XRP News Today: Whale Capital Shifts: Why DeFi's Newcomer Outpaces XRP's Stale Momentum

MUTM’s presale has attracted significant attention from crypto whale investors in the lead-up to September 2025, as the decentralized finance (DeFi) project continues to scale with a two-model lending platform. While broader crypto markets remain cautious around established tokens like XRP, which is currently trading near $2.94, whale capital is increasingly shifting toward MUTM. Analysts have noted that if XRP breaks above the $3.00 resistance level and sees a continuation of whale accumulation, it could climb to $3.40–$4.00 in the coming months, with some predictions suggesting a potential rise to $5–$8 by early 2026. However, the growing enthusiasm around newer DeFi initiatives, such as Mutuum Finance, is beginning to outpace interest in XRP’s more stable but slower-moving trajectory [1].

Mutuum Finance is currently in Stage 6 of its presale, with tokens priced at $0.035 each. As of the latest reports, the project has raised over $15.25 million and has attracted more than 15,850 investors. This growing capital base is being attributed to the platform’s dual lending models: Peer-to-Contract and Peer-to-Peer. The Peer-to-Contract model leverages autonomous smart contracts that operate without human intervention, adjusting lending rates dynamically based on supply and demand. Meanwhile, the Peer-to-Peer model allows direct interactions between lenders and borrowers, which analysts suggest could be particularly appealing to meme coin holders seeking flexibility and lower fees [1].

In addition to its innovative financial infrastructure, Mutuum Finance has also launched a $50,000 USDT Bug Bounty Program to enhance its platform’s security. The program categorizes potential vulnerabilities into four risk tiers—critical, major, minor, and low—offering varying reward amounts for successful contributions from white-hat hackers. This initiative signals the project’s commitment to transparency and robust security, two factors that have become increasingly important for DeFi projects in the wake of several high-profile exploits in recent years [1].

To further incentivize community growth, the project has also announced a $100,000 giveaway. This includes 10 winners receiving $10,000 worth of MUTM tokens. The initiative is part of a broader strategy to cultivate a loyal and active user base, which could play a crucial role in driving token adoption and liquidity post-presale. With Stage 7 of the presale expected to increase the token price to $0.04, early investors stand to benefit from a potential 500% return within a short time frame, assuming the project continues to attract both capital and community support [1].

Looking ahead, Mutuum Finance appears well-positioned to become one of the most anticipated DeFi projects before the end of the fourth quarter of 2025. The combination of a strong presale performance, a diversified lending model, and a proactive approach to community and security engagement suggests that MUTM could outperform many of its peers in the short to medium term. As Stage 7 nears, investor sentiment is expected to grow stronger, especially if the platform continues to demonstrate progress in its roadmap and token utility. For those considering early entry, the current presale stage offers an opportunity to acquire tokens at a potentially significant discount before the next price increase [1].

Source: [1] Why Whale Investors Are Choosing Mutuum Finance ... (https://www.mitrade.com/insights/news/live-news/article-3-1083092-20250901)