XRP soared 30% this week, reaching $2.746 by July 12, 2025, driven by Ripple’s partnership with BNY Mellon as the RLUSD stablecoin custodian and a record 2,743 whale wallets holding over 1M XRP. A massive 779,321 XRP withdrawal from Coinbase and a Wyckoff accumulation pattern signal strong institutional confidence. Despite an overbought RSI (80), technicals suggest a bull flag, with targets at $3.00–$3.40 if $2.83 resistance breaks. Ripple’s regulatory clarity push and ETF speculation further fuel.
XRP’s surge boosts altcoin momentum, potentially lifting ADA and SOL in crypto markets. In stocks, fintech firms like Ripple’s partners may gain, though U.S.-BRICS trade tensions could spark volatility. In forex, a stronger dollar may cap XRP’s gains, but ETF approval and RLUSD’s $500M+ market cap could drive XRP toward $4–$6 by Q4 2025.
Earning Power in Both P2C and P2P Models
As XRP posts a 30% surge this week, confidence across the broader crypto market is returning fast. Momentum is shifting into utility-driven tokens, and decentralized finance is once again attracting attention. While many eyes are on established altcoins, a new project is quietly building a real DeFi foundation: Mutuum Finance (MUTM). The protocol isn’t aiming to mimic hype—it’s aiming to replace outdated models with a smarter, dual-lending system that creates real yield, not speculation.
Now priced at $0.03, Mutuum Finance (MUTM) is in Phase 5 of its presale. With 73% of the current round already sold and over $12.2 million raised, investor interest continues to climb, with more than 13,200 holders now onboard. The next phase—$0.035—is already locked in, and once this one ends, entries at the current price will be over.
What sets Mutuum Finance (MUTM) apart is its two-pronged model for lending and borrowing, which balances passive income and borrowing flexibility without relying on centralized control.
In the P2C (Pool-to-Contract) system, users will deposit top-tier assets into smart lending pools and will earn predictable returns. For example, depositing $1,500 worth of MATIC into a pool at 12% APY will generate $180 in passive yield. The platform will mint mtTokens, like mtMATIC in 1:1, which will track both the user’s original capital and accrued interest. These tokens will be ERC-20 compatible and will be stakable in dividend smart contracts to generate additional MUTM rewards.
In the P2P (Peer-to-Peer) model, users will have full control over their lending terms. A lender, for instance, will be able to issue a loan of $20,000 worth of DOGE against a borrower’s USDC collateral at 17% APR. This model will cater especially well to meme coin holders who want to unlock liquidity without selling their assets, while lenders will choose the collateral, duration, and rates. The P2P system will operate through secure, non-custodial contracts that will require no intermediaries.
Borrowers will benefit from dynamic LTVs that increase based on asset quality, with top assets unlocking up to 80% of their collateral value. There will be no expiration date for repayment—users will maintain full control over timing, as long as liquidation thresholds are not triggered. This feature will make Mutuum Finance (MUTM)’s lending model far more flexible than traditional DeFi protocols or centralized platforms.
Presale Heating Up As Mutuum Finance (MUTM) Prepares for Launch
The MUTM token sits at just $0.03 right now, but not for long. With 73% of Phase 5 sold, entry at this tier is rapidly closing. The next stage, priced at $0.035, will be a 20% increase, with a confirmed listing price of $0.06. Early buyers from Phase 1 already sit on 3x gains, and Phase 5 participants still hold a 2x base upside to listing—and even more once the market opens. Analysts following the presale believe this momentum will only intensify after the platform’s beta release.
Beyond price action, Mutuum Finance (MUTM)’s roadmap features high-impact upgrades aimed at expanding protocol utility and improving user experience. A key highlight is its upcoming decentralized, protocol-native stablecoin, which will remain pegged to $1 and be minted only when users borrow against overcollateralized crypto such as ETH.
Minting will be restricted to approved issuers — designated smart contracts or users with predefined limits — ensuring supply control and minimizing risk. Once loans are repaid or liquidated, the stablecoin will be automatically burned. Governance-managed interest rates, along with arbitrage mechanisms, will help maintain the peg across exchanges and keep the system stable.
All lending and borrowing activity occurs through non-custodial smart contracts, and platform operations will scale through Layer-2 integration, reducing gas fees and increasing transaction speed.
To bolster trust, Mutuum Finance (MUTM) has completed a third-party audit from CertiK, earning a 95.00 Token Scan score and a 77.50 Skynet rating. A $50,000 bug bounty is live to encourage responsible disclosure from ethical hackers, and a $100,000 community giveaway is currently underway to reward early supporters.
XRP’s Rally Is Fueling DeFi Demand—and MUTM Is the Perfect Utility Play to Ride This Wave
Institutional and retail momentum is flowing back into DeFi, and Mutuum Finance (MUTM) is lining up to become one of the sector’s leading entries. The platform combines borrowing flexibility, fixed-yield generation, mtToken dividend staking, and an upcoming stablecoin ecosystem—features that go beyond hype and deliver long-term value.
Analysts predict the current $0.03 price won’t hold much longer. Once the presale crosses into the next tier, late entries will be paying more for the same upside. This is a real DeFi platform designed for scalability and sustainability. With XRP fueling sector-wide optimism, MUTM is ready to take center stage.
For more information about Mutuum Finance (MUTM) visit the links below:
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