Top undervalued crypto: XLM stagnates while this asset prepares for 600% growth

While XLM holders continue to watch the same sideways movement week after week, opportunity cost becomes very real.

An investor who held $2,000 worth of Stellar (XLM) over the past 90 days has seen almost no gains.

On the other hand, a similarly sized investment made into Mutuum Finance (MUTM) during Phase 2—when tokens were priced at $0.015—has already grown 100%, long before the token has even launched.

Stellar (XLM) price stagnation

Stellar (XLM) is a decentralized blockchain platform launched in 2014 by Jed McCaleb, focused on fast, low-cost cross-border payments and financial inclusion, rivaling XRP.

Using the Stellar (XLM) Consensus Protocol (SCP), it achieves 3–5-second transaction finality with $0.00001 fees.

XLM, its native token, facilitates transactions, supports asset tokenization, and powers DeFi, remittances, and RWAs. On July 7, 2025, XLM traded at $0.24 with a $4.6B market cap, backed by 8.7M accounts and $2.8B in stablecoin volume.

XLM remained flat last week, trading at $0.24 with a $4.6B market cap.

A double bottom at $0.225 hints at a 1.2x rally to $0.29, but $0.2479 resistance and an RSI of 45 signal bearish pressure.

$2.8B in stablecoin volume and HashSphere integration are offset by Aptos’s TVL overtake and a 3.2% address drop, risking a fall to $0.20. Posts on X highlight fading ETF hopes, dampening sentiment.

Lending activity that rewards every user

At the heart of the Mutuum Finance (MUTM) model will be its dual-mode lending framework. The protocol will offer both peer-to-contract (P2C) and peer-to-peer (P2P) lending options.

This flexibility will allow users to either supply assets to shared liquidity pools and earn interest automatically, or directly negotiate terms for more volatile assets in P2P scenarios.

The structure will appeal to a wide spectrum of users and will help keep the protocol capital-efficient.

A practical example will show the value of participation. Someone who deposits $8,000 worth of LINK into the P2C model will earn $736 at 9.2% APY, driven by dynamic interest rate adjustments that will respond to pool usage.

There will be no need for manual claiming or reinvesting. As a depositor receives mtTokens, which will represent their share in the pool, these tokens will increase in value passively as interest accrues.

On the borrowing side, the system will be just as efficient. A user holding $5,000 in MATIC will be able to borrow up to $2,750 in DAI at a 55% loan-to-value (LTV) ratio.

This approach will offer unmatched flexibility, making Mutuum Finance (MUTM) appealing to both traders and long-term holders who will seek liquidity without having to sell their assets.

Presale surge, real tokenomics, and a strong security backbone

Momentum is building fast. The project is currently in Phase 5 of its presale, offering tokens at $0.03 with a significant price jump to $0.035 just around the corner.

With over $11.9 million already raised, more than 12,900 holders onboard, and 65% of this phase already sold out, the window for low-entry access is closing rapidly.

The final listing price is locked in at $0.06, and early buyers are positioning themselves for strong short-term and long-term gains.

What separates Mutuum Finance (MUTM) from legacy tokens like Stellar (XLM) is how it ties token value directly to ecosystem activity.

The protocol will use a portion of its earnings to buy MUTM tokens from the market and distribute them to users who stake mtTokens in the designated smart contracts.

This mechanism not only creates buying pressure but also reinforces long-term staking behavior and deepens liquidity in the system.

Security is also being prioritized from the start. The team has enlisted CertiK to audit the platform, including a full manual code review and static analysis.

A $50,000 Bug Bounty Program is currently running, offering top-tier rewards to developers who help identify vulnerabilities ahead of the launch.

This transparent, security-first approach positions the protocol to grow responsibly and sustainably over time.

While XLM continues to trade on legacy reputation alone, Mutuum Finance (MUTM) is building an income-driven ecosystem with functional lending, dynamic tokenomics, and a rapidly growing community.

As the presale advances and the token edges toward exchange listings, the $0.03 price point may be remembered as the last dip before explosive growth.

In the evolving world of DeFi, those who recognize revenue-backed innovation early are the ones who gain the most.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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