XRP News Today: XRP Surges 14% on ETF Hopes, Mutuum Finance (MUTM) Offers 200% Presale Gain

XRP has recently experienced a surge, reaching prices between $1.84 and $2.27, with a target breakout price of $2.52. This upward momentum is driven by a high likelihood of ETF approval in 2025, which has sparked significant investor interest. Despite a modest gain of +0.14% in the prior week, XRP's market capitalization stands at $96.6 billion, indicating strong investor confidence.

Institutional accumulation, fueled by ETF filings and a halved holder ratio in the first half of 2025, supports a falling wedge breakout pattern. If this momentum continues, XRP has the potential to reach $2.80. However, resistance at $2.18 and macroeconomic volatility pose risks, with support levels at $1.60–$1.70 being critical for sustaining the rally.

While XRP's rally is driven by external catalysts, another cryptocurrency, Mutuum Finance (MUTM), is gaining attention for its built-in earning power. Currently in Phase 5 of its presale, MUTM is priced at $0.03, with over $11.4 million raised and more than 12,600 holders. Unlike speculative rallies, this DeFi platform is designed with native yield, staking rewards, and an upcoming stablecoin, all aimed at creating real on-chain revenue.

Mutuum Finance (MUTM) is not just a token; it is a lending engine that will soon reward participants with protocol-generated dividends, interest on deposits, and platform-based borrowing tools. This offers a sharper route for those seeking yield rather than just headlines, as opposed to XRP, which relies on institutional demand.

One early adopter of Mutuum Finance (MUTM) recently made a strategic portfolio rotation by moving $80,000 out of XRP into the MUTM presale during Stage 2, when the token price was $0.015. This early allocation secured a powerful position of 5,333,333 tokens, locking in a cost basis that will soon be impossible to replicate. With the presale now in Phase 5, where tokens are priced at $0.03, the same stake has already doubled in paper value to $160,000—a 2× gain from presale progression alone, before the protocol even goes live. If the token reaches the final presale phase at $0.06, this investor’s holdings will be valued at $320,000, delivering a 4× return purely on early conviction and timing.

For this investor, the move was about replacing static exposure with a yield-generating DeFi asset that compounds value over time. With Phase 6 set to increase the price to $0.035, new buyers have a shrinking window to lock in similar upside before the next price jump pushes the cost basis even higher.

Lending and borrowing are the core of the Mutuum Finance protocol. Users will be able to deposit digital assets like USDC, USDT, or ETH into decentralized liquidity pools. These deposits will earn interest dynamically based on real-time usage of the pool. For example, a $10,000 USDT deposit will issue mtETH tokens, which grow in value over time as borrowers pay interest. At 15% APY, this depositor earns $1,500 in yield annually.

But the real benefit begins when mtTokens are staked in designated contracts. This will activate eligibility for MUTM token dividends, which come from protocol transaction fees and borrow interest charges. Unlike XRP, which offers no such financial return to its holders, MUTM will actively reward participants in proportion to their engagement in the lending ecosystem. This dual income structure—APY on deposits plus token buyback-driven dividends—makes it one of the few presale-stage tokens with real earning mechanics planned from the start.

Mutuum Finance (MUTM) is also preparing to launch a protocol-backed stablecoin that will add depth to its internal lending markets. The stablecoin will only be minted when users borrow against overcollateralized assets such as ETH. This means the supply will be directly tied to platform activity, keeping it controlled and demand-driven. Unlike external stablecoins, this native asset will be tuned by governance to help maintain price stability around $1, using mechanisms like interest rate adjustment and arbitrage incentives.

This innovation is designed not just to support borrowing but to fuel token demand. As more borrowers use the platform, demand for MUTM will rise—both from borrowers using it as a utility token and from stakers earning from higher platform activity.

Security is also a foundational element in the project’s structure. Mutuum Finance (MUTM) has already been audited by CertiK, with a Token Scan Score of 95.00 and a Skynet Score of 77. To reinforce platform reliability, a $50,000 bug bounty has been launched to catch any potential vulnerabilities across all contract layers. These proactive steps will help Mutuum enter its beta phase with a high degree of technical trust—an edge over less mature platforms.

With Phase 5 still active and the token priced at just $0.03, investors now face the final opportunity to enter before the price climbs in the next round. XRP may surge on ETF hype, but Mutuum Finance (MUTM) offers a fundamentally stronger risk/reward setup with protocol-based income and scalable token value. The difference lies in real yield—and smart capital knows the clock is ticking.