The post Best Crypto to Buy Now as Ripple (XRP) Stall Under $3, This New Altcoin Nears Phase 6 Completion appeared first on Coinpedia Fintech News

Markets often give signals through silence. When a major cryptocurrency struggles to break a key level, attention slowly shifts elsewhere. That is happening now as Ripple trades below an important price zone and momentum cools. In these periods, investors usually begin asking what crypto to buy now, especially when they want exposure beyond mature assets. As XRP stalls, focus is turning toward a newer DeFi crypto that is still early in its growth cycle and moving through a critical phase.

Ripple (XRP)

Ripple (XRP) remains one of the largest cryptocurrencies by market cap. Its early surge was driven by strong narratives around payments, institutional use, and wide exchange access. Early XRP holders benefited as the token climbed quickly and secured a top position in the market.

Today, XRP’s situation looks different. With a large market cap, price movement requires significant capital. The token has struggled to hold moves above the $3 level, which has acted as a resistance zone. Breakout attempts often fade, and follow-through has been limited. In practical terms, this makes aggressive upside harder to achieve.

Because of this, several outlooks now frame XRP’s near-term potential as modest rather than explosive. This does not remove XRP’s role as a long-standing asset. It simply highlights that its strongest growth phase is likely behind it. When this happens, investors often start rotating toward assets that resemble XRP’s early setup, not its current position.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a new cryptocurrency building a decentralized lending and borrowing protocol focused on real usage. Unlike mature tokens, MUTM is still early in its lifecycle, which is why it is increasingly discussed in conversations about the best cryptocurrency to invest in today.

At a high level, Mutuum Finance allows users to supply assets and earn yield generated from actual borrowing demand. Borrowers access liquidity by posting collateral under predefined rules. Interest rates adjust with utilization, and risk is managed through clear parameters. Yield comes from activity, not from token inflation.

Participation has grown steadily. Mutuum Finance has raised $19.30M and attracted more than 18,400 holders so far. The token is currently priced at $0.035 and sits in Phase 6, which is now over 98% allocated. This places MUTM in a late stage of early distribution, where supply is tightening and attention often increases.

Why Some See MUTM Following Early XRP Patterns

The comparison between XRP’s early phase and MUTM today comes from structure and timing rather than branding.

First, the lifecycle position plays a major role. XRP delivered its strongest gains when it was still small and widely underestimated. At that stage, incremental demand had a large impact on price. MUTM is in a similar position now. Its price remains under $0.04, and adoption is still forming. Smaller scale means the token can react more strongly to growth in participation.

Second, MUTM is built around utility, which mirrors why XRP initially gained attention. Early XRP adoption was driven by a clear use case. MUTM’s use case is lending. When users supply assets, they receive mtTokens that increase in redeemable value as borrowers repay interest. This ties holding behaviour to protocol usage.

There is also a buy-and-distribute mechanism. A portion of protocol fees will be used to buy MUTM from the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This creates ongoing demand linked to activity, rather than one-time interest.

Third, timing matters. According to the official X statement, V1 will launch on the Sepolia Testnet in Q4 2025. This is the stage where many protocols move from concept to interaction. For those who followed XRP early, this moment often marks the start of broader visibility and stronger price discovery.

Phase 6 Momentum and Security Preparation

Phase 6 is now nearing full completion. As availability tightens, behavior usually changes. Late-stage phases often attract more attention, not less, because remaining access becomes limited.

Security preparation adds confidence at this stage. Mutuum Finance completed a CertiK audit with a 90/100 Token Scan score. In addition, Halborn Security is reviewing the finalized smart contracts under formal analysis. A $50K bug bounty is active to identify vulnerabilities early. For a DeFi crypto handling collateral and liquidations, layered security is essential before live usage.

Community activity also remains visible. The 24-hour leaderboard rewards the top daily contributor with $500 in MUTM, keeping engagement high as Phase 6 closes. Card payment options are available with no limits, lowering friction for new participants as interest grows.

Recent activity has included whale allocations around $100K, a pattern often seen when larger participants position ahead of milestones rather than after them. These signals help explain why Phase 6 is selling out quickly.

Looking Ahead Toward 2026

As XRP continues to trade under resistance and offer limited upside, investors are reassessing where growth may come from next. MUTM’s position is different. It is still early, supply is tightening, and usage has not yet begun.

In a measured outlook, some analysts believe MUTM could trade in the $0.20–$0.30 range by 2026 if V1 execution and early adoption progress as expected. From the current Phase 6 price of $0.035, that would represent roughly a 6x–9x increase.

Looking further ahead, in a bullish scenario extending into 2027–2028, projections sometimes point toward the $0.70–$1.00 range. From $0.035, this implies a 20x–28x upside, tied to usage growth, fee generation, and the buy-and-distribute mechanism rather than hype.

Ripple remains a major asset, but its growth profile has changed as scale has increased. Mutuum Finance represents a different stage. With $19.30M raised, 18,400 holders, Phase 6 over 98% allocated, and a confirmed Q4 2025 V1, MUTM is moving from quiet progress toward visible execution.

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