As the DeFi space matures in 2025, a new contender is gaining momentum— Mutuum Finance (MUTM) . Analysts and early adopters alike are signaling that this decentralized liquidity protocol is on track to outshine even legacy projects like Ripple (XRP). With a rapidly progressing presale, unmatched DeFi functionality, and a model that blends both passive income and active lending strategies, Mutuum Finance (MUTM) is capturing serious attention—and for good reason. Ripple (XRP)’s limited room for growth vs. MUTM’s expanding opportunity Ripple (XRP) has long been positioned as a cross-border payment solution. While Ripple (XRP) remains relevant, its current market price leaves limited room for explosive growth. The upside from today’s price to a $3.5 target, though meaningful, pales in comparison to what Mutuum Finance (MUTM) offers at its current valuation. Mutuum is now in Phase 5 of its presale, priced at just $0.03 per token with 150 million tokens allocated at this stage. Previous phases started at $0.01, $0.015, $0.02, and $0.025 respectively. Investors who joined in Phase 1 have already secured a 200% gain before public listing. With six phases still to go—including prices climbing steadily to $0.06 by Phase 11—early movers stand to gain significantly more than latecomers. A $2,000 investment in Phase 1 would already be valued at $6,000 by Phase 5, with further upside expected at launch. At the core of Mutuum Finance (MUTM) is a decentralized, non-custodial protocol that enables both P2C (pool-to-contract) and P2P (peer-to-peer) lending. This dual model is what differentiates it from many current platforms—including Ripple (XRP)’s utility scope. In the P2C model, users will deposit digital assets into shared liquidity pools. These pools are then used by borrowers who provide sufficient collateral to access funds. The interest rates for both borrowers and lenders will adjust dynamically based on pool utilization, helping to maintain balance and fairness across the ecosystem. Lenders will earn passive income directly tied to borrowing demand, while borrowers will enjoy transparent, algorithmically adjusted terms. P2P lending introduces even more flexibility. Users will be able to lend or borrow specific tokens directly from one another, including tokens not typically supported in standard DeFi platforms—such as memecoins like PEPE, DOGE, and SHIB. This peer-driven system enables personalized interest terms, opens up new lending markets, and gives users greater control over their strategies. mtTokens and passive rewards for long-term investors Every user who deposits assets into Mutuum Finance (MUTM) will receive mtTokens—tokenized representations of their deposits that accumulate interest over time. These mtTokens not only grow in value as interest accrues but also unlock the ability to earn additional MUTM tokens through staking. The protocol will distribute passive dividends to stakers by using protocol-generated revenue to buy MUTM tokens from the open market. These purchased tokens will then be distributed to users who stake their mtTokens in Mutuum’s safety module. This model rewards ecosystem contributors while helping stabilize token demand and long-term value. Mutuum Finance (MUTM) is currently undergoing a full CertiK audit, which already reports a Token Scan Score of 80.00. That score reflects the protocol’s technical stability and security, signaling confidence for those evaluating it against more established projects like Ripple (XRP). All funds within the platform will be stored in non-custodial smart contracts. Users will retain full control over their deposits at all times, ensuring that even as funds are deployed in lending operations, the protocol cannot move or access them without explicit user consent. This setup underscores Mutuum’s commitment to decentralization and user sovereignty. Borrow without selling—preserve exposure, unlock liquidity One of Mutuum’s most appealing features is its borrowing model. Users will be able to access liquidity by depositing collateral—without having to sell their assets. For example, a user holding ETH who expects future price growth can deposit it to borrow stablecoins, invest in other opportunities, or cover expenses while still maintaining ETH exposure. Loans will remain open indefinitely, provided collateral value remains sufficient. This flexibility allows users to manage their positions dynamically, repay when convenient, and reclaim collateral without penalty. Mutuum Finance (MUTM) is more than a speculative token—it’s a protocol backed by utility. The upcoming beta platform will launch at token go-live, offering immediate functionality for lending, borrowing, staking, and earning. With more than 11,800 holders already onboard and over $10.20 million raised, the presale is progressing quickly. The $100,000 giveaway campaign further incentivizes participation, rewarding those who join the ecosystem during this crucial growth phase. MUTM is the token Ripple (XRP) will be watching Ripple (XRP) has built a name over the past decade, but Mutuum Finance (MUTM) is bringing forward-looking features that Ripple (XRP) simply doesn’t offer—DeFi lending, flexible P2P support, passive income through mtTokens, and a clear plan for token utility and growth. As Ripple (XRP) works to reclaim past highs, MUTM is racing through its presale phases, gathering momentum, and positioning itself for one of the most dynamic entries of 2025. By the time Ripple (XRP) touches $3.5, many MUTM investors will already have multiplied their capital, secured long-term yield streams, and staked their claim in the next era of decentralized finance. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Why analysts predict MUTM will outshine XRP before it hits $3.5 in 2025 appeared first on Invezz
