The Next Utility Crypto That Could Outperform XRP by 2026

XRP has long been one of the most recognized names in the crypto industry, known for its focus on cross-border payments and network stability. Yet, as the market evolves, newer utility-driven projects are starting to capture investor attention and some analysts now believe one of them could even outperform XRP by ￰2￱ such contender is Mutuum Finance (MUTM) , a decentralized lending ￰3￱ its audited code, expanding investor base, and roadmap leading to a live product by Q4 2025, Mutuum Finance is being called one of the best cryptocurrencies to watch before the next bull ￰4￱ (XRP) XRP remains a cornerstone of the crypto ￰5￱ token currently trades around $2.45, giving it a market capitalization of roughly $147 ￰6￱ the native asset of the XRP Ledger, it is designed to facilitate fast, low-cost international transactions — a utility that helped it maintain relevance even during volatile market cycles.

However, despite its established position, XRP’s price performance has been subdued in recent ￰7￱ charts show resistance around $0.55–$0.60, levels that have repeatedly capped ￰8￱ the downside, support sits near $0.48–$0.50, suggesting that the token remains range-bound unless a major catalyst ￰9￱ believe XRP’s limited upside reflects its ￰10￱ a high-growth project, it now behaves more like a “blue-chip” crypto, less likely to deliver exponential ￰11￱ regulatory hurdles behind it but little innovation on the horizon, XRP’s trajectory looks more stable than ￰12￱ has led some investors to start searching for the next big crypto that could match XRP’s early momentum but with greater growth ￰13￱ Finance (MUTM) Mutuum Finance (MUTM) is an emerging DeFi crypto that’s quickly becoming a focal point for investors seeking practical utility at an early entry ￰14￱ project aims to build a decentralized lending and borrowing protocol on Ethereum — designed to make on-chain finance more efficient, transparent, and ￰15￱ Finance design revolves around two core systems: pooled lending markets for major tokens like ETH and USDT, and customizable lending deals for niche ￰16￱ users deposit assets into the protocol, they receive mtTokens, which accrue yield as borrowers repay ￰17￱ example, a user who deposits $2,000 worth of ETH into the lending pool could earn around 9–11% APY, translating to roughly $180–$220 in yearly passive ￰18￱ exact return depends on borrowing activity and overall liquidity within the ￰19￱ project’s presale has already proven highly ￰20￱ date, Mutuum Finance has raised more than $17.8 million from over 17,400 holders, with 770 million tokens sold out of the total 4 billion ￰21￱ current Phase 6 price sits at $0.035, and it’s already over 72% ￰22￱ this stage sells out, the price will increase by nearly 20%, moving closer to the official launch price of $0.06.

From its Phase 1 price of $0.01, MUTM has already surged nearly 3x, making it one of 2025’s strongest-performing presale ￰23￱ Finance’s credibility is reinforced by its focus on ￰24￱ project recently passed a CertiK audit with a 90/100 Token Scan score, confirming that its smart contracts have undergone extensive ￰25￱ also runs a $50,000 bug-bounty program, rewarding developers who help identify potential vulnerabilities before mainnet deployment — a level of transparency rarely seen in early-stage DeFi projects. A Contrast in Growth Potential While XRP continues to hold value as a payments solution, its future growth potential looks ￰26￱ predict XRP could see 1.5x gains by 2026 under optimistic conditions, possibly reaching around $3.50 if adoption improves.

However, with its large market cap and established user base, achieving massive percentage returns is increasingly ￰27￱ contrast, Mutuum Finance (MUTM) represents an early-stage opportunity still in its growth ￰28￱ a presale price of $0.035 and a launch target of $0.06, investors are entering before the project’s ecosystem even goes ￰29￱ long as Mutuum Finance’s roadmap continues as planned — with its testnet, stablecoin, and Layer-2 upgrades launching on schedule, analysts predict the token could trade between $0.30 and $0.40 by 2026, translating to roughly a 7x to 10x increase from its current presale ￰30￱ put that into perspective, a $2,000 investment in XRP might grow to around $3000.

In comparison, the same $2,000 placed into MUTM at presale could reach $14,000–$20,000, should the project achieve its predicted range after ￰31￱ course, early-stage tokens carry greater volatility, but the potential upside is exponentially ￰32￱ argue that this asymmetric opportunity, limited downside, significant upside, is what makes MUTM stand out among new utility-based cryptos. V1 Launch and Phase 6 Momentum Mutuum Finance’s roadmap continues to advance ahead of ￰33￱ team has confirmed that V1 of its protocol will launch on the Sepolia Testnet in Q4 2025, featuring the Liquidity Pool, mtToken, Debt Token, and Liquidator ￰34￱ supported assets will include ETH and USDT, chosen for their stability and ￰35￱ release marks the transition from concept to functioning product — a milestone that historically drives investor confidence and price ￰36￱ the same time, the project’s Phase 6 presale is nearing full ￰37￱ more than 70% of this phase already sold, demand continues to accelerate as investors move to secure tokens before the next price increase.

A unique 24-hour leaderboard tracks live presale activity, rewarding the top daily contributor with $500 worth of MUTM ￰38￱ transparent system keeps the community engaged while showcasing ongoing inflows — both from retail investors and larger whales who have made several six-figure contributions in recent ￰39￱ Outlook XRP’s growth ceiling appears limited in the coming ￰40￱ contrast, Mutuum Finance (MUTM) offers a fresh entry point into a utility-focused DeFi ecosystem that’s still in its early ￰41￱ $17.8 million raised, over 17,400 holders, and an audited token, Mutuum Finance is rapidly establishing itself as one of the top cryptocurrencies to watch in ￰42￱ the presale nears completion and the Q4 2025 testnet launch approaches, analysts see a potential clear path for MUTM to outperform larger-cap assets like XRP, possibly by a wide ￰43￱ more information about Mutuum Finance (MUTM) visit the links below: Website: ￰0￱ Linktree: ￰1￱ Disclaimer: This is a sponsored press release and is for informational purposes ￰44￱ does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.