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,
