Best crypto to buy now that could outpace XRP? Analysts point to MUTM

When it comes to finding the best crypto to buy now, most investors look to strong fundamentals, clear roadmaps, and room for price discovery. XRP has long been considered a top-tier option with its utility in cross-border payments — but according to several market watchers, a lesser-known token called Mutuum Finance (MUTM) is now entering the spotlight. MUTM is still in presale, offering a low entry point, while XRP continues to trade within a tight range. With its protocol still in development and real yield mechanisms already mapped out, Mutuum is gathering momentum at a pace that has analysts rethinking which cryptocurrency to invest in for the next cycle. Mutuum Finance (MUTM) Unlike tokens relying solely on speculation, MUTM is tied to a working protocol — a decentralized finance system that allows users to lend and borrow digital assets through secure smart contracts. The platform is being built as non-custodial, meaning users stay in control of their funds, and it supports both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models. In the P2C setup, users deposit their crypto into liquidity pools, and borrowers tap into those pools by posting overcollateralized assets. Interest rates shift depending on how much liquidity is being used, creating an organic balance between lenders and borrowers. In contrast, the P2P model allows users to set their own terms, bypassing pooled risk and enabling direct agreements. This dual-model design not only provides flexibility but also helps the platform scale across different user needs and asset types — an approach that goes far beyond what XRP offers in its current scope. As of now, over $8.2 million has been raised during the presale, with more than 9,800 holders already participating. The fourth phase is more than 80% sold, and once it completes, the token price will jump from $0.025 to $0.03. With a $0.06 launch price already set, investors who get in now are guaranteed a 140% gain by listing alone — not including any post-launch growth. With 11 total presale stages, each round presents diminishing opportunity for early access pricing. This progressive pricing model is helping drive urgency and making MUTM a target for those seeking the next crypto to explode based on utility, not hype. What makes MUTM stand out even more is how it recycles protocol revenue. Part of the revenue earned through lending and borrowing activity is allocated to purchasing MUTM tokens from the open market. These tokens are later distributed to mtToken holders — tokens that represent a user’s deposit and accrue value over time. This mechanism creates a direct connection between platform activity and token value. As user participation increases, so does revenue — and that flow is returned to contributors. It’s a practical framework designed to support long-term growth while rewarding continued engagement, offering an edge over fixed-utility tokens. Mutuum is also developing a fully overcollateralized stablecoin, which will maintain a 1:1 peg with the US dollar through smart contract logic. This stablecoin will be minted when users deposit excess collateral, and its supply will shrink automatically as loans are repaid or closed. It’s a transparent, self-balancing system designed to offer stability without the need for centralized backing. The platform is being launched on an Ethereum Layer 2, providing faster and cheaper transactions — a necessary feature for scaling without burdening users with high gas fees. This technical choice further enhances user experience and accessibility, especially as DeFi adoption expands. Security remains a priority, with CertiK currently auditing Mutuum’s smart contracts to ensure platform integrity. A beta version of the platform is expected to go live at the time of launch, giving users immediate access to lending features and real-time protocol usage — not just speculative trading. This timeline puts MUTM ahead of many new crypto projects that launch with little more than a whitepaper. For investors interested in platforms with actual delivery plans, this is another reason why MUTM is increasingly being seen as one of the best cryptos to invest in today. While XRP continues to hold its ground in the top cryptocurrency rankings, its growth potential remains limited by regulatory battles and an already mature market position. MUTM, on the other hand, is still in its early stages — with a low entry price, protocol-backed value distribution, and ongoing product development. The current presale structure rewards early access, and the team’s clear path toward platform launch, stablecoin integration, and Layer 2 support adds further upside. For those asking which crypto to buy today for long-term growth, MUTM is shaping up as a strong contender — and possibly one that outperforms legacy tokens in the months ahead. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.finance/ Linktree: https://linktr.ee/mutuumfinance The post Best crypto to buy now that could outpace XRP? Analysts point to MUTM appeared first on Invezz

Source: Invezz