Forget XRP — this new DeFi protocol is the best crypto to buy under $0.05 right now

Ripple (XRP) has long been a headline fixture in crypto conversations, but its recent stagnation following the SEC lawsuit resolution has caused many investors to reevaluate their portfolio choices. With XRP no longer delivering the same returns or momentum it once did, attention has begun to shift toward emerging protocols that are actively building products and expanding access to decentralized finance. One of the standout names rising quickly in this segment is Mutuum Finance (MUTM) —a DeFi protocol still in presale, but already raising eyebrows for all the right reasons. With a token price of just $0.03 and over $10.8 million already raised in its Phase 5 presale, Mutuum Finance (MUTM) has demonstrated strong early traction. Over 12,200 holders have joined the movement, attracted by the project’s dual lending model, non-custodial liquidity pools, and a decentralized infrastructure built to serve both retail and advanced crypto users. Unlike XRP, which depends heavily on centralized partnerships and regulatory clarity, Mutuum Finance (MUTM) is executing a decentralized roadmap that aligns directly with the needs of today’s crypto-native investor. Dual lending model, real yields, and full transparency What sets Mutuum Finance (MUTM) apart is its dual-layered approach to lending. Through its Peer-to-Contract (P2C) model, users will be able to deposit digital assets—such as USDT, ETH, SOL, or BTC—into smart contract-based liquidity pools and earn interest that adjusts automatically based on real-time market conditions. The higher the demand from borrowers, the higher the return for depositors. This market-driven design offers a direct incentive for users to supply liquidity to the system. In contrast to many idle staking protocols, returns on Mutuum Finance (MUTM) come from real borrower activity. When users contribute assets to the pool, they receive mtTokens—liquidity-backed representations of their deposit that also accrue interest. These mtTokens can be staked to earn passive dividends, traded on secondary markets, or even reused within the platform as collateral. For example, a user depositing DAI into the protocol would receive mtDAI at a 1:1 ratio, with interest accumulating over time. The Peer-to-Peer (P2P) model introduces an entirely different level of control. Users will be able to lend directly to others with customizable terms, enabling exposure to less commonly supported tokens like Pepe (PEPE), Shiba Inu (SHIB), or Dogecoin (DOGE). This model provides high-yield opportunities for users who prefer personalized agreements, as opposed to pool-based lending. Mutuum Finance (MUTM) is also preparing to launch a decentralized, overcollateralized stablecoin that is designed to maintain a $1 peg. The stablecoin will be minted when borrowing occurs against approved on-chain collateral and will be burned automatically upon repayment or liquidation. Interest rates for borrowing will be governed by protocol decisions rather than set by market supply and demand. This mechanism is intended to support price stability while integrating with Mutuum’s broader lending infrastructure. Every part of the system is designed to reward participation and sustain long-term usability. Deposits are stored in smart contracts—fully non-custodial and permissionless. The platform is being developed with Layer-2 integration for faster transactions and lower gas costs, tackling one of DeFi’s most persistent pain points. MUTM token utility and passive income potential The utility of the MUTM token is deeply integrated into the protocol’s core operations. With a total supply of 4 billion tokens and a planned listing price of $0.06, early presale participants are buying in at just $0.03. Mutuum Finance (MUTM) is currently in Phase 5 of its presale and has already generated over $10.8 million. The upcoming phases and the beta platform launch are expected to align with the token’s listing. According to the roadmap, the team has already achieved multiple milestones from Phase 1, including smart contract auditing by CertiK (Token Scan Score: 80), launching an AI-powered helpdesk, and listing on tracking platforms. The protocol also includes a unique buyback-and-redistribute model. Revenue generated through borrowing activity will be used in part to repurchase MUTM tokens on the open market. These tokens will be distributed to users who stake mtTokens in the designated contract, turning passive participation into a direct stream of returns. This redistribution loop adds value for long-term stakers while reinforcing token demand. For investors focused on returns, the math is compelling. At $0.03 per token, a $1,000 investment in Mutuum Finance (MUTM) will yield approximately 33,333 tokens. If the token reaches 25x—realistic for a protocol with real utility and market momentum—that investment will grow to $25,000. Unlike projects built on hype, MUTM’s growth is fueled by adoption and protocol usage, not speculative narratives. A new cycle begins: why MUTM leads where XRP lags Ripple (XRP) once stood at the center of institutional crypto adoption, but years of regulatory battles and limited platform evolution have slowed its momentum. The project’s core use case—cross-border payments—is now being challenged by decentralized alternatives with broader applications and more transparent governance. Investors are beginning to question whether XRP’s best days are behind it. By contrast, Mutuum Finance (MUTM) is being built for today’s DeFi outlook and tomorrow’s multi-chain economy. From decentralized stablecoin issuance to dynamic lending pools and customizable P2P agreements, every feature is designed with user participation and sustainability in mind. The platform’s audited infrastructure and ongoing $100K giveaway further demonstrate its readiness to engage a wide user base. As the presale continues to gather traction and the roadmap moves toward its beta launch, Mutuum Finance (MUTM) is establishing itself as more than just a presale token. It is emerging as a real protocol with functioning mechanics, product rollout in progress, and multiple layers of utility for users, lenders, and holders alike. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Forget XRP — this new DeFi protocol is the best crypto to buy under $0.05 right now appeared first on Invezz

Source: Invezz