With XRP (XRP) struggling to break out of its stagnant price range, retail and mid-size crypto investors are actively rotating capital into emerging projects with stronger upside. One name that has surged to the top of watchlists is Mutuum Finance (MUTM) . Currently in Phase 5 of its presale at just $0.03 per token, the platform has already raised over $11.3 million and attracted more than 12,600 holders. As the price will increase in Phase 6 to 0.035, this will be the last chance to lock in a low entry before listing momentum kicks in which will increase the final price to 0.06 in Phase 11. What’s catching attention isn’t just the price—it’s the real earning mechanics behind the platform. Mutuum Finance (MUTM) is building a decentralized lending protocol with two modes: peer-to-contract (P2C) and peer-to-peer (P2P), covering both stable and volatile assets. Through its P2C system, users will be able to lend assets like USDT or ETH into smart contract pools and receive mtTokens in return. These mtTokens will accrue interest as borrowers tap into the liquidity, enabling real passive income. A user lending $20,000 in USDC, for example, will receive mtUSDC and, with an average 15% APY (based on pool utilization), will earn $3,000 annually. This model flips the old hold-and-wait strategy into something income-driven and sustainable. mtTokens will drive long-term yield while staking MUTM unlocks passive dividends Unlike XRP, where price movement is the only way to grow capital, Mutuum Finance (MUTM) is embedding passive earning opportunities directly into its ecosystem. Every time a user deposits into P2C pools, they will receive mtTokens that not only represent their share of the pool but grow in value automatically. These mtTokens will also be stakeable in designated contracts to qualify for protocol dividends—distributed via token buybacks from treasury revenue. This means users won’t need to trade to benefit; they’ll simply collect more MUTM for supporting the platform long term. Mutuum’s utility token (MUTM) is designed with multiple value anchors: it will reinforce the treasury, support buyback cycles, and reward stakers who commit to the protocol early. With a fixed total supply of 4 billion tokens and an upcoming beta launch on the roadmap, early participation offers exposure to both platform usage and token appreciation. Layer-2 integration will ensure faster and cheaper transactions, further enhancing the user experience across lending, borrowing, and staking functions. XRP investors tired of stagnant charts are already allocating capital into MUTM. Many are shifting $25,000 to $50,000 blocks with clear expectations. At just $0.03, a $50,000 investment would secure over 1.6 million MUTM tokens. Even at a conservative 10x, that allocation will be worth $500,000. The buzz isn’t limited to just retail. Medium-size whales from XRP and Avalanche (AVAX) communities are replicating this strategy, positioning for explosive upside as the platform prepares to go live. Security, growth potential, and the CertiK-verified advantage Security is often a make-or-break in DeFi, and Mutuum Finance (MUTM) has already partnered with CertiK for audit assurance and protection. The ongoing $50,000 CertiK Bug Bounty Program—split into four risk tiers—aims to fortify the protocol before launch. With a Skynet Score of 77 and Token Scan Score of 95, the platform is already demonstrating accountability well before its beta release. But technical security is just part of the long game. Mutuum is also building a decentralized stablecoin that will be minted only against collateral and burned upon loan repayment. Governed by adjustable interest rates and issuer caps, the stablecoin will be engineered to maintain its peg through both arbitrage and supply control. The protocol’s overcollateralization and liquidation mechanics will protect liquidity and ensure stable pool health, even in volatile markets. As interest shifts from price-locked tokens to real-yield protocols, Mutuum Finance (MUTM) is drawing serious capital. The current presale offers an entry point that combines stability, upside, and passive income. A simple investment of $10,000 at $0.03 secures 333,333 MUTM tokens. A 20x surge post-listing brings that total to $200,000—an outcome XRP investors haven’t seen in years. With over 12,600 holders already in, and Phase 5 nearing its end, the window is closing quickly. This presale isn’t just about early pricing—it’s about owning a slice of a DeFi platform that will reward liquidity, security, and patience. As users prepare to stake mtTokens and earn both interest and dividends, momentum is building fast. XRP may still be in consolidation, but Mutuum Finance (MUTM) is trending up—with a 10x horizon within sight. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post What to buy now, XRP slows down, and a $0.03 lending token is trending toward 10x appeared first on Invezz
