment is valued at $3,500. Once listing and trading go live, this performance already puts MUTM ahead of many legacy projects and adds strong credibility to optimistic crypto predictions targeting $1 and beyond.
A Growing Community and Rising Momentum
Mutuum Finance (MUTM) has a significant community base, with over 12,000 people following them on Twitter. The $100,000 giveaway, which will offer ten people $10,000 apiece in MUTMs, is making things even more exciting. The 24-hour leaderboard has been improved with the addition of daily incentives. If the top user makes at least one transaction over that 24-hour period, they will get a $500 MUTM incentive. At 00:00 UTC every day, the leaderboard refreshes on its own. These efforts keep the community busy and show how open and energetic the project is.
XRP used to be the best way for businesses to make payments, but now the market rewards platforms that make genuine, useful things. Mutuum Finance (MUTM) is more than simply a presale; it’s the start of a whole ecosystem. New investors don’t have much time left to buy in at $0.035 as Phase 6 comes to an end and the next price spike comes closer.
XRP used to move markets by making people believe in it. Mutuum Finance (MUTM) will do it through usefulness, technology, and steady growth. Every phase sold gets it closer to the live platform and closer to showing that the real value of crypto comes from using it, not from promises.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.
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