Ripple (XRP) has reclaimed market attention as ETF speculation resurfaces across major news outlets. The narrative of institutional adoption continues to dominate headlines, boosting short-term interest in legacy altcoins. However, while attention concentrates on regulatory headlines, smaller DeFi protocols are building practical infrastructure designed for sustained use, not temporary sentiment. One such example is Mutuum Finance (MUTM) , quietly developing a complete lending protocol with live revenue mechanics — priced
