Which crypto to buy? Analysts predict this altcoin can outpace XRP in growth

For years, XRP has been viewed as one of the most recognized altcoins in the market, celebrated for its role in payments and its regulatory battles.

However, analysts are now pointing at Mutuum Finance (MUTM) as the altcoin that has the right mix of timing, utility, and community traction to deliver faster percentage growth than XRP over the next cycle.

On crypto charts, XRP continues to reflect a stable but mature asset, while MUTM is emerging at the exact moment where presale discounts, real lending mechanics, and a product-ready beta intersect.

That combination is rare in crypto investing and explains why interest is building around this new project.

Stablecoin innovation and staking utility

One of the biggest reasons analysts expect stronger growth from Mutuum Finance (MUTM) is its upcoming decentralized stablecoin, designed to always stay near $1 in value.

Unlike speculative tokens, this stablecoin will only be minted when borrowers post collateral such as ETH, and it will be burned automatically when those loans are repaid or liquidated.

Governance will adjust the borrowing interest rate to help keep the price balanced at $1, while arbitrage and overcollateralization secure the ecosystem.

In an industry where investors constantly ask why crypto is going up and how to manage downside risk during a crypto crash, this type of design introduces lasting confidence.

Beyond the stablecoin, Mutuum Finance (MUTM) gives depositors mtTokens when they supply assets into liquidity pools. These mtTokens not only grow in value with accrued interest but can also be staked in special contracts to earn additional MUTM rewards.

What makes this staking feature unique is that the rewards come from MUTM bought directly from the open market with platform revenue, ensuring constant buy-side pressure.

Investors are also paying attention to the P2C and P2P lending mechanics already designed for the protocol.

For example, a P2C lender supplying $42,000 worth of BTC to the pool with utilization rates supporting an 11% APY generates $4,620 in projected annual passive income, with mtTokens staked for extra MUTM.

On the borrowing side, collateralizing $18,000 in MATIC at a 68% LTV enables a loan of $12,240 USDD, with no fixed repayment schedule and full exposure to MATIC’s market growth.

Meanwhile, the P2P model allows for custom rates and terms; a lender offering $35,000 USDT at 22% APY for 60 days against $55,000 in TRUMP collateral secures a higher yield, with isolated risk and partial fill flexibility.

These mechanics are precisely the kind of narratives that excite investors scanning crypto prices today.

Presale momentum and the road ahead

At the core of the excitement around Mutuum Finance (MUTM) is its presale, currently in Phase 6 at $0.035 per token. Over $14.60 million has already been raised, with more than 15,300 holders onboarded and 20% of this phase supply sold.

Once it closes, the price moves up 15% to $0.040. For investors familiar with crypto investing, that near-term step is a clear FOMO trigger before broader attention intensifies.

With a total token supply of 4 billion, the presale is drawing significant interest not only for its pricing but also because of the transparency and security behind it.

CertiK’s audit gives the token a Token Scan score of 95 and a Skynet score of 78, while the project has also rolled out a $50,000 bug bounty program with tiered rewards and a $100,000 giveaway for early community members.

What separates Mutuum Finance (MUTM) from older altcoins like XRP is its roadmap execution. From core smart contracts, back-end development, and risk parameters in Phase 2, to testnet demos, audits, and exchange preparations in Phase 3, and finally multi-chain expansion and institutional integrations in Phase 4, the path is designed for rapid scaling.

Unlike XRP, which has settled into long-term narratives, MUTM is at the beginning of its growth arc. The beta launch is scheduled to go live at the same time as the listing, with expected Tier-1 exchange exposure on platforms like Binance and KuCoin.

That timing means fresh utility meets instant liquidity—an alignment XRP no longer benefits from.

Conclusion

For investors looking at crypto charts and asking why crypto is going up in certain sectors, one clear reason is early positioning.

Consider an investor who rotated $12,000 out of XRP during Phase 2 of the presale when MUTM was priced at $0.015. Today at $0.035, that stake has already grown into $28,000, a 133% increase.

At the confirmed listing price of $0.06, that same stake will reach $48,000. With presale completion, beta activation, and major listings, analysts are projecting values between $0.20 and $0.28 within the first 6–12 months—outpacing XRP’s expected growth rates significantly.

Mutuum Finance (MUTM) is now sitting at a presale pricing gate, with the next step at $0.040 already locked in. For those tracking crypto prices today and watching for the next breakout story, the window is clear: while XRP is respected, it is Mutuum Finance (MUTM) that is positioned to deliver the sharper upside that investors crave in the next market cycle.

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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