Is this the best crypto coin to buy? Analysts say this $0.035 DeFi gem can outperform XRP in ROI

[https://invezz.com/wp-content/uploads/2025/08/31.10.png] For years, XRP has held a reputation as a reliable crypto asset, especially for those seeking exposure to cross-border payments. Yet as the market evolves, many investors are rotating into higher-alpha DeFi projects where lending activity creates not just yield, but also consistent buy pressure on the native token. Analysts are now highlighting Mutuum Finance (MUTM), a new DeFi protocol in presale, as a project that will deliver stronger returns by combining interest-earning opportunities with token value appreciation. A practical example makes this shift clear. A conservative institutional lender will allocate 30,000 USDC into Mutuum Finance (MUTM)’s peer-to-contract (P2C) model, where stablecoins and blue-chip assets are pooled into audited smart contracts. At a medium utilization rate, this allocation will earn 11.8% APY, translating into 3,540 in year-one passive income. The lender will receive mtUSDC tokens, which represent the deposit and interest, ensuring full transparency and liquidity. On the borrower side, a LINK holder will commit 9,500 LINK at a 65% loan-to-value ratio to unlock 6,200 USDC in liquidity while maintaining long exposure to LINK’s upside. Both use cases highlight…