Coinbase’s dramatic reduction of its XRP holdings—reportedly cutting exposure by more than 80%—has sent shockwaves through the crypto market. XRP, once hailed as a leader in cross-border transactions, is struggling to maintain momentum, and traders scanning crypto charts are beginning to ask why is crypto down when it comes to legacy coins that no longer command investor excitement. The selloff has also highlighted the growing appetite for projects offering both innovation and utility. Among the most promising names attracting fresh capital is Mutuum Finance (MUTM), a DeFi lending and borrowing protocol currently in presale that is being discussed as a candidate to outperform XRP before 2026 ends.
Coinbase Dumps 83% XRP
Coinbase, a leading crypto exchange, sold off 83% of its XRP holdings recently, contributing to a 5% price drop to ~$2.66, with a 24-hour trading volume of $5.02 billion. The massive sell-off, totaling approximately $500 million in XRP, sparked market concerns about liquidity and institutional sentiment. Technical indicators show XRP testing $2.65 support, with RSI at 50 and resistance at $2.80. Despite ETF approval odds at 95% and whale accumulation of $1 billion, macro pressures like U.S. tariffs and broader market volatility weigh on sentiment. Social media reflects mixed reactions, with some anticipating a rebound driven by regulatory clarity. Analysts project a $3.00 target if $2.80 clears, but a drop below $2.65 risks $2.40.
Mutuum Finance (MUTM): Why Investors Are Shifting Toward Mutuum Finance (MUTM)
Unlike XRP, which is increasingly reliant on speculation, Mutuum Finance (MUTM) is introducing practical financial services that mirror real-world banking functions in a decentralized format. Through its Peer-to-Contract (P2C) model, investors can deposit assets like USDT, USDC, ETH, or BTC into audited liquidity pools. Borrowers then take loans against these pools by posting overcollateralized collateral. For example, a depositor who supplies $15,000 worth of USDC would receive mtUSDC tokens, representing their share of the pool. With lending rates that can average around 15% APY depending on utilization, this investor would earn about $2,250 annually—without ever having to sell their initial holdings.
For assets considered more volatile—such as DOGE, SHIB, or PEPE—the platform will employ a Peer-to-Peer (P2P) approach. This allows lenders and borrowers to directly negotiate interest rates and repayment terms, keeping these riskier tokens separate from the main liquidity pools. By isolating high-risk markets, Mutuum Finance (MUTM) protects its core structure while still giving users opportunities for higher returns. This layered system ensures stability, even in unpredictable market conditions.
A key factor driving confidence is the way Mutuum Finance (MUTM) manages market volatility and liquidity. Effective liquidation processes are critical to protecting solvency, and the protocol is designed with parameters that prioritize stability. For instance, highly liquid assets like ETH or stablecoins can support Loan-to-Value (LTV) ratios up to 75% with liquidation thresholds at 80%. More volatile tokens are capped lower, at 35–40% LTV and liquidation thresholds closer to 65%. This framework ensures that even during sharp downturns, distressed positions can be resolved without creating cascading losses. To further enhance resilience, the protocol offers stronger incentives to liquidators when asset liquidity is limited, ensuring coverage remains strong across all conditions.
Each asset is also assigned a reserve factor based on risk, ranging from 10% for safer tokens to as high as 38% for volatile ones. These reserves act as a buffer against defaults and sudden shocks, preserving long-term trust in the system. With such thoughtful safeguards in place, Mutuum Finance (MUTM) provides a clear advantage over assets like XRP that lack built-in mechanisms to respond dynamically to volatility.
Presale Strength and the Road Ahead
The presale performance of Mutuum Finance (MUTM) reinforces its growing reputation. In Phase 6, the project has already raised approximately $15.6 million, with over 16,200 holders onboard. The token is priced at $0.035, and 38% of the 170 million tokens allocated for this phase have been sold. Phase 7 is around the corner and will lift the price by 15% to $0.040, marking the final chance for buyers to secure MUTM at today’s discounted rate.
Early participants have already benefited substantially. One investor who swapped ADA for MUTM back in Phase 1 has multiplied their position several times over by Phase 6. With the token set to list at $0.06, these early entries already reflect significant gains, fueling further demand. It’s a powerful reminder that those who act decisively in presale phases often capture the steepest growth.
Backing this momentum is a strong focus on security and transparency. The project has passed a CertiK audit with a Token Scan Score of 95 and a Skynet Score of 78. On top of that, Mutuum Finance (MUTM) has launched a $50,000 bug bounty program to identify vulnerabilities, with rewards up to $2,000 for critical findings. Community-building incentives are also in play, with a $100,000 giveaway where ten winners will each receive $10,000 worth of MUTM tokens. Such efforts highlight the team’s commitment to strengthening both the platform’s safety and its community engagement.
Looking ahead, Mutuum Finance (MUTM) is preparing for a beta launch around the time of its token listing. This rollout will allow users to directly interact with the lending and borrowing features, providing firsthand experience of the platform’s potential. Integration with Layer-2 solutions will cut transaction costs and significantly boost speed compared to older Layer-1 chains, while the development of a native stablecoin will further expand utility. Importantly, discussions about listings on top-tier exchanges suggest visibility and liquidity will expand dramatically after launch.
Conclusion
The projected listing price of $0.06 is seen as just the start. With strong presale demand, a solid roadmap, and mechanisms that channel protocol revenue back into MUTM’s ecosystem, analysts expect this token to scale toward $5 before 2026 ends. Where XRP struggles to find new momentum, Mutuum Finance (MUTM) is providing exactly the type of innovation and real-world utility investors are seeking.
As traders debate crypto ETF performance and wonder why is crypto down for legacy assets, the reality is clear: the future lies in projects like Mutuum Finance (MUTM) that combine growth with practical value. Coinbase’s XRP dump was more than a warning—it was a signal for investors to look forward, and right now, Mutuum Finance (MUTM) is where that future begins.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuu