XRP News Today: Mutuum Finance Predicted to Surpass XRP by 2025 with 150x Rally

Analysts have recently predicted that Mutuum Finance (MUTM), currently priced at $0.03 in its Phase 5 presale with a $11.9M raise, could surpass XRP, which is trading at $2.22 with a $130B market cap, by the end of the year. This prediction is based on several factors, including MUTM’s innovative dual-lending DeFi model, which includes both peer-to-peer (P2P) and peer-to-contract (P2C) lending, and its CertiK-audited platform.

MUTM’s projected 150x rally to $4.50 is fueled by a $100K giveaway and a growing holder base of 12,900. In contrast, XRP, which experienced a 2.5% decline last week, faces resistance at $2.27 and has a potential 1.3x rally to $2.80 if there is a 90% chance of ETF approval. However, XRP’s regulatory challenges and support risk at $1.95 contrast with MUTM’s low-cap upside and DeFi tokenomics, which could potentially outpace XRP’s market cap growth by December 2025.

Mutuum Finance (MUTM) stands out from conventional DeFi platforms due to its innovative lending structure. It offers a fully customizable P2P experience, allowing both borrowers and lenders to set their own loan duration, interest rate, and even accept partial fills from multiple lenders—all on-chain and without intermediaries. This level of customization is unprecedented in the DeFi space.

In the P2C model, a retail user can deposit $20,000 in ADA as collateral, based on a 60% loan-to-value (LTV) ratio, and unlock a $12,000 borrowing amount. This model extends far beyond basic crypto trading, offering users more flexibility and control over their financial activities.

Additionally, the protocol offers passive dividends through mtTokens—interest-bearing tokens received when users lend assets into shared liquidity pools. For example, a user who deposits $15,000 worth of BNB into Mutuum’s P2C pool will receive 15,000mtBNB in return, automatically accruing yield at an average annualized rate of 10.5% (depending on pool utilization). These mtTokens act as a user’s proof of deposit and will grow in redeemable value as interest accumulates from borrower activity, making it one of the simplest yet most effective ways to earn in DeFi.

The protocol plans to use a portion of its profits to buy back MUTM tokens from the open market and redistribute them to mtToken stakers in the designated contracts. This approach strengthens long-term user incentives while applying continuous upward price pressure on the token itself. As the ecosystem scales, these mechanics are expected to compound value for early supporters.

To further drive confidence in its rollout, the team has introduced a $50,000 Bug Bounty Program. This initiative supports the upcoming launch while reinforcing security across the smart contracts, which have already undergone CertiK’s thorough review processes. Additionally, the project has launched a $100,000 giveaway for early token buyers—ten winners will receive $10,000 worth of MUTM, further boosting the incentive to join before the next price jump.

The excitement around Mutuum Finance (MUTM) is not speculative—it is tied to real lending activity, on-chain revenue generation, and user engagement. For those who are tired of watching XRP stagnate and want to move their capital into a token designed for growth, income, and utility, this may be the moment to act. The $0.03 price tag today will be a distant memory by the end of the year, and as the DeFi sector evolves, Mutuum is quickly becoming the one token everyone will wish they had discovered sooner.