XRP News Today: XRP Surges 2.36% to $2.27 as Ripple Pursues US Bank Charter Mutuum Finance (MUTM) Presale Raises 12,000,000 with 100% ROI Guaranteed

XRP, the cryptocurrency associated with Ripple, has surged past the $2.28 mark, driven by Ripple's pursuit of a national bank charter in the United States. This development has significantly boosted investor confidence, leading to a notable increase in trading activity as the token continues to climb successive resistance levels.

XRP's price has shown a steady upward trend, gaining 2.36% within a 24-hour period from July 6 to July 7, 2025. The token's value rose from $2.21 to $2.27, with hourly trading volume peaking at 67 million. Support levels at $2.24–$2.25 have remained strong, with buyers actively participating during dips.

Resistance is now anticipated at $2.29–$2.30, but analysts predict that if the momentum continues, XRP could potentially reach $2.60 or even $3.40. This technical setup has garnered significant attention in the crypto market, positioning XRP as a strong contender for further growth.

Meanwhile, Mutuum Finance (MUTM) is attracting substantial whale accumulation during its presale, having raised 12,000,000 with over 580 million tokens sold to 13,000 holders. The presale is currently in Phase 5, with tokens priced at $0.03. This phase is already 65% filled, indicating a rapidly closing window for investors to purchase at the current price.

The price of MUTM tokens has tripled from $0.01 in Phase 1, and with a launch price set at $0.06, buyers are assured of a 100% return on investment. Phase 6 will see a 16.7% price increase to $0.035, adding urgency for investors to act quickly.

Mutuum Finance (MUTM) is distinguished by its innovative dual lending framework, which combines peer-to-contract and peer-to-peer systems. The peer-to-contract model uses smart contracts to dynamically adjust interest rates, ensuring stability for both lenders and borrowers. The peer-to-peer approach allows for direct transactions, offering flexibility for volatile assets. This structure emphasizes transparency and user control, setting Mutuum Finance apart from centralized platforms.

Additionally, Mutuum Finance is developing a fully collateralized USD-pegged stablecoin on Ethereum, which aims to mitigate the risks of depegging. This innovation positions Mutuum Finance as a practical choice for investors seeking crypto investment opportunities.

Mutuum Finance has also taken steps to bolster trust and security. The project has undergone a CertiK audit, earning a 95.00 security score with no vulnerabilities found. The team has launched a $50,000 USDT Bug Bounty Program with CertiK, rewarding discoveries across various severity tiers. Furthermore, a $100,000 MUTM giveaway is underway, with prizes split among 10 winners, each receiving $10,000. Entry requires a $50 presale investment and completing simple quests. The top 50 holders are also being rewarded with bonus tokens via a leaderboard dashboard, encouraging long-term commitment to crypto investment.

Analysts forecast that Mutuum Finance (MUTM) could reach a post-launch price of $2.50 in 2025, representing a potential 8,233% gain from the current $0.03 presale price. The project's goal of scaling DeFi with Layer 2 and a native stablecoin offers hope for significant growth. Unlike XRP, which relies on institutional adoption for its utility, Mutuum Finance provides immediate utility through lending and staking. Its mtToken system allows users to earn interest and trade tokenized deposits, enhancing liquidity.

As the crypto market continues to heat up, both XRP and Mutuum Finance are drawing attention from investors seeking the next big opportunity. While XRP's momentum is fueled by Ripple's banking ambitions, Mutuum Finance's presale success, robust security, and innovative lending model make it a standout altcoin. With Phase 5 nearing completion and a guaranteed 100% ROI at launch, investors are flocking to secure tokens. The project's stablecoin and Layer 2 plans signal long-term potential, while its giveaway and bounty programs foster community trust.