Why Some Traders Believe This Crypto Has More Upside Than XRP (XRP)

Dubai, UAE, February 1, 2026

Some traders look for stability. Others look for upside. That difference is why a growing number of market participants are comparing established assets like XRP (XRP) with earlier-stage platforms such as Mutuum Finance (MUTM). XRP (XRP) is already well known, widely traded, and deeply priced into the market. Mutuum Finance (MUTM), by contrast, is still building, still expanding, and still priced at a level many see as an entry point rather than a peak. For traders focused on crypto investment opportunities with room to grow, this contrast matters.

XRP (XRP): Compared With Mutuum Finance (MUTM)

Mutuum Finance (MUTM) has a total supply of 4 billion tokens and has already generated around $20.25 million by combining all presale phases so far. The current presale price in phase 7 stands at $0.04, with over 19,000 holders already participating across all phases. About 12% of the 180 million tokens allocated to this phase have already been sold, showing steady demand rather than rushed speculation.

This is where traders begin to compare MUTM with XRP (XRP). Its market value reflects years of trading, large liquidity pools, and global awareness. While that brings stability, it also limits upside. A 2x or 3x move for a large-cap asset requires enormous capital inflows. For MUTM, smaller inflows can create much larger percentage gains because of its current valuation and presale structure.

Despite a bullish divergence on the weekly chart, XRP’s broader setup still leans bearish. The price has slipped below $1.90, nearly 25% under its 200-day average of $2.54, and remains capped by key moving averages, with the 50-day acting as resistance. Falling open interest, down from $3.5B to under $2B, also signals reduced speculative confidence and weaker short-term momentum.

To put this into perspective, consider a simple example. An early buyer who entered Mutuum Finance (MUTM) in phase 1 at $0.01 would already be sitting on a 4x gain at the current phase 7 price of $0.04. That equals a 300% increase before any public listing. When the token lists at the planned $0.06 price, that same early buyer would reach a 6x return, or 500% from phase 1. If post-listing price action pushes MUTM to even 2x the listing price, the total gain would move far beyond what most mature assets typically offer in the same timeframe.

Growth Engines That Could Drive Long-Term Demand

Another reason traders compare MUTM favorably to XRP (XRP) is utility design. XRP (XRP)’s value is largely tied to its role in payments and institutional adoption, which tends to grow gradually. Mutuum Finance (MUTM), on the other hand, is being built as an active lending and borrowing protocol where almost every user action will create demand for the MUTM token.

Mutuum introduces two lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, lenders will pool assets such as stablecoins and well-known cryptocurrencies like ETH and USDT into audited smart contracts. Borrowers will provide overcollateralized positions, and interest rates will adjust dynamically based on usage. As demand rises, rates rise, encouraging more deposits and balancing liquidity.

Depositors in this system will receive mtTokens, which represent their share of the pool plus earned interest. These mtTokens can later be used as collateral themselves, adding flexibility and keeping users active inside the ecosystem. Borrowers will be able to choose between variable and stable rates, depending on their risk preference. This structure is designed to keep capital efficient while maintaining solvency.

For higher-risk or less liquid assets, Mutuum will offer a separate P2P lending model. Tokens like DOGE, SHIB, or PEPE will be isolated from core pools. Lenders and borrowers will negotiate terms directly, setting rates and durations without shared liquidity risk. This expands earning options while protecting the main protocol.

Mutuum has already taken a major step by launching its V1 protocol on the Sepolia testnet. Users can now interact with live lending pools, mtTokens, debt tokens, and an automated liquidator bot. Assets such as ETH, USDT, LINK, and WBTC are supported. This allows users to see real utility before the mainnet launch, building trust and familiarity early.

Beyond lending, Mutuum introduces a buy-and-distribute model. A portion of platform revenue generated from borrowing fees will be used to buy MUTM tokens from the open market. These tokens will then be distributed to mtToken stakers as rewards. As platform usage grows, buy pressure is expected to increase, linking real activity directly to token demand. This model rewards active participants and supports long-term price momentum without relying on excessive emissions.

XRP (XRP) remains a respected and established asset, but its size naturally limits explosive upside. Mutuum Finance (MUTM) sits at the opposite end of the spectrum: early-stage, utility-driven, and still priced below its planned listing value. With a growing holder base, delivered milestones, audited smart contracts, and multiple demand engines built into the protocol, MUTM is why some traders believe this crypto could deliver stronger percentage gains than XRP (XRP). 

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance