For years, XRP has struggled to break and sustain above the $3.5 mark, leaving retail investors frustrated. Each rally has stalled at the same wall, and the capital flow is now shifting toward projects with clearer token demand mechanics and functioning DeFi models. This rotation is already visible in the presale of Mutuum Finance (MUTM) , a DeFi protocol aligning its token with real utility. The numbers are telling: with a total supply of 4 billion, Phase 6 has already generated around $16.6 million. At the current price of $0.035, more than 16,700 holders are on board, and 53% of this phase’s 170 million allocation is sold. The price in Phase 7 will rise by 15% to $0.040, creating urgency for those who want entry before the next leg up. Building stablecoin utility, lending demand and price discovery Mutuum Finance (MUTM) is being engineered as a dual-mechanic protocol where lending happens in two streams. Peer-to-Contract pools will handle stablecoins and blue-chip crypto coins, while Peer-to-Peer desks will serve riskier meme assets in isolation. This structure will keep the system robust while allowing yield opportunities across segments. What sets Mutuum Finance (MUTM) apart is its stablecoin innovation. A native $1-pegged stablecoin will be minted only against collateralized borrowing, governed by interest adjustments to ensure the peg remains strong. This mechanism adds an on-chain medium of exchange that supports both borrowing activity and long-term stability. Price discovery is central to healthy liquidations and reliable lending. Mutuum Finance (MUTM) will use Chainlink oracles as its primary feed, with fallback and aggregation layers included to prevent manipulation or errors. Accurate pricing ensures that collateral values are always correctly calculated, protecting lenders and borrowers during volatile swings. The lending mechanics show clear profit potential. For instance, a depositor adding $25,000 DAI into a P2C pool will receive mtDAI at a one-to-one rate. Utilization modeling projects an average APY around 14%, meaning this position will generate $3,500 over 12 months. On the borrower side, someone using $1,500 worth of ADA as collateral will access up to 65% loan-to-value in stablecoin, unlocking liquidity while staying long on ADA’s upside. P2P will also serve a role, offering isolated desks for tokens like FLOKI, SHIB, and PEPE, where direct lending agreements will function without exposing the main pools. Market volatility often sparks the question of why crypto is down during corrections, but Mutuum Finance (MUTM) is preparing answers in its infrastructure. Accurate price feeds paired with fallback oracles will shield users from false liquidations. Liquidation incentives will scale with on-chain liquidity to guarantee closeouts, while Layer-2 speed will minimize slippage and deliver smooth executions even in high-pressure market moments. The road to 1,000% returns beyond early gains Mutuum Finance (MUTM) is already up 250% from its Phase 1 launch, but analysts are looking ahead to much larger outcomes. The path to 1,000% rests on three demand drivers. First, rapid adoption is expected once the Beta launch goes live, as real platform usage and word-of-mouth will draw in both lenders and borrowers. Second, protocol revenue from borrowing and fees will drive buyback mechanics, where MUTM tokens will be repurchased and redistributed to mtToken stakers, ensuring continuous buy pressure. Third, expected listings on major exchanges such as Coinbase, combined with growing total value locked, will amplify liquidity and visibility. This foundation is backed by security milestones. A CertiK audit is underway, combining manual review with static analysis. Scores already include a TokenScan of 90 and a Skynet rating of 79. A 50,000 USDT bug bounty program is live, with rewards scaling from $200 for low issues to $2,000 for critical discoveries. A $100,000 giveaway is also running, awarding ten winners with $10,000 worth of MUTM each. The community now exceeds 12,000 followers on Twitter, and a live dashboard with a Top-50 leaderboard provides transparency for investors. Conclusion The growth math is already visible. A Phase 2 buyer who entered at $0.015 is now sitting on a 2.33x position at today’s $0.035 price. As the presale moves to $0.040 in Phase 7 and platform features roll out, price paths to $0.60 or even $1.50 are supported by protocol revenue and buybacks. For Phase 6 investors, this translates to 30x–100x outcomes, a realistic trajectory when paired with expanding demand drivers. The window is getting smaller because more than half of Phase 6 has already been sold. Mutuum Finance (MUTM) is positioning itself to be the next big brand in crypto investing. It gives you an opportunity to move on from assets that aren’t growing and into a token that has genuine use. This presale is the time to buy XRP if you want more than the delayed $3.5 ceiling. The price will go up again soon. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post After $3.5 failures, XRP retail flows into 250% gainer for 1,000% more appeared first on Invezz
