XRP dipped below $2.20, despite its integration with Wormhole, a cross-chain bridge enhancing interoperability with other blockchains. The price decline, trading around $2.10-$2.15, reflects market volatility and profit-taking, overshadowing Ripple’s ecosystem growth and institutional inflows. Meanwhile, Mutuum Finance (MUTM), in its Phase 5 presale at $0.03, has raised $11.9M, offering 100% ROI at its $0.06 launch and potential 150%-8,233% gains to $2.50-$5, making it a compelling DeFi investment with its dual-lending model. What followed was telling: instead of doubling down, several large wallets started rotating out of XRP—many into a fast-rising DeFi protocol still trading at just $0.03.
That project is Mutuum Finance (MUTM). With over $11.90 million raised and 12,900+ holders, this new entry in decentralized lending is gaining traction rapidly during its Phase 5 presale. And with 65% of this phase already sold, the window to get in early is narrowing by the hour.
This $0.03 Token Could Be Worth 20x More Next Year
Momentum is building. Analysts tracking DeFi flows have already flagged a significant XRP whale who recently shifted $220,000 into Mutuum Finance (MUTM). Their reasoning is simple: if the token surges 20x post-launch, that single allocation would be worth $4.4 million—an outcome that’s not just theoretical, but increasingly likely as DeFi adoption ramps up in Q4 and into 2026.
Even a smaller investor today could position for a life-changing upside. At the current $0.03 price, a $5,000 investment in Mutuum Finance (MUTM) would secure approximately 160,000 tokens. When MUTM hits the forecasted 20x post listing, those tokens would be worth $100,000. That’s the kind of early-mover advantage that only exists at the presale stage—and with 65% of Phase 5 already sold, the next price jump to $0.035 is around the corner.
Every phase increase narrows the upside for new entrants, and those watching from the sidelines now risk missing the kind of early momentum that defined winners like AAVE and COMP in previous DeFi cycles.
To bring attention to the presale, Mutuum Finance (MUTM) is currently running a $100,000 giveaway, attracting new users daily and adding to its fast-growing community. And with plans to integrate multi-chain expansion and institutional partnerships by Phase 4, the upside is matched by a clear vision for growth.
Why DeFi Traders Are Flocking to Mutuum Finance (MUTM)
While XRP remains focused on institutional corridors and long regulatory battles, Mutuum Finance (MUTM) is building a permissionless yield engine that retail traders can actually use. At the heart of the protocol lies a dual lending structure—Peer-to-Contract (P2C) and Peer-to-Peer (P2P)—offering users full control over how they lend, borrow, and earn.
What makes this more than just another DeFi platform is the way mtTokens work. These interest-bearing tokens are minted instantly when a user deposits assets into a lending pool. Suppose a user deposits $18,000 in USDC. They receive mtUSDC on a 1:1 basis, which automatically accrues yield, depending on the utilization rate of the pool. With average APYs ranging from 14% to 17%, that deposit can passively generate over $2,700 per year, without the user lifting a finger or actively managing the position.
And that’s just one layer. The platform’s staking module is engineered for real revenue sharing. Once the mainnet is live, a portion of protocol earnings will be used to buy back MUTM tokens on the open market and redistribute them to mtToken stakers. This introduces real demand pressure on the token, while offering stakers a cut of platform success. With every transaction on the protocol, the ecosystem grows stronger—and so do the returns for those positioned early.
While XRP continues to focus on legacy finance integrations, Mutuum Finance (MUTM) is quietly setting up the next generation of yield-focused DeFi. Its treasury-backed stablecoin, mtToken passive rewards, and a dynamic reward structure through buybacks and staking make it a real contender for serious returns.
The choice is becoming clearer by the day. With over 65% of Phase 5 already sold, those securing tokens at $0.03 are locking in a price point that may disappear within days. Once Phase 6 begins, the cost per token rises to $0.035—a 16.6% increase that immediately shrinks entry multiples for latecomers.
One early observer of the project admitted they passed on Mutuum Finance (MUTM) back when it was just $0.02 in Phase 3, unsure if it would gain traction. Today, that same person is watching the community grow, the protocol expand, and the price edge up—with a painful realization: their $3,000 hesitation then could already be worth over $4,500 now, before any centralized exchange listing even happens.
This summer, the smart play isn’t where the spotlight used to be. It’s where the next wave of growth is going. And right now, Mutuum Finance (MUTM) is clearly on that path—combining real lending utility, audited contracts, and a price structure designed to reward those who act, not those who wait.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
The post XRP (XRP)’s Wormhole Integration Fails to Stop Price Dip, Traders Turn to a Sub-$0.05 DeFi Play Instead appeared first on Blockonomi.
Source: https://blockonomi.com/xrp-xrps-wormhole-integration-fails-to-stop-price-dip-traders-turn-to-a-sub-0-05-defi-play-instead/