XRP News Today: Mutuum Finance Raises $11.3 Million as Investors Rotate from XRP

As XRP struggles to break out of its stagnant price range, retail and mid-size crypto investors are actively rotating capital into emerging projects with stronger upside potential. One such project that has gained significant attention is Mutuum Finance (MUTM). Currently in Phase 5 of its presale at just $0.03 per token, the platform has already raised over $11.3 million and attracted more than 12,600 holders. The price is set to increase to $0.035 in Phase 6, making this the last opportunity to secure a low entry price before the listing momentum kicks in, which is expected to increase the final price to $0.06 in Phase 11.

What sets Mutuum Finance apart is not just its price but the real earning mechanics behind the platform. Mutuum Finance is building a decentralized lending protocol with two modes: peer-to-contract (P2C) and peer-to-peer (P2P), covering both stable and volatile assets. Through its P2C system, users can lend assets like USDT or ETH into smart contract pools and receive mtTokens in return. These mtTokens will accrue interest as borrowers tap into the liquidity, enabling real passive income. For example, a user lending $20,000 in USDC will receive mtUSDC and, with an average 15% APY (based on pool utilization), will earn $3,000 annually. This model transforms the traditional hold-and-wait strategy into an income-driven and sustainable approach.

Unlike XRP, where price movement is the only way to grow capital, Mutuum Finance is embedding passive earning opportunities directly into its ecosystem. Every time a user deposits into P2C pools, they will receive mtTokens that not only represent their share of the pool but also grow in value automatically. These mtTokens can be staked in designated contracts to qualify for protocol dividends, which are distributed via token buybacks from treasury revenue. This means users do not need to trade to benefit; they will simply collect more MUTM for supporting the platform long term.

Mutuum’s utility token (MUTM) is designed with multiple value anchors. It will reinforce the treasury, support buyback cycles, and reward stakers who commit to the protocol early. With a fixed total supply of 4 billion tokens and an upcoming beta launch on the roadmap, early participation offers exposure to both platform usage and token appreciation. Layer-2 integration will ensure faster and cheaper transactions, further enhancing the user experience across lending, borrowing, and staking functions.

Investors who are tired of XRP's stagnant charts are already allocating capital into MUTM. Many are shifting $25,000 to $50,000 blocks with clear expectations. At just $0.03, a $50,000 investment would secure over 1.6 million MUTM tokens. Even at a conservative 10x, that allocation will be worth $500,000. The buzz isn’t limited to just retail investors; medium-size whales from XRP and Avalanche communities are also positioning for explosive upside as the platform prepares to go live.

Security is a critical factor in DeFi, and Mutuum Finance has already partnered with CertiK for audit assurance and protection. The ongoing $50,000 CertiK Bug Bounty Program, split into four risk tiers, aims to fortify the protocol before launch. With a Skynet Score of 77 and Token Scan Score of 95, the platform is already demonstrating accountability well before its beta release. Mutuum is also building a decentralized stablecoin that will be minted only against collateral and burned upon loan repayment. Governed by adjustable interest rates and issuer caps, the stablecoin will be engineered to maintain its peg through both arbitrage and supply control. The protocol’s overcollateralization and liquidation mechanics will protect liquidity and ensure stable pool health, even in volatile markets.

As interest shifts from price-locked tokens to real-yield protocols, Mutuum Finance is drawing serious capital. The current presale offers an entry point that combines stability, upside, and passive income. A simple investment of $10,000 at $0.03 secures 333,333 MUTM tokens. A 20x surge post-listing brings that total to $200,000—an outcome XRP investors haven’t seen in years. With over 12,600 holders already in, and Phase 5 nearing its end, the window is closing quickly. This presale isn’t just about early pricing—it’s about owning a slice of a DeFi platform that will reward liquidity, security, and patience. As users prepare to stake mtTokens and earn both interest and dividends, momentum is building fast. XRP may still be in consolidation, but Mutuum Finance is trending up—with a 10x horizon within sight.