The cryptocurrency market has a long history of rewarding investors who identify functional projects before they hit mainstream exchanges. Looking back, XRP offered one such moment between 2017 and 2018. Starting near $0.005 in early 2017, it climbed to an all-time high of $3.84 by January 2018. That move represented a gain of over 76,700% for those who entered at the bottom and held through the rally.
Today, investors seeking the next big crypto are examining Mutuum Finance (MUTM), a DeFi protocol in its presale phase. With a live testnet, audited contracts, and multiple revenue-generating mechanisms, this DeFi crypto presents a setup that mirrors the early days of projects that later dominated the market.
XRP 2017: A Blueprint for Asymmetric Returns
In 2017, XRP traded as low as $0.00537 in February before beginning its historic ascent. By January 2018, it peaked at $3.84, delivering a 35,160% return for the year. Investors who placed $1,000 at the bottom saw that position grow to over $350,000 within 12 months. The catalyst was simple: a functional payment settlement network gaining traction with financial institutions. XRP offered real utility at a time when most cryptocurrencies were just ideas.
Today, Mutuum Finance follows a similar playbook. The V1 protocol is already live on Sepolia testnet, allowing users to test lending and borrowing with USDT, ETH, LINK, and WBTC. Staking, automated liquidations, and mtToken minting are all operational during the testnet. For investors asking what crypto to invest in, this level of pre-launch functionality often precedes major price discovery.
Mutuum Finance Presale: Last Chance at $0.04
Mutuum Finance raised over $20,600,000 from more than 19,020 holders since the presale began. Phase 7 is selling rapidly at $0.04, with over 850 million tokens already purchased from the 1.82 billion presale allocation. Once Phase 7 closes, Phase 8 opens at $0.045, almost 20% higher. The official launch will occur after the entire presale concludes, with MUTM listing at $0.06.
However, analysts project immediate post-launch movement toward $2.50 to $3.50 based on comparable DeFi valuations and the protocol’s revenue streams. A $1,000 purchase today at $0.04 would be worth $62,500 at $2.50, or $87,500 at $3.50. That is simple arithmetic applied to a fixed-supply token entering a market desperate for yield-generating assets.
Buyback-and-Distribute: Passive Income Mechanics
Unlike tokens that rely on buy-and-burn schemes to create artificial scarcity, Mutuum employs a buyback-and-distribute model that rewards long-term participants directly. A portion of protocol revenue, generated from fees, is used to purchase MUTM from the open market. These tokens are then distributed to users who stake mtTokens in the safety module.
Consider a user staking $6,000 in mtTokens. If protocol fees reach $3 million annually, that position could receive $600 in additional MUTM, assuming average distribution rates. This mechanism aligns incentives: platform usage drives revenue, revenue drives buybacks, and buybacks drive distributions. For holders, this transforms MUTM from a speculative token into a yield-bearing asset. In contrast, XRP never offered such passive income to its holders, relying solely on price appreciation driven by speculation and adoption news.
mtTokens and Stablecoin Integration
When users supply assets to Mutuum’s liquidity pools, they receive mtTokens, ERC-20 receipts that represent deposit positions and automatically accrue yield. A lender depositing $12,000 in USDC at 11% APY earns $1,320 in year one, with interest compounding through mtToken value appreciation. Meanwhile, the planned overcollateralized stablecoin allows users to mint stablecoins against deposited collateral.
A borrower depositing $18,000 in ETH at a 75% Loan-to-Value ratio can mint $13,500 in Mutuum Finance stablecoins, paying around 8% interest on the borrowed amount. ETH earns interest in Mutuum Finance’s lending pools, with some of this interest used to pay back the stablecoin loan.
Why MUTM Outperforms Legacy Projects
XRP delivered life-changing returns in 2017 because it offered functional infrastructure at a time when most projects offered only promises. Mutuum Finance offers the same today, but with additional layers: passive yield through distributions, dual lending markets (Peer-to-Contract and Peer-to-Peer), multi-chain compatibility, and a fixed supply of 4 billion tokens with no further minting.
The Halborn audit is complete, code is finalized, and the team is preparing mainnet timing. For investors evaluating what crypto to invest in, the comparison is clear. XRP required institutional adoption to move from $0.005 to $3.84. Mutuum requires only that its protocol users, lenders, borrowers, and stakers engage with a platform that already works. Phase 7 represents the final discount before Phase 8 pricing takes effect.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses.
