Ripple’s (XRP) recent 16.5% surge following the approval of a spot Bitcoin ETF has reignited investor interest across the crypto sector. While big moves like this grab headlines, seasoned traders often seek undervalued projects with strong fundamentals and real utility for long-term gains. Mutuum Finance (MUTM) fits that bill perfectly. With a unique decentralized lending model and a token currently priced attractively in its Phase 6 presale at $0.035, MUTM presents an exciting alternative to high-profile tokens like XRP. Ripple (XRP) soars 16.5% Ripple’s XRP surged 16.5% to ~$3.27, driven by the SEC’s approval of XRP-linked ETFs from ProShares and Grayscale recently, per CoinJournal. The rally, with trading volume exploding to over $11.74 billion, reflects strong institutional and retail demand, with 182 million tokens traded in 24 hours. The legal clarity from Ripple’s SEC case resolution, finalized August 8, 2025, with a $50 million fine, boosted ETF approval odds to 95%, per Bloomberg analysts. Technical indicators show XRP breaking $3.20 resistance, with RSI at 65 and support at $3.00. Posts on X note whale accumulation of $1 billion off-exchange, signaling bullish sentiment. Analysts project a $6.50 target if $3.64 clears, but macro pressures like U.S. tariffs could trigger a pullback to $2.80. Mutuum Finance (MUTM)’s dual lending models capture diverse market needs Mutuum Finance (MUTM)’s Peer-to-Contract (P2C) lending model offers a solid income stream for investors wanting predictable returns. For example, lending $15,000 worth of Cardano (ADA) at a 9.3% annual percentage yield (APY) yields $1,395 each year. This steady income is secured by overcollateralized loans, where borrowers put up more assets than the loan value, providing safety for lenders. This mechanism appeals to more conservative users looking for consistent returns without excessive risk. On the other hand, the Peer-to-Peer (P2P) lending framework caters to borrowers and lenders comfortable with higher risk and reward. Imagine a borrower pledging $12,000 in TRUMP tokens as collateral at a 60% loan-to-value (LTV) ratio. This borrower would receive a $7,200 USDC loan with a 12% interest rate over a 120-day term. This approach allows users to leverage volatile memecoins while offering lenders attractive yields. This flexibility positions Mutuum Finance (MUTM) as a platform that appeals to a broad audience, from cautious lenders to speculative borrowers. The presale status of Mutuum Finance (MUTM) highlights strong market demand. Currently in Phase 6 at $0.035 per token, the project has raised $14.3 million and attracted more than 15,100 holders, with 15% of the total token supply already sold. Security is a major focus, demonstrated by excellent CertiK audit scores: a Token Scan rating of 95 and a Skynet rating of 78, assuring investors of the platform’s robustness. The $50,000 Bug Bounty program incentivizes ongoing security improvements, while a $100,000 giveaway fuels community engagement and excitement. Early investors are seeing remarkable growth. A Phase 1 participant who invested $8,000 worth of Bitcoin to purchase MUTM tokens at $0.01 now holds $28,000 at the current Phase 6 price point, reflecting a 250% return on investment. Upon the anticipated listing at $0.06, that same stake will be valued at $48,000. Analysts project that following the beta launch and exchange listings, the token’s value is set to triple again, underlining the impressive upside for early adopters. Strong foundations for future expansion and price growth Mutuum Finance (MUTM)’s roadmap is well poised to support sustained growth through several powerful drivers. The upcoming integration of a decentralized stablecoin will significantly increase borrowing demand on the platform. This stablecoin will be minted only against approved collateral and burned when loans are repaid, maintaining a balanced ecosystem that encourages liquidity and usage. In addition, listings on multiple exchanges will expose Mutuum Finance (MUTM) to a global investor base, vastly increasing token accessibility and trading volume. This exposure is expected to draw a broader audience into the MUTM ecosystem, fueling demand and price appreciation. Moreover, the protocol plans to utilize revenue generated from its operations to buy back MUTM tokens from the market, which will then be distributed as staking rewards to mtToken stakers. This buyback mechanism creates a reinforcing cycle where platform growth supports token demand, incentivizing users to stake and hold MUTM, thereby tightening token circulation and boosting price stability. With only 15% of Phase 6 tokens sold so far, investors have a prime opportunity to acquire MUTM before the price rises to $0.040 in the next presale phase. This 15% increase is expected to occur before the wider market fully embraces the upcoming bull run, making early entry a strategic move to maximize returns. In conclusion, while Ripple’s ETF-driven price rally attracts attention, Mutuum Finance (MUTM) is building to offer a compelling, utility-rich alternative with a much lower entry point. Its dual lending models will serve both cautious and aggressive market participants, backed by strong security audits and a vibrant community. With stablecoin integration, exchange listings, and a revenue-funded buyback program on the horizon, MUTM is set for a substantial price appreciation. Early buyers doubling down now stand to benefit immensely as the project gains traction and moves closer to its public launch. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post XRP soars 16.5% after ETF approval, could MUTM be the cheaper play appeared first on Invezz
