XRP News Today: Mutuum Finance Outpaces SHIB XRP ADA with 12% APY and $0.040 Presale Price Hike

Investors are increasingly shifting focus to Mutuum Finance (MUTM), a DeFi protocol trading at $0.035, as a preferred alternative to Shiba Inu (SHIB), Ripple (XRP), and Cardano (ADA) in the under-$0.05 crypto space. The project’s presale, now in Phase 6, has raised $13.7 million with 14,500+ holders, drawing attention for its dual-lending models and audited smart contracts. Unlike meme coins or stalled Layer-1 networks, Mutuum’s utility-driven approach—combining Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending—offers tangible yield and active borrowing activity, addressing growing demand for revenue-generating crypto projects [1].

SHIB, XRP, and ADA face headwinds. Shiba Inu, reliant on community-driven hype and token burning, lacks sustainable utility, while its volatility and speculative nature deter long-term adoption. XRP, despite institutional ties, grapples with regulatory uncertainty and centralized ledger limitations, reducing appeal among DeFi enthusiasts. Cardano’s academic development pace has yet to translate into widespread adoption, with its market cap lagging behind competitors like Ethereum and Solana. Declining trading volumes and investor conservatism have further dimmed momentum for all three, pushing capital toward projects with clearer roadmaps and immediate utility [1].

Mutuum’s P2C model allows users to deposit stablecoins or blue-chip assets into smart contracts to earn interest, with projected 12% APY for $10,000 BNB deposits. mtTokens, which track user positions and grow in value, can be used as collateral or staked for additional MUTM rewards. The P2P component targets risk-tolerant lenders, enabling direct borrowing of meme coins with higher yield potential. Overcollateralization and algorithmic risk adjustments ensure systemic stability, while borrowers retain asset ownership during repayment [1].

Security remains a key selling point. The project received a 95.00 score in its CertiK audit and a 78.00 Skynet rating, supported by $50,000 in bug bounties across four severity tiers. A $100,000 giveaway, distributing $10,000 in MUTM to 10 winners, further incentivizes participation. Early adopters have already seen significant gains; one investor who moved $5,000 from XRP to MUTM during Phase 1 now holds $17,500 in value, with potential for a 6x return when the token reaches its listing price of $0.06 [1].

Phase 7, set to raise the presale price to $0.040, marks a critical inflection point. With 95% of the 170 million token allocation still available, the project’s rapid growth—driven by DeFi innovation, verified security, and governance-based utility—positions it as a serious contender. As the market waits for mid-2025 catalysts, Mutuum’s under-$0.05 entry point is closing quickly, urging investors to act before the price jumps 15% to $0.040 [1].

Sources: [1] “Best Crypto to Grab Under $0.05 This Summer? Investors Are Picking This One Over Shiba Inu (SHIB), Ripple (XRP) and Cardano (ADA)” (https://coinpedia.org/press-release/best-crypto-to-grab-under-this-summer-investors-are-picking-this/)