Recently, analysts predict Mutuum Finance (MUTM), priced at $0.03 in its Phase 5 presale with a $11.9M raise, could surpass XRP, trading at $2.22 with a $130B market cap, by year-end.

MUTM’s dual-lending DeFi model (P2C and P2P) and CertiK-audited platform drive a projected 150x rally to $4.50, fueled by $100K giveaway and 12,900 holders. XRP, down 2.5% last week, faces $2.27 resistance, with a 1.3x rally to $2.80 possible on 90% ETF approval odds.

However, XRP’s regulatory overhang and $1.95 support risk contrast MUTM’s low-cap upside and Defi tokenomics, potentially outpacing XRP’s market cap growth by December 2025.

What separates Mutuum Finance (MUTM) from conventional DeFi platforms is its innovative lending structure. It will introduce a peer-to-peer (P2P) experience that’s built for full customization.

Unlike platforms that force users into standardized borrowing terms, Mutuum’s P2P model gives both borrowers and lenders total control.

Users will be able to set their own loan duration, interest rate, and even accept partial fills from multiple lenders—all on-chain and without intermediaries.

The use cases extend far beyond basic crypto trading. In the P2C model, one retail user, for example, can deposit $20,000 in ADA as collateral—based on a 60% loan-to-value (LTV) ratio—and unlock a $12,000 borrowing amount.

In parallel, the protocol will offer passive dividends through mtTokens—interest-bearing tokens received when users lend assets into shared liquidity pools.

A user who deposits $15,000 worth of BNB into Mutuum’s peer-to-contract (P2C) pool will receive 15,000mtBNB in return, automatically accruing yield at an average annualized rate of 10.5% (depending on pool utilization).

These mtTokens act as a user’s proof of deposit and will grow in redeemable value as interest accumulates from borrower activity.

No need to manually compound or monitor: the interest grows passively over time, making it one of the simplest yet most effective ways to earn in DeFi.

The protocol plans to use a portion of its profits to buy back MUTM tokens from the open market and redistribute them to mtToken stakers in the designated contracts.

This approach does two things: it strengthens long-term user incentives while applying continuous upward price pressure on the token itself.

As the ecosystem scales, these mechanics are expected to compound value for early supporters.

To further drive confidence in its rollout, the team has introduced a $50,000 Bug Bounty Program.

This initiative supports the upcoming launch while reinforcing security across the smart contracts, which have already undergone CertiK’s thorough review processes.

Additionally, the project has launched a $100,000 giveaway for early token buyers—ten winners will receive $10,000 worth of MUTM, further boosting the incentive to join before the next price jump.

The excitement around Mutuum Finance (MUTM) isn’t speculative—it’s tied to real lending activity, on-chain revenue generation, and user engagement.

For those who are tired of watching XRP stagnate and want to move their capital into a token designed for growth, income, and utility, this may be the moment to act.

The $0.03 price tag today will be a distant memory by the end of the year, and as the DeFi sector evolves, Mutuum is quickly becoming the one token everyone will wish they had discovered sooner.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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