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 2026.
One such contender is Mutuum Finance (MUTM), a decentralized lending protocol. With 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 cycle.
Ripple (XRP)
XRP remains a cornerstone of the crypto market. The token currently trades around $2.45, giving it a market capitalization of roughly $147 billion. As 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 years. Technical charts show resistance around $0.55–$0.60, levels that have repeatedly capped rallies. On the downside, support sits near $0.48–$0.50, suggesting that the token remains range-bound unless a major catalyst emerges.
Analysts believe XRP’s limited upside reflects its maturity. Once a high-growth project, it now behaves more like a “blue-chip” crypto, less likely to deliver exponential returns. With regulatory hurdles behind it but little innovation on the horizon, XRP’s trajectory looks more stable than explosive. This has led some investors to start searching for the next big crypto that could match XRP’s early momentum but with greater growth potential.
Mutuum 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 price. The project aims to build a decentralized lending and borrowing protocol on Ethereum — designed to make on-chain finance more efficient, transparent, and accessible.
Mutuum Finance design revolves around two core systems: pooled lending markets for major tokens like ETH and USDT, and customizable lending deals for niche assets. When users deposit assets into the protocol, they receive mtTokens, which accrue yield as borrowers repay loans. For example, a user who deposits
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Author: Crypto Daily
