XRP News Today: Mutuum Finance Presale Surpasses $13.7M as XRP Faces Volatility on $90M Upbit Liquidation

Mutuum Finance (MUTM) and Ripple (XRP) continue to draw attention as key names on the 2025 crypto watchlist, with analysts highlighting their divergent investment profiles. While XRP has seen recent volatility, MUTM is positioning itself as a compelling alternative for investors seeking structured growth and DeFi innovation [1].

Mutuum Finance is currently in phase 6 of its token presale, with each MUTM token priced at $0.035, representing a 250% increase from the initial $0.01 price in phase 1. Early buyers who purchase now are guaranteed a 71% return based on the $0.06 launch price, and analysts estimate a potential 7000% return if the token reaches $2.50 post-launch [1]. To date, the project has raised $13.7 million, with over 655 million tokens sold to more than 14,600 holders. This strong market response reflects growing confidence in MUTM’s utility-driven model.

The platform is pioneering a dual-lending model that integrates peer-to-contract and peer-to-peer systems. The peer-to-contract mechanism automates lending through smart contracts and dynamic interest rates, providing users with stability, while the peer-to-peer model allows for more flexible and direct financing, especially for volatile assets [1]. To further enhance its ecosystem, Mutuum is developing a fully collateralized USD-pegged stablecoin on the Ethereum network, which is expected to boost liquidity and facilitate seamless transactions.

Security remains a top priority for Mutuum Finance, which recently completed a CertiK audit. The audit awarded the project a 95.00 security score, with no vulnerabilities detected in the smart contracts [1]. Additionally, the team has launched a $50,000 USDT Bug Bounty Program with CertiK to reward the identification of critical issues. To further incentivize participation, the project is also running a $100,000 MUTM giveaway, with prizes split among 10 winners. Investors who purchase $50 in presale tokens are eligible to enter the draw.

In contrast, Ripple’s XRP has faced a sharp price correction, falling from $3.65 to $3.09 following a large sell-off on Upbit that liquidated $90 million in leveraged positions [1]. The $3.00 level is now considered a critical support point, with technical indicators suggesting potential for a recovery if prices remain above $2.80. However, a breakdown could lead to further tests at lower supports, highlighting the risks associated with leveraged trading in XRP.

While XRP remains a well-established player in the crypto market, its volatility contrasts with MUTM’s more structured and transparent approach to growth. Analysts suggest that Mutuum Finance’s combination of DeFi innovation, secure infrastructure, and strong investor incentives makes it a distinct option for those looking to diversify their crypto portfolios [1].

For investors considering 2025 crypto opportunities, the current phase of MUTM’s presale offers a timely entry point before the next price increase. As the market continues to evolve, Mutuum Finance’s focus on utility, security, and community engagement may provide a more balanced risk-reward profile compared to the more speculative nature of XRP [1].

Source: [1] 2025’s best crypto watchlist: Analysts weigh MUTM against XRP (https://invezz.com/news/2025/07/31/2025s-best-crypto-watchlist-analysts-weigh-mutm-against-xrp/)