XRP News Today: XRP Surges 30% on Ripple Partnership and Whale Activity

XRP experienced a significant surge of 30% this week, reaching $2.746 by July 12, 2025. This rally was driven by Ripple’s strategic partnership with BNY Mellon as the RLUSD stablecoin custodian and a record number of 2,743 whale wallets holding over 1 million XRP. Additionally, a massive withdrawal of 779,321 XRP from Coinbase and a Wyckoff accumulation pattern indicated strong institutional confidence. Despite an overbought Relative Strength Index (RSI) of 80, technical analysis suggested a bull flag pattern, with potential targets at $3.00–$3.40 if the $2.83 resistance level is broken. Ripple’s efforts to achieve regulatory clarity and speculation around an Exchange-Traded Fund (ETF) further fueled the surge.

XRP’s impressive performance has boosted momentum across the broader altcoin market, potentially lifting other cryptocurrencies such as ADA and SOL. In the stock market, fintech firms partnered with Ripple may see gains, although U.S.-BRICS trade tensions could introduce volatility. In the forex market, a stronger dollar might cap XRP’s gains, but the approval of an ETF and the RLUSD stablecoin’s market cap exceeding $500 million could drive XRP toward $4–$6 by the fourth quarter of 2025.

As XRP surges, confidence in the broader crypto market is rapidly returning, with a shift towards utility-driven tokens and decentralized finance (DeFi) gaining traction. While established altcoins are attracting attention, a new project, Mutuum Finance (MUTM), is quietly building a robust DeFi foundation. Unlike other projects that chase hype, Mutuum Finance aims to replace outdated models with a smarter, dual-lending system that generates real yield rather than speculation.

Currently priced at $0.03, Mutuum Finance is in Phase 5 of its presale, with 73% of the current round already sold and over $12.2 million raised. Investor interest is climbing, with more than 13,200 holders now onboard. The next phase, priced at $0.035, is already locked in, and once this phase ends, entries at the current price will be over. What sets Mutuum Finance apart is its two-pronged model for lending and borrowing, which balances passive income and borrowing flexibility without relying on centralized control.

In the P2C (Pool-to-Contract) system, users deposit top-tier assets into smart lending pools and earn predictable returns. For example, depositing $1,500 worth of MATIC into a pool at 12% Annual Percentage Yield (APY) will generate $180 in passive yield. The platform mints mtTokens, like mtMATIC in 1:1, which track both the user’s original capital and accrued interest. These tokens are ERC-20 compatible and can be staked in dividend smart contracts to generate additional MUTM rewards.

In the P2P (Peer-to-Peer) model, users have full control over their lending terms. A lender can issue a loan of $20,000 worth of DOGE against a borrower’s USDC collateral at 17% Annual Percentage Rate (APR). This model caters especially well to meme coin holders who want to unlock liquidity without selling their assets, while lenders choose the collateral, duration, and rates. The P2P system operates through secure, non-custodial contracts that require no intermediaries.

Borrowers benefit from dynamic Loan-to-Value (LTV) ratios that increase based on asset quality, with top assets unlocking up to 80% of their collateral value. There is no expiration date for repayment—users maintain full control over timing, as long as liquidation thresholds are not triggered. This feature makes Mutuum Finance’s lending model far more flexible than traditional DeFi protocols or centralized platforms.

The MUTM token is currently priced at $0.03, but this price is expected to rise soon. With 73% of Phase 5 sold, entry at this tier is rapidly closing. The next stage, priced at $0.035, will be a 20% increase, with a confirmed listing price of $0.06. Early buyers from Phase 1 already sit on 3x gains, and Phase 5 participants still hold a 2x base upside to listing—and even more once the market opens. Analysts following the presale believe this momentum will only intensify after the platform’s beta release.

Mutuum Finance’s roadmap features high-impact upgrades aimed at expanding protocol utility and improving user experience. A key highlight is its upcoming decentralized, protocol-native stablecoin, which will remain pegged to $1 and be minted only when users borrow against overcollateralized crypto such as ETH. Minting will be restricted to approved issuers—designated smart contracts or users with predefined limits—ensuring supply control and minimizing risk. Once loans are repaid or liquidated, the stablecoin will be automatically burned. Governance-managed interest rates, along with arbitrage mechanisms, will help maintain the peg across exchanges and keep the system stable.

All lending and borrowing activity occurs through non-custodial smart contracts, and platform operations will scale through Layer-2 integration, reducing gas fees and increasing transaction speed. To bolster trust, Mutuum Finance has completed a third-party audit from CertiK, earning a 95.00 Token Scan score and a 77.50 Skynet rating. A $50,000 bug bounty is live to encourage responsible disclosure from ethical hackers, and a $100,000 community giveaway is currently underway to reward early supporters.

Institutional and retail momentum is flowing back into DeFi, and Mutuum Finance is positioning itself to become one of the sector’s leading entries. The platform combines borrowing flexibility, fixed-yield generation, mtToken dividend staking, and an upcoming stablecoin ecosystem—features that go beyond hype and deliver long-term value. According to analysts' forecast, the current $0.03 price won’t hold much longer. Once the presale crosses into the next tier, late entries will be paying more for the same upside. This is a real DeFi platform designed for scalability and sustainability. With XRP fueling sector-wide optimism, MUTM is ready to take center stage.