Remember XRP at $0.15? This New Crypto at $0.035 Is Showing a Similar Setup, Only 5% Phase Allocation Left

Crypto history has a way of repeating itself. Years ago, XRP traded around $0.15 before its strong breakout, catching most people off guard. Today, some analysts believe a similar early-stage setup is forming around Mutuum Finance (MUTM), a new DeFi altcoin priced at $0.035 with only 5% of its Phase 6 allocation left. The numbers show rising demand, and many traders watching crypto news today feel this moment may not last much longer. Something is shifting in the presale market, and Mutuum Finance is quickly becoming one of the top cryptocurrencies to watch.

Ripple (XRP)

XRP’s early surge remains one of the most memorable moments in crypto history. Before it became a multi-billion-dollar asset, XRP spent a long time under $0.20. At the $0.15 level, its market cap hovered far below what it would later reach when it climbed into the top three global cryptocurrency rankings.

Its early breakout came as adoption increased and more exchanges listed the asset. For many traders who held from the $0.15 zone, even a small position turned into a major win once XRP crossed the $1 mark. Analysts often reference this period as a reminder that early price zones can offer rare risk-to-reward setups, especially when a project has strong utility and real user demand. Market commentators suggest that this is why many XRP early adopters are now watching new presale altcoins more closely, hoping to catch the next major run.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) has already raised $19.1 million, drawing in 18,300 holders and selling more than 810 million tokens. Out of the 4 billion total supply, 1.82 billion tokens were allocated to the presale. Phase 6 is now almost sold out, with only 5% allocation left, which signals rising demand.

Mutuum Finance is building a decentralized lending protocol with two connected markets. One is a pooled liquidity system where users supply ETH or USDT and receive mtTokens. These mtTokens rise in value as borrowers repay interest, giving suppliers real yield. The second market is peer-to-peer lending where borrowers can select flexible rates tied to liquidity conditions. When liquidity is high, borrow rates stay lower. When liquidity tightens, rates rise to attract more deposits.

Security is another reason the presale has grown so quickly. Mutuum Finance completed a CertiK audit with a 90/100 Token Scan score, and Halborn Security is also reviewing the core smart contracts. Along with that, the project launched a $50K bug bounty focused on code vulnerabilities. Together, these steps help new users feel more confident entering the ecosystem. Mutuum Finance has also been active with its community. The 24-hour leaderboard rewards the top daily contributor with $500 in MUTM, which helps strengthen daily transaction activity.

XRP vs MUTM: Why Investors Are Comparing the Two

Some analysts believe the comparison between XRP at $0.15 and MUTM at $0.035 is not random. XRP succeeded because it offered utility at a time when many tokens did not. Even today, XRP acts mostly as a payments-focused cryptocurrency, but it carries important limitations.

XRP’s supply is already fully distributed. It does not have a built-in buyback system. It is not built around on-chain lending markets. And it does not generate yield for users who supply liquidity or borrow funds. Many view XRP now as a mature asset with limited room for rapid growth.

By contrast, Mutuum Finance is at a stage where growth potential is much higher. The token is still early. The presale price remains low. And the protocol introduces mechanics that create natural demand over time.

One example is the buy-and-distribute model. A share of platform revenue will be used to purchase MUTM on the open market, and those purchased tokens will be redistributed to users who stake mtTokens in the safety module. This creates steady buy pressure, something XRP never had.

Another difference is that Mutuum Finance plans real on-chain activity from day one. Borrowing, lending, mtToken yield, and liquidation systems are built directly into the protocol. These features help position Mutuum Finance as a potential best cryptocurrency to invest in for users who want exposure to real utility, not just speculation on price movement.

Many XRP holders who made strong gains years ago are now rotating into new altcoins with more upside. Early investor sentiment indicates that MUTM is becoming a top option for users who want to catch the next strong growth cycle.

V1 Launch Momentum and Phase 6 Selling Out

Mutuum Finance confirmed on its official X account that its V1 testnet is set for Q4 2025 on the Sepolia network. This first version includes the liquidity pool, mtTokens, the debt-token system, and the liquidator bot. ETH and USDT will be the first supported assets for lending, borrowing, and collateral.

Traders watching crypto prices today are looking for real products, not promises. With a working testnet arriving before mainnet, analysts believe this increases the chances of early exchange listings. Some analysts believe that if the beta launches at the same time the token goes live, the visibility spike could send MUTM well above its $0.06 launch price.

Many market commentators suggest that in a bullish scenario, MUTM could climb several hundred percent in its first major run, especially because Phase 1 buyers entered at $0.01. This means Phase 1 participants are positioned for potential triple-digit growth even before factoring in post-launch movement. Phase 6 is now at 95% allocation, and once the remaining 5% sells out, the price will move to the next stage. As the presale price continues to rise and more holders join, urgency is growing.

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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