Best bet before August: This DeFi innovator could overtake XRP (XRP)’s returns

As XRP continues to face regulatory delays and limited ecosystem expansion, a growing number of crypto investors are pivoting to utility-first DeFi platforms. One name quietly building momentum is Mutuum Finance (MUTM), a decentralized lending protocol that’s redefining how users earn, borrow, and stake within a fully non-custodial system. Now priced at just $0.03 in Phase 5 of its presale, MUTM is turning heads with its dual lending models, compounding mtToken design, and transparent tokenomics built for long-term growth.