XRP’s battle with the SEC continues to drag on, keeping its price action choppy and its future unclear. As July heats up, on-chain data is beginning to reveal a powerful new trend: smart wallets are moving capital out of XRP and into a rising DeFi infrastructure token that’s gaining serious momentum. That token is Mutuum Finance (MUTM) — a protocol being designed from the ground up for real yield, collateralized lending, and long-term utility. With no regulatory overhang, strong technical underpinnings, and a well-paced presale, MUTM is quietly turning into this month’s breakout sleeper.Mutuum Finance (MUTM)The numbers speak for themselves. Mutuum Finance (MUTM) is currently in Phase 5 of its 11-phase presale, with 72% already sold, over 13,000 holders, and $12.15 million raised — all while priced at just $0.03. In the next phase, that price is set to increase by 20% to $0.035, bringing a clear sense of urgency for those watching from the sidelines. One wallet that rotated $15,000 out of XRP (XRP) during its recent rally and reallocated the funds into Mutuum Finance (MUTM) during Phase 1 did so when the token was priced at just $0.01 per token. This early move secured 1,500,000 MUTM tokens before most investors were even aware of the project. As the presale advanced to Phase 5, the token price increased to $0.03, tripling the original investment to a current paper value of $45,000—and that’s without any exchange listing or liquidity event yet.Looking ahead, the projected listing price of $0.06 suggests another 6X upside relative to the Phase 1 entry. If the token indeed reaches that level, the same allocation could be worth $90,000, transforming a single strategic rotation out of an aging asset tangled in regulatory uncertainty into a six-figure position in a next-generation DeFi protocol.A Presale Countdown and a Roadmap Built for DeliveryIn addition to the lending mechanics, Mutuum Finance (MUTM) will develop its own fully decentralized stablecoin, designed to hold a strict $1 peg through algorithmic rate controls, arbitrage incentives, and on-chain overcollateralization. This stablecoin will only be minted against locked collateral and will be burned when loans are repaid or liquidated. It will serve as both a reliable unit of account and a stabilizer for the protocol’s treasury and lending dynamics.With each presale phase, MUTM is becoming more scarce and more valuable. From Phase 1’s $0.01 to Phase 5’s $0.03, early supporters have already seen triple-digit gains — and the final listing at $0.06 leaves plenty of room for further upside. The roadmap is carefully structured into four major phases:Phase 1 introduced the presale and kicked off early campaigns. Phase 2 will focus on smart contract development, front-end architecture, and infrastructure setup. Phase 3 will include beta testing, bug reporting, and final preparations for listing. Phase 4 is where the live platform launch, token claim process, and regional compliance expansion will take place — alongside major features like institutional partnerships, blockchain expansion, and the Layer-2 rollout for faster, cheaper transactions.Mutuum Finance (MUTM)’s code has already passed through rigorous auditing processes, with a Token Scan Score of 95.00 and a CertiK Skynet Score of 77.50. To reinforce trust and attract white-hat security experts, the team has launched a $50,000 Bug Bounty Program in partnership with CertiK. Real Yield and Real Utility in One ProtocolMutuum Finance (MUTM) will be a non-custodial DeFi protocol designed to power a new era of lending and borrowing. What will separate it from traditional altcoins will be its dual-model structure, which will support both P2C (peer-to-contract) lending for blue-chip assets like ETH, MATIC, or BNB, and P2P (peer-to-peer) lending for high-volatility tokens such as DOGE, SHIB, and PEPE. This structure will open up real-world earning opportunities for both conservative and speculative crypto holders.On the P2C side, users will deposit assets like DAI or USDC into audited liquidity pools. These funds will be lent out against overcollateralized assets, and lenders will receive mtTokens, which will represent their deposits and automatically accrue interest. mtTokens will be ERC-20 compliant and will be stakeable in designated smart contracts to earn passive dividends from protocol revenue. These tokenized positions will reflect the user’s growing yield and offer full transparency on-chain.On the P2P side, Mutuum Finance (MUTM) will open a powerful new door for meme coin holders. Instead of letting those tokens sit idle, users will be able to use them as overcollateralized backing to borrow stablecoins, freeing up liquidity while maintaining upside exposure. For instance, someone holding 10 million PEPE will be able to borrow thousands in USDT or USDC — all while never having to sell their base token. Loans on Mutuum Finance (MUTM) will have no fixed maturity, allowing repayment at any time and full collateral recovery upon settlement.Smart money is leaving XRP and entering ecosystems that actually work. Mutuum Finance (MUTM) is building a DeFi engine that pays users for participation, supports real borrowing mechanics, and removes regulatory uncertainty through decentralization. With only 28% of tokens left in Phase 5 and a major price jump approaching, the decision is simple: buy at $0.03 now, or pay double at listing.For more information about Mutuum Finance (MUTM) visit the links below:Website: https://mutuum.com/Linktree: https://linktr.ee/mutuumfinanceThe post Top Crypto Alternative This July: Wallets Are Moving From XRP (XRP) to This 1300% Potential Sleeper appeared first on Blockonomi.