For years, XRP has held a reputation as a reliable crypto asset, especially for those seeking exposure to cross-border payments.

Yet as the market evolves, many investors are rotating into higher-alpha DeFi projects where lending activity creates not just yield, but also consistent buy pressure on the native token.

Analysts are now highlighting Mutuum Finance (MUTM), a new DeFi protocol in presale, as a project that will deliver stronger returns by combining interest-earning opportunities with token value appreciation.

A practical example makes this shift clear. A conservative institutional lender will allocate 30,000 USDC into Mutuum Finance (MUTM)’s peer-to-contract (P2C) model, where stablecoins and blue-chip assets are pooled into audited smart contracts.

At a medium utilization rate, this allocation will earn 11.8% APY, translating into 3,540 in year-one passive income. The lender will receive mtUSDC tokens, which represent the deposit and interest, ensuring full transparency and liquidity.

On the borrower side, a LINK holder will commit 9,500 LINK at a 65% loan-to-value ratio to unlock 6,200 USDC in liquidity while maintaining long exposure to LINK’s upside.

Both use cases highlight how Mutuum Finance (MUTM) will outperform XRP for investors who want yield combined with asset appreciation.

Unlike XRP, which has a narrowly defined utility, Mutuum Finance (MUTM) will offer a dual structure that expands access to more assets. For higher-risk or less liquid tokens, the platform will provide a peer-to-peer (P2P) marketplace.

This isolates meme-coin risk away from the core liquidity pools, protecting stability while still allowing high-yield opportunities for lenders willing to take more risk.

This dual approach will give Mutuum Finance (MUTM) flexibility unmatched by traditional DeFi platforms, positioning it as a strong candidate for those considering investing in crypto with diversified strategies.

Total Supply 4 billion; PHASE 6 price $0.035; around $15.10M generated so far; Holders: over 15,850; 30% already sold out of this phase supply; Phase 7 will step price to $0.040 (+15%); CertiK Audit (Manual Review, Static Analysis); Token Scan Score 95.00; CertiK Skynet Score 78.00; Audit Timeline requested 2/25/2025 revised 5/20/2025; 12K+ X followers; $50,000 USDT Bug Bounty (Critical up to $2,000; Major up to $1,000; Medium up to $500; Low up to $200); $100K giveaway (ten winners x $10,000 worth MUTM).

Beyond the presale momentum, Mutuum Finance (MUTM) will rely on lending mechanics designed to maintain long-term sustainability. Pool APYs will automatically rise as utilization increases, incentivizing fresh deposits while discouraging excessive borrowing.

Loan-to-value caps will set the maximum borrowing limit for each asset, ensuring risk is tightly managed. If collateral values fall below the required threshold, auto-liquidations will stabilize the pools and protect lenders. Repayments will follow borrower schedules or liquidation events, making the system function without manual intervention.

Investors are already noticing the difference in ROI compared to established assets like XRP. A Phase 1 buyer who rotated $7,500 from XRP into Mutuum Finance (MUTM) at $0.01 is already looking at a 3.5x gain at the Phase 6 price of $0.035.

With the planned listing price of $0.06, this investor will be on track for a 6x return on paper before exchange listings even begin.

Analysts believe the upside will continue as the beta platform launches alongside the listing, leveraging Layer-2 throughput for scalability, buyback mechanisms that convert protocol revenue into open-market MUTM purchases, and anticipated listings on major centralized exchanges.

For those weighing the question crypto is a good investment, Mutuum Finance (MUTM) represents a strong case study. It will merge predictable yield opportunities with token demand growth, creating a sustainable path for ROI that outpaces legacy assets.

As the DeFi sector expands, this project is aligning itself with the very core of what forward-looking crypto investing will require: transparency, liquidity, and real utility.

The urgency is building quickly. Phase 6 is already 30% sold, and once Phase 7 begins, the presale price will increase to $0.040. For those serious about investing in crypto, this is the moment to act before the next price step locks in higher entry levels.

Analysts are confident that Mutuum Finance (MUTM) will redefine what high-performing DeFi looks like, and the current presale is offering investors the best chance to position themselves ahead of the curve.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Is this the best crypto coin to buy? Analysts say this $0.035 DeFi gem can outperform XRP in ROI appeared first on Invezz

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