XRP set for $4, but analysts say MUTM has the clearer 40x potential

Ripple (XRP) is once again in the spotlight as analysts project a path toward $4, a level not seen since its early surge during the last major cycle.

But while XRP captures headlines, many investors are shifting their attention to a lesser-known contender, Mutuum Finance (MUTM).

Currently priced at just $0.035, MUTM is being described by experts as having a stronger setup for exponential growth, with predictions pointing to a 40x climb once its ecosystem reaches full scale.

Ripple (XRP)

Ripple (XRP) stands out as a cryptocurrency that has consistently maintained relevance and resilience throughout the last decade.

Currently trading near $3, it sits firmly within the top 10 cryptocurrencies by market capitalization. Its early surge back in 2017–2018, followed by another explosive rally in 2021, turned it into one of the most recognized names in the sector.

Despite regulatory battles in recent years, XRP has maintained both adoption and liquidity, and analysts now expect a breakout toward the $4 mark in the next bullish cycle.

However, given its already large market size, the upside is more moderate compared to smaller-cap tokens preparing to enter the market.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is currently in Phase 6 of its presale at $0.035; it has raised $14.75 million from over 15,550 holders.

With a confirmed launch price of $0.06, it is stepping into DeFi with a utility-first model. Built as a decentralized, non-custodial liquidity protocol, it offers two forms of participation: 

1. Peer-to-Contract (P2C): In this model, users deposit major assets such as ETH, USDT, BNB, or MATIC into shared liquidity pools. These pools act as the backbone of Mutuum Finance, allowing borrowers to access liquidity while lenders earn interest that adjusts automatically based on utilization rates. The more borrowers tap into liquidity, the greater the yield distributed to lenders. For example, someone depositing 10 ETH would receive mtETH tokens in return. Over time, the redemption value of those mtETH grows, meaning when they redeem, they get back more ETH than they originally deposited. This makes P2C an attractive passive income option for those who prefer stability with mainstream assets.

1. Peer-to-Peer (P2P): The P2P market opens lending and borrowing for more volatile community-driven tokens like DOGE, SHIB, or PEPE. Instead of relying on shared pools, direct agreements are formed between lenders and borrowers. This allows participants to negotiate terms such as collateral ratio, interest rate, and repayment flexibility, making it a more customizable lending experience.

For example, a lender could agree to provide 1,000,000 SHIB as a loan, secured against a borrower’s ETH collateral.

Since these agreements don’t tap into the main liquidity pools, the integrity of stable assets remains protected, while users gain exposure to meme tokens in a controlled and secure way.

All deposits are tokenized into mtTokens, which accrue interest in real time. These tokens can be traded, used as collateral, or staked for MUTM rewards, providing multiple income streams for participants.

From presale to launch

At the current presale rate of $0.035, a $950 allocation secures close to 27,100 MUTM tokens.

Once the token lists at its confirmed price of $0.06, that same position would already be worth around $1,620.

Analysts, however, are focused on the long-term trajectory. With price targets placing MUTM near $1 in its first market cycle, a $950 entry today could expand to more than $27,000.

That’s an impressive 28x return, positioning MUTM as a stronger growth play compared to established cryptocurrencies such as XRP, which are forecast to deliver smaller percentage gains.

Passive income built in

Beyond simple price appreciation, MUTM also provides a passive income layer.

A fraction of protocol fees from lending activity is used to buy MUTM from the open market and redistribute it to mtToken stakers.

This mechanism not only rewards active participants but also introduces constant buy pressure, strengthening long-term demand.

For example, someone supplying $20,000 worth of assets will receive mtTokens in return and earn between 15% APY, depending on lending activity. This translates to $3,000 annually.

Whale activity and community growth

Large investors are already taking notice. In just the last 72 hours, whale wallets added more than $325,000 worth of MUTM allocations during the presale.

Such inflows are often viewed as signals of confidence in the project’s tokenomics and growth potential, and smaller investors are beginning to follow their lead.

Adding to this momentum, Mutuum Finance recently announced a $100,000 community giveaway, designed to reward early supporters and expand adoption ahead of its exchange debut.

While XRP is projected to retest the $4 range, most analysts agree that its market cap makes it less likely to deliver outsized gains.

In contrast, Mutuum Finance is entering the market with a well-defined utility and built-in mechanisms to reward participants.

That combination, according to experts, creates a clearer runway for 40x growth potential within its first cycle.

The DeFi token to watch

Ripple (XRP) remains a staple in the crypto market and is poised for another surge.

But for traders looking for transformative returns, Mutuum Finance (MUTM) offers a stronger setup.

With whale accumulation, passive income opportunities, and a presale price still under $0.04, it is being positioned as one of the most promising cryptocurrencies heading into 2026.

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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