Ripple (XRP) Whale Holdings Drop to 3-Year Low: What’s Next for XRP Price as Mutuum Finance (MUTM) Brings Fresh Momentum to DeFi?

As Ripple (XRP) whale holdings plummeted to a three-year low, indicating lower holding from large investors, the excitement in the crypto market right now is about Mutuum Finance (MUTM). At only $0.035, Mutuum Finance has had its Stage 6 presale reach more than 60% sold, commanding both retail and institutional interest. 

Its dual lending paradigm and smart contracts qualify it as a high-utility, early-stage altcoin with the potential to outperform older, established tokens. While XRP struggles with whale sell pressure, Mutuum Finance is rapidly becoming investors’ top choice project for genuine growth and access to the next generation of DeFi innovation.

XRP Suffers as Whale Sell-Off Indicators Point to Dying Breath

XRP’s recent push came to a halt as soon as the cryptocurrency couldn’t break above its descending wedge pattern, with price action stuck in limbo around $2.94. Whales holding 100,000 to 1 million XRP have sold more than 100 million tokens in the past 10 days, a $300 million sell-off that has reduced large holdings to their lowest level since roughly 34 months ago. 

This crisp cut in accumulation is a harbinger of growing wariness among large investors, and the altcoin can expect further losses to $2.85 or even lower if bearish momentum continues. While XRP struggles with dwindling whale support and flatlining momentum, attention in the crypto community is increasingly being targeted at Mutuum Finance (MUTM) with robust utility, real-yield dynamics, and early-stage growth potential that many investors find an appealing alternative to stale altcoins. 

Mutuum Finance Presale Momentum Gains Speed

Mutuum Finance is gaining immense hype in its presale stage, having already raised in excess of $16.9 million and on-boarded over 16,770 investors. Its Phase 6 tokens are being sold at $0.035 each, which indicates rising demand and faith in the project.

In recognition of the early adopters, Mutuum Finance has launched a $100,000 giveaway in which 10 users will be given $10,000 each in MUTM tokens, boosting early adoption and participation.

The protocol features a floating interest rate mechanism that aims to maximize the utilization of liquidity. Loan participation and borrowing are incentivized during favorable conditions with high liquidity and low interest rates, whereas loan repayment and fresh capital inflow are encouraged in high-demand and high-interest rate scenarios. Fixed-rate mechanisms perform well under stable liquidity levels, naturally adjusting to market fluctuations without compromising overall ecosystem balance.

Mutuum Finance Reveals Lending & Borrowing Protocol

Mutuum Finance is gearing up to launch a lending and borrowing protocol, a huge milestone in expanding its decentralized finance ecosystem. Version 1 (V1) will be launched on the Sepolia Testnet during Q4 2025 with features such as a liquidity pool, mtToken, debt token, and liquidator bot.

ETH and USDT will be the starting cryptocurrencies supported for borrowing, lending, and collateralization, providing users with a secure, efficient, and seamless DeFi experience on launch.

For accurate pricing and risk management, Mutuum Finance makes use of Chainlink oracles to retrieve real-time USD and base crypto prices, including ETH, MATIC, and AVAX. Fallback oracle mechanisms, composite data feeds, and decentralized exchange TWAPs are utilized by the platform in a bid to present high-quality, consistent valuations even in the presence of situations of unprecedented illiquidity or stress in the markets.

Mutuum Finance Breaks Ground as XRP Whale Support Dries Up

As Ripple (XRP) wrestles with its lowest whale positions in three years, its price momentum is under pressure, and investors are turning to alternatives with more potential for upside. Enter Mutuum Finance (MUTM), a $0.035 utility-focused DeFi project whose Stage 6 presale is over 60% sold with 16,770+ investors and $16.9 million raised. 

With its two-way lending framework, real-yield mechanics, and non-custodial smart contracts, MUTM offers a safe, scalable, and new DeFi opportunity. Its upcoming lending and borrowing protocol on Sepolia Testnet, supported by ETH and USDT collateral and robust Chainlink oracle integration, makes it an enticing alternative for investors who want to be on the leading edge of the next generation of DeFi innovation while XRP faces headwinds.

For more information regarding Mutuum Finance (MUTM) please use the following links:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance