XRP News Today: Mutuum Finance Presale Raises $11.7 Million, XRP Loses Momentum

In the crypto market, July 2025 has seen a significant shift in investor focus. Ripple’s XRP, which had a tumultuous June, is now facing stiff competition from Mutuum Finance (MUTM). XRP's price hovered around $2 despite ambitious announcements from Ripple Labs’ CEO, indicating a loss of momentum.

Investors are now turning their attention to smaller, promising projects that could offer substantial returns. One such project is Mutuum Finance, a DeFi lending protocol that allows users to participate as lenders, borrowers, or liquidators. Lenders deposit their assets into pools to earn interest, while borrowers use collateral to access liquidity. The protocol ensures stability through over-collateralization, where the value of collateral is always higher than the value of borrowed assets. Interest rates are based on the pool utilization rate to achieve capital efficiency.

The Mutuum Finance (MUTM) presale is currently in phase 5, with tokens priced at $0.03. The presale has already raised over $11.7 million from around 12,700 unique buyers. With over half of the tokens in phase 5 sold, and a 50% discount on the final launch price of $0.06, the current phase is expected to sell out by the end of July. The upcoming phase 6 will see a 16.67% increase in token price, eliminating the current discount.

Analysts are optimistic about the future of MUTM tokens, projecting a potential 4400% increase in price upon launch. This means a $1600 investment in the presale could grow to over $70,000, with no upper caps on investment amounts. The current market conditions, characterized by a consolidation phase without massive outflows of capital, suggest that the next rally could be the biggest in crypto history. The entry of institutional investors has stabilized the market, making this the final opportunity for massive returns before the market matures.

Mutuum Finance has also partnered with CertiK to ensure long-term user protection. The partnership includes a $50,000 USDT bug bounty program with four tiers of rewards for security experts who identify issues. This collaboration underscores Mutuum Finance's commitment to security and user trust.

With 60% of phase 5 tokens already sold, and a 50% discount available, now is the time for investors to act. The next phase will see a significant increase in token price, reducing the available discount. For more information about Mutuum Finance (MUTM), visit their official website or Linktree.