The post Best Crypto to Buy Now? XRP Momentum Slows While This $0.035 DeFi Crypto Nears 100% Allocation appeared first on Coinpedia Fintech News

Crypto markets often reveal their next move when leaders pause. Assets that once drove the cycle can enter long periods of slow growth. During these phases, investors begin to search for earlier-stage opportunities with clearer upside. That shift is starting to show again. As one major cryptocurrency loses speed, attention is turning toward a smaller DeFi crypto that is approaching a key supply milestone.

Ripple (XRP) 

Ripple remains one of the largest cryptocurrencies by market cap. Its early surge turned XRP into a top market asset and delivered strong gains for early holders. That growth phase was driven by adoption stories, exchange listings, and strong market cycles.

Today, XRP is in a very different position. Its large market cap means that future price moves require far more capital than in its early years. Market commentators often point out that when assets reach this size, upside becomes slower and more measured. Some bearish outlooks suggest XRP may struggle to deliver strong multiple growth in the near term compared to smaller tokens that are earlier in their lifecycle.

This does not remove XRP’s relevance, but it does change how investors think about opportunity. Many now ask whether the next growth story may come from a new cryptocurrency rather than an established one.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is an Ethereum based DeFi crypto focused on lending and borrowing. The protocol is designed to allow users to supply assets, earn yield, and borrow against collateral under clear rules.

The project is still in its distribution phase, with the token currently priced at $0.035. The presale began in early 2025 and has progressed through multiple stages, each with a higher fixed price. Mutuum Finance has raised around $19.4M so far and expanded to more than 18,600 holders, showing broad participation rather than narrow interest.

What separates Mutuum Finance from many new crypto projects is that it is not built around hype. It is structured around lending markets, interest generation, and long term usage. According to official updates, V1 of the protocol is planned for launch on the Sepolia testnet in Q4 2025.

Why MUTM Could Follow Early XRP Steps

The comparison between XRP and MUTM is not about size. It is about timing and structure. Early XRP growth happened when the project was still building adoption and before it reached a large market cap. Many analysts see similar conditions forming around Mutuum Finance today.

First, MUTM is still early in its lifecycle. Like XRP in its early days, it has not yet reached full exposure. Price discovery is still forming, which allows for larger percentage moves as demand grows.

Second, MUTM is tied to utility rather than narrative alone. XRP benefited early from a strong use case story that drove attention. Mutuum Finance is building a lending protocol where usage creates value. mtTokens grow through interest payments, and borrowing demand supports the system. This link between activity and value is what many believe creates sustainable growth.

Third, timing plays a key role. Mutuum Finance is approaching its V1 launch, which is often when investor perception shifts. XRP saw strong growth as it moved from concept into wider awareness. Market commentators suggest MUTM is entering a similar transition, where expectations begin to focus on execution rather than ideas.

Supply Tightening and Rising Participation

Phase 6 of MUTM distribution is now almost fully allocated. Less than 1% remains at the current price level. This matters because supply tightening often changes investor behavior. As availability shrinks, buyers tend to act faster, especially when key milestones are near.

Engagement has also increased through the 24 hour leaderboard, which rewards top contributors with MUTM. This system encourages steady participation rather than one time activity. Card payments have further reduced friction, making access easier for new participants.

Security is another factor drawing attention. Mutuum Finance holds a CertiK token scan score of 90 out of 100. In addition, Halborn Security is conducting a full audit of the lending and borrowing contracts. A $50k bug bounty is active to identify potential issues before V1 goes live.

Why the Window Is Narrowing

As Phase 6 approaches full allocation, the opportunity to enter at $0.035 is closing. Whale allocations have already appeared, signaling interest from larger participants. Once the next phase begins, the token price is set to move higher, reflecting the staged pricing model.

History shows that early growth stories often attract attention quickly once supply tightens and execution begins. XRP followed that path years ago. Many believe Mutuum Finance is now approaching a similar moment, where structure, timing, and demand align. For those asking which crypto to buy or what is the best cryptocurrency to invest in before broader exposure, MUTM is increasingly part of that conversation.

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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Filed under: Bitcoin - @ December 23, 2025 1:17 pm