3 best cryptos to buy now for 28x, DeFi altcoin beats SOL and XRP

As the last quarter of 2025 begins, investors have one goal: to uncover the next 28x performer.

As traders move away from older titans like Solana (SOL) and XRP, analysts are keeping an eye on a new wave of DeFi ventures.

These experienced investors are increasingly interested in tokens that have real activity on the blockchain and early entry opportunities.

Mutuum Finance (MUTM) is getting a lot of attention right now.

The initiative is already providing people a taste of what’s to come because it has strong fundamentals and is working on lending mechanisms.

MUTM is the lucrative crypto to buy now because it has a mix of real-world application and low prices.

Solana (SOL) – scalability giant, slower growth

In a recent crypto crash, Solana’s price fell by 40%. This was because President Trump announced tariffs on Chinese imports, which drove a lot of people to sell their assets.

Solana (SOL) is still one of the fastest networks in the world. It runs thousands of NFT collections and apps.

But because it is mature, new growth is slow. SOL has already gotten to the point where huge jumps don’t happen very often.

In a robust bull market, analysts think returns will be only 2x to 3x.

This makes it steady, but it also means that early investors won’t be able to grow their money as much.

The excitement around new DeFi tokens like Mutuum Finance (MUTM) comes from their ability to grow from the ground up.

SOL stays a solid blockchain, but it no longer offers the asymmetric upside that comes from joining early projects with expanding ecosystems.

XRP – institutional focus, not retail ROI

XRP has rebounded to $2.49 after a 55% drop, but remains under pressure, trading below $2.77.

It fell 7% recently, nearing $2.40, with resistance at $2.55 and $2.60.

A recent ruling in the SEC case against Ripple found that some XRP sales were not securities violations, while others were classified as securities amid a $1.3 billion fundraising claim.

Ripple has teamed up with Absa Bank to offer digital asset custody in South Africa, boosting XRP accessibility and expanding its ecosystem with secure storage for tokenized assets.

XRP continues to serve banks and institutions as a bridge for global liquidity.

Its clear legal standing adds safety but limits explosive growth.

XRP’s focus on regulated finance means fewer surprises and slower community-driven expansion.

While many investors use it for security, those looking for faster returns are turning to new DeFi names.

Mutuum Finance (MUTM), with its staking and lending layers, speaks directly to that group of investors who want active yields and hands-on control of their assets.

Mutuum Finance (MUTM) – the DeFi challenger targeting 28x

Mutuum Finance (MUTM) is building a complete DeFi lending world. It will bring two styles together—Peer-to-Contract (P2C) and Peer-to-Peer (P2P).

P2C pools allow users to lend stablecoins such as USDT or USDC and earn interest that changes with pool use.

P2P loans will be direct between users, letting them choose their own terms and returns.

This model will open flexible options for both safe lenders and high-yield seekers.

The presale of Mutuum Finance (MUTM) is in Phase 6.

The token price is $0.035, and more than 68% of this round is already sold, with $17.5 million raised.

When Phase 7 starts, the price will rise by 15% to $0.040.

This makes Phase 6 the last discounted entry point before the next jump.

Early investors are already seeing strong paper gains.

An investor who joined during Phase 2 at $0.015 with $3,000 worth of SOL now holds $7,000 in value.

When MUTM reaches its projected post-listing price of $0.42, that same holding will be worth $84,000—a 28x return.

The project plans to launch the platform and token together, giving the market instant real-world utility on day one.

Mutuum Finance (MUTM) will use its platform-generated revenue to buy back tokens from the market and distribute them to mtToken stakers.

Users will stake mtTokens in special smart contracts and earn MUTM as rewards.

This buy-and-distribute model will keep demand strong while rewarding active participants.

Additional growth drivers for MUTM

Mutuum Finance (MUTM) will build its growth through its working system, not just trading buzz.

The P2C model lets a lender deposit $15,000 USDT, receive mtUSDT, and earn about 15% annual yield, which equals $2,250 in passive income.

The P2P model gives higher rewards for those who take more risk. 

All loans will stay overcollateralized and use a system called a Stability Factor to protect the protocol.

If collateral drops below safe levels, automatic liquidations will keep the balance.

Loan-to-value ratios will reach up to 75% for assets like ETH, while more volatile tokens will remain near 44%.

This approach, along with reserve factors and liquidation thresholds, will maintain healthy liquidity across both P2C and P2P sides.

These working mechanics are what make the 28x goal realistic.

As users will soon be able to stake mtTokens, borrow stablecoins, and earn MUTM through platform rewards, real usage will push demand higher. 

The team recently revealed on their official X account that the V1 version of the protocol will be gone live on the Sepolia Testnet by Q4 2025.

This version will introduce core features such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure stable and secure operations.

Initially, users will be able to lend, borrow, and use ETH or USDT as collateral with ease.

This early release gives users a first-hand look at how the platform works before its full launch.

Allowing users to test and interact with key features will help build trust and excitement around the project.

As more users get involved and confidence grows, demand for the platform is expected to rise — potentially driving the token’s value higher.

The closing push

Mutuum Finance (MUTM) combines a live community dashboard, transparent audits, and a strong earning system.

The project’s 68% Phase 6 sell-out shows investors are already moving fast.

With the price rising to $0.040 in the next phase, many see this as the final chance to buy before public launch.

The daily leaderboard rewards for top users add more excitement as people race to climb higher. 

A new update has been introduced to the 24-hour leaderboard feature.

Each day, the user who secures the top position will be rewarded with $500 in MUTM, provided they complete at least one transaction within that 24-hour period.

The leaderboard resets automatically at 00:00 UTC each day.

In a market driven by the crypto fear and greed index, Mutuum Finance (MUTM) stands out as the crypto to buy now for those aiming for real growth and not just speculation.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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