Ripple’s XRP has recorded a 3% gain in the past 24 hours as institutional activity continues to shape trading dynamics. The token has extended above the $3.00 mark, drawing renewed interest after Japan’s SBI Holdings expanded its lending services.
Alongside that, optimism surrounding the pending U.S. ETF applications has fueled inflows. Yet despite XRP’s momentum, analysts maintain that a new entrant, Mutuum Finance (MUTM), is positioned as the DeFi crypto to watch next.
XRP Sustains Momentum From Lending And ETF Speculation
XRP has been holding gains above $3.00 after volumes spiked between $2.95 and $3.10. The latest rise followed SBI Holdings’ launch of institutional XRP lending in Japan, a move that highlights Asia’s increasing focus on digital assets.
Meanwhile, attention has shifted toward October 18, when the first decisions on seven U.S. ETF filings are expected. Prediction markets are currently assigning a 99% chance of approval, encouraging speculative activity.
Furthermore, technical signals are showing a consolidation zone around $3.00, reinforcing accumulation by professional traders. Resistance is firm at $3.10, where institutional selling capped further moves. Still, buyers remain active, with turnover exceeding 200 million tokens in single-hour bursts. Consequently, the ability to close above $3.10 remains crucial for any breakout toward $3.20.
Although XRP is supported by both lending flows and ETF optimism, some experts argue that stronger long-term upside rests in DeFi tokens with emerging utility rather than legacy altcoins. This brings Mutuum Finance into sharper focus for investors evaluating what crypto to invest in next.
Mutuum Finance (MUTM) has already secured more than $16,850,000 in funding across its presale, attracting 16,770 holders to date. The presale has now reached Phase 6, which is 60% filled, with the token selling at $0.035.
Early participants from the first phase have already seen gains of 250% from the entry price of $0.01. Phase 6 is underway and selling rapidly, as the following stage will open at $0.04, a 14.3% rise, before MUTM launches at $0.06. Current buyers stand to capture gains of 371% at launch.
What sets the project apart is its clear product development roadmap. Mutuum Finance has announced progress on its lending and borrowing protocol, beginning with a Sepolia testnet rollout in Q4 2025.
Core modules such as liquidity pools, mtTokens, debt tokens, and a liquidator bot are planned, with ETH and USDT confirmed as the first supported assets for lending, borrowing, and collateral. This positions MUTM as one of the best cryptos to buy now for investors seeking tangible DeFi infrastructure.
Incentives, Utility, And Presale Growth
Mutuum Finance is not limiting itself to development alone. The project has rolled out a dashboard that showcases a leaderboard of the top 50 token holders, who will receive bonus rewards for maintaining their ranking. This unique structure encourages long-term participation and engagement.
Moreover, the team has announced its largest giveaway to date, allocating $100,000 in MUTM to 10 winners, each receiving $10,000. Entry requires completing steps such as wallet submission and a minimum $50 presale investment, further driving demand.
Looking at the tokenomics, MUTM is structured with a fixed supply of 4 billion, with 45% distributed through the presale in discounted tiers. This ensures predictable scarcity as phases progress. Importantly, the current phase represents one of the last opportunities for investors to buy at under $0.04 before launch. Given its borrowing and lending mechanics, the token is already being viewed as a serious candidate for sustained utility once live trading begins.
Furthermore, Mutuum Finance is designing its platform with dual market options. The peer-to-contract model delivers pooled, instant liquidity, while the peer-to-peer market enables customized lending agreements.
This dual approach provides both scalability and flexibility, broadening the platform’s appeal in a crypto market where yield and access to capital remain core drivers. Investors studying crypto charts and crypto predictions are increasingly eyeing MUTM as a project capable of delivering sustained returns.
Investors Shift Toward DeFi Potential
The growing excitement around XRP highlights how liquidity catalysts and ETF speculation can boost altcoin prices. However, many crypto investors are now evaluating which crypto to buy today for long-term value creation.
While XRP’s short-term action depends on ETF decisions and lending flows, Mutuum Finance (MUTM) is advancing toward launch with strong presale traction, clear protocol development, and community incentives. Its blend of security measures, lending design, and market incentives places it firmly in focus as the best crypto to invest in next.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: <https://linktr.ee/mutuumfinance](https://linktr.ee/mutuumfinance)
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This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.
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