3 Reasons Why This Cheap Crypto Is Compared to XRP (XRP)'s Breakout Era

When XRP (XRP) was still cheap, few people imagined how fast attention, liquidity, and belief could stack up around it. That early phase was driven by utility, steady development, and growing trust during uncertain market moods.

Today, many analysts are starting to draw similar comparisons with Mutuum Finance (MUTM), a new crypto currently moving through its presale journey while quietly building real DeFi infrastructure. Even as the crypto fear and greed index swings between caution and optimism, MUTM is positioning itself as a project designed for long-term relevance rather than short-term hype.

Ongoing Presale and What Mutuum Finance (MUTM) Offers

Right now, Mutuum Finance (MUTM) is in presale phase 7, and its pricing history already tells a story of momentum. The MUTM token is currently valued at $0.04, reflecting a 300% increase from its initial presale price of $0.01. The total supply is capped at 4 billion tokens, with 45.5% (1.82 billion tokens) allocated to the presale.

This structure is built around gradual appreciation rather than sudden dilution. Each presale phase raises the price by nearly 20%, meaning buyers who enter earlier lock in a clear advantage over those who wait. With the next benchmark price of $0.06 associated with later stages, many investors see the current phase as a strategic entry point.

Before diving into the growth drivers that are fueling XRP (XRP)-era comparisons, it is important to understand Mutuum Finance (MUTM)'s foundation. The platform is built around a dual lending model, combining peer-to-contract (P2C) and peer-to-peer (P2P) lending.

This allows users to supply assets to liquidity pools to earn yield or lend directly to other users under predefined terms. Borrowers can access liquidity without selling their holdings, while lenders earn returns through structured demand. This practical utility forms the backbone of MUTM's value proposition.

Reason 1: Functional Infrastructure Is Being Built Before Hype

One reason XRP (XRP) gained early traction was that its technology existed before mass attention arrived. Mutuum Finance (MUTM) is following a similar path.
The project has already launched its V1 protocol on the Sepolia testnet, allowing users to interact with the lending and borrowing system in a live environment.

The testnet includes multi-asset liquidity pools, interest-bearing mtTokens, debt tokens for tracking loans, automated liquidation protection, and support for ETH, USDT, LINK, and WBTC.

For example, a user can deposit $4,000 in ETH and receive mtETH, which increases in value as interest accumulates. Another user holding $8,000 in LINK can use it as collateral to borrow $5,000 in stablecoins, unlocking liquidity without exiting their position. Each of these actions strengthens the ecosystem. mtTokens encourage long-term participation, debt tokens improve transparency, and the liquidation bot helps maintain balance.

This gradual exposure lowers risk for new users and builds familiarity ahead of a future mainnet launch. As more users understand how MUTM fits into daily DeFi activity, organic demand for the token is expected to rise. This is the type of quiet groundwork that often precedes broader market recognition.

Security also plays a role here. Mutuum Finance (MUTM) completed a Halborn audit in November 2025, where six issues were identified and fully resolved before completion. Halborn confirmed 100% remediation, reinforcing confidence in the protocol's smart contracts as the platform progresses.

Reason 2: Economic Design That Supports Sustainable Demand

Beyond infrastructure, Mutuum Finance (MUTM) is developing an internal economic engine that could drive lasting demand. One major component is its overcollateralized decentralized stablecoin, designed to maintain a value close to $1.

This stablecoin will only be minted when users borrow against collateral such as ETH and will be burned when loans are repaid or liquidated. Approved issuers will have controlled minting limits, keeping risk in check.

Interest rates for borrowing this stablecoin will be adjusted through governance to help maintain price stability. If the stablecoin trades above $1, rates may be lowered. If it dips below, rates may increase. Arbitrage opportunities will naturally help push the price back toward equilibrium. Because all loans are overcollateralized and subject to automatic liquidation, system stability is prioritized.

This stablecoin is expected to anchor Mutuum's P2C and P2P markets, creating recurring borrowing and lending activity while keeping liquidity inside the ecosystem. Since stablecoins are central to DeFi usage, a secure model like this could become a consistent driver of MUTM demand.

Price discovery is another important factor. Mutuum's design anticipates the use of Chainlink-style decentralized oracles, along with fallback oracles, aggregated feeds, and on-chain DEX metrics. Reliable pricing reduces false liquidations and manipulation risks.

When users trust valuations, they are more likely to open larger and longer-term positions. This leads to steady fee generation, treasury growth, and broader economic use cases tied to MUTM.

Together, these mechanisms create a cycle: reliable pricing builds trust, trust increases usage, usage generates fees, and fees support MUTM's role within the system.

Reason 3: Visibility and Liquidity Could Expand After Listings

Another reason XRP (XRP) broke out was access. Once listed widely, liquidity and visibility accelerated adoption. Mutuum Finance (MUTM)'s strong presale performance and real utility have led many to believe future Tier-1 or Tier-2 exchange listings are possible.

If listings occur, exposure would increase significantly. More traders would experience the platform's lending features directly. Higher liquidity could attract larger investors, increase participation, and strengthen trust. As demand grows, pricing pressure would naturally follow.

Some analysts have drawn bold comparisons. One market analyst, known for early calls on assets like ETH, has suggested that MUTM could see 5x growth within months after a major listing. For context, moving from a $0.06 reference price to a projected $0.30 would represent a 400% gain. This highlights how utility-driven tokens can reprice quickly once access expands.

On the security side, Mutuum Finance (MUTM) has also completed a CertiK audit. The review used manual analysis and static analysis, resulting in a Token Scan Score of 90.00 and a Skynet Score of 79.00. The audit process ran from February 25, 2025, and was revised on May 20, 2025.

To further strengthen safety, the project runs a 50,000 USDT bug bounty program. Rewards scale by severity: Critical issues up to $2,000, Major up to $1,000, Medium up to $500, and Low up to $200. This encourages continuous testing and community involvement in keeping the protocol secure.

XRP (XRP)'s breakout was not built overnight. It grew from utility, patience, and timing. Mutuum Finance (MUTM) shows similar early signals: structured presale growth, real DeFi functionality, strong security practices, and clear plans for expansion. For investors watching the next new crypto that could emerge after fear-driven market cycles fade, MUTM is increasingly being seen as a project worth serious attention.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

About Mutuum Finance

Mutuum Finance (MUTM) is an Ethereum-based, non-custodial decentralized finance (DeFi) protocol designed for lending and borrowing digital assets without intermediaries.

J. Weir
Contact@mutuum.com

This release was published on openPR.