XRP News Today: XRP Drops 4.12% as Investors Shift to Mutuum Finance

XRP (XRP) has been trading at $2.092 with a market capitalization of $129 billion, experiencing a 4.12% decline over the past week. The cryptocurrency is currently trapped in a descending triangle pattern, which suggests a bearish trend. Despite the 90% odds of ETF approval and a partnership with Wormhole that enhances multichain interoperability, weak trading volume and negative funding rates indicate ongoing bearish pressure. A breakout above $2.22 could potentially drive a 1.3x rally to $2.70, but failure to hold above $2.00 risks a drop to $1.90.

While XRP struggles to maintain its value after a 4.12% drop last week, experienced investors are already shifting their focus to a token priced much lower but offering significantly higher upside potential. Mutuum Finance (MUTM), currently in Phase 5 of its presale at $0.03, is gaining traction as capital rotates from large-cap cryptocurrencies into low-cap protocols with real-world use and scalable DeFi infrastructure. With $11.7 million raised, 12,700+ holders onboarded, and 60% of this phase’s allocation already sold, Mutuum Finance (MUTM) is clearly attracting smart capital.

Mutuum Finance (MUTM) stands out with its dual lending model, allowing users to either lend into stable liquidity pools via the Peer-to-Contract (P2C) system or create custom loan agreements directly through Peer-to-Peer (P2P) setups. This flexibility enables users to access borrowing or lending functionality across a wide spectrum of assets, including meme coins, stablecoins, and major altcoins. For example, a user who lends $15,000 in USDC through the Mutuum protocol will receive mtUSDC at a 1:1 ratio—mtTokens are yield-bearing assets that increase in value as interest accrues. If the average annual yield hits 15%, that same user will earn $2,250 in passive income by year-end.

For borrowers, the process is equally efficient. Someone holding $1,000 worth of ETH can use it as collateral and borrow up to 75% of its value—depending on the assigned loan-to-value (LTV) ratio for ETH—without needing to sell the asset. This means they retain full exposure to any ETH price increases while getting the liquidity they need for other opportunities or expenses. In the P2P segment, lenders and borrowers can negotiate interest rates, loan terms, and repayment durations directly, with no intermediaries involved. This setup is ideal for lesser-known or more volatile assets like Dogecoin (DOGE), Shiba Inu (SHIB), or Pepe (PEPE), which wouldn’t qualify for pooled liquidity but are still in high demand for lending. The result is a flexible ecosystem that caters to both conservative and risk-tolerant users—without compromising the protocol’s structural safety.

Mutuum Finance (MUTM) differentiates itself from most early-stage altcoins by building its ecosystem around real economic activity. Every time users borrow, repay loans, or interact with lending pools through smart contracts, they generate protocol fees. These fees will be routed for dividend distributions in MUTM for mtToken stakers by strategic token buybacks from the open market. With its $0.06 listing price already locked in, Phase 5 buyers will automatically see a 2x return by launch. Based on current growth indicators, platform demand, and the rollout of its beta platform and Layer-2 integration, analysts are forecasting MUTM to reach between $0.12 and $0.18 by Q4 of this year. That’s a 4x to 6x return for those entering before the price jumps to $0.035 in Phase 6.

The platform’s roadmap shows clearly defined development stages: beta launch at listing, followed by the release of its overcollateralized stablecoin and its Layer-2 scaling infrastructure. These aren’t just ideas—they are functional upgrades that will improve transaction speeds, cut gas fees, and open the door for broader institutional adoption. And while competitors lean heavily on hype, Mutuum Finance (MUTM) backs its ecosystem with investor protections and third-party oversight. A $50,000 bug bounty with CertiK is live, designed to harden the platform ahead of mainnet rollout. With each step, the project continues to align investor interests with long-term protocol health.

With less than half of Phase 5 supply remaining and the $100,000 MUTM giveaway drawing more participants every day, entry at the current $0.03 price is rapidly narrowing. For buyers moving out of stagnant large caps like XRP (XRP), this may be the last sub-$0.05 gem that offers real fundamentals, long-term staking rewards, and true scalability inside a DeFi protocol built to last.