Which crypto to buy today for short-term momentum? As XRP ETF rumors fade, another coin shows the growth XRP couldn’t

There was a lot of talk about XRP getting an ETF approval recently, but the buzz died down soon when the rumors stopped.

Traders looking at crypto prices today are looking for tokens that give them real short-term momentum instead of just short-term excitement.

Mutuum Finance (MUTM) is becoming the best choice at $0.035 because it is growing and getting traction that XRP has not been able to keep up with.

XRP ETF rumors fade amid regulatory delays

Ripple’s XRP fell 3.2% in the last week and is now worth about $2.74, with a trading volume of $5.02 billion in the last 24 hours.

The drop comes as reports of an anticipated approval of an XRP spot ETF faded.

The SEC has pushed back the review periods for submissions from Bitwise and Franklin Templeton to October 2025.

The RSI is at 51 and the resistance is at $2.95, which means that XRP is testing the $2.70 support level.

Even if the SEC dropped its case in August 2025, confirming that XRP is not a security and that whales have accumulated $1 billion, investors are still cautious because of macroeconomic factors like US tariffs.

People on social media are upset about the delays, but some are still hopeful that the project will get approved.

If $2.95 clears, analysts think the price will reach $3.20. But if it drops below $2.70, it might go as low as $2.50.

Mutuum Finance (MUTM): a stablecoin system that powers real momentum

Mutuum Finance (MUTM) is strong for more than only the excitement of the presale.

It is also constructing a stablecoin system that works in the real world.

This decentralized stablecoin will always try to stay linked to $1, and it will only be made when people borrow against collateral like ETH.

The stablecoin will be burned whenever the loan is paid back or sold, which will keep the amount in circulation.

The fact that the governance would actively regulate interest rates to keep the peg is what makes this idea strong.

When the price of the stablecoin goes above $1, borrowing rates will go down to make more of it available.

When the price goes below $1, borrowing rates will go up to limit the amount available.

Arbitrage traders will help keep prices stable, and all loans will be overcollateralized, with automated liquidations protecting the ecosystem.

This system makes the platform more stable and adds real depth to it. It gives actual transactional momentum that XRP’s ETF rumor cycle never did.

Traders who look at crypto charts know that this kind of built-in functionality helps both short-term and long-term growth.

Momentum is not just a theory. Mutuum Finance (MUTM) is already getting a lot of attention in its presale.

The project is now in Phase 6 and has raised $15.65 million from more than 16,200 holders. 38% of this phase has already been sold for $0.035.

The price of the token will go up to $0.040 when Phase 7 starts. This will make people who are trying to decide which crypto to buy today feel like they need to act quickly.

With a CertiK audit completed, a Token Scan score of 95, and Skynet monitoring in place, investors can approach the presale knowing that oversight and trust are central to Mutuum Finance (MUTM)’s approach.

The numbers prove that confidence is building strongly even before the platform goes live.

Catalysts driving near-term growth

Some tokens only depend on speculative cycles, but Mutuum Finance (MUTM) has multiple immediate triggers that make it a good choice for short-term investors.

The community will be able to test the platform directly during the future beta launch.

After the presale phases are over, there will be exchange listings. Soon, mtToken users will be able to stake their tokens and get MUTM.

The platform will also use treasury revenue to buy back shares on the open market.

This will help prices go up and reward loyal users.

When activity grows, these things work together to keep the token’s speed high, giving it the short-term boost that XRP needs.

Mutuum Finance (MUTM) is also working on one of the biggest problems in decentralized finance: making sure that assets are valued fairly.

The project proposes to employ Chainlink oracles to get reliable data feeds so that collateral prices are accurate.

If the main system has problems, backup oracles will be available. Aggregated feeds can also share risk among several sources.

Time-weighted averages and other decentralized exchange indicators will add another layer of confidence for assets that have a lot of liquidity on the blockchain.

This tiered strategy is meant to keep things stable in places where things change quickly.

It makes sure that the platform has clear, real-time pricing, which builds trust and boosts the short-term trading momentum that investors look for when they look at crypto charts.

Mutuum Finance (MUTM) isn’t just dependent on presale traction; it has a planned roadmap that shows how it will develop in the foreseeable future.

Phase 2 will be all about building the core smart contracts, the front-end dApp, and the infrastructure.

In Phase 3, there will be a testnet demo, tools for reporting bugs, and compliance with regulations.

In Phase 4, the live platform, token exchange listings, and relationships with institutions will all be available.

This phased execution guarantees that real development happens quickly once the presale concludes.

This clear roadmap makes the short-term entrance at $0.035 very appealing for traders who are wondering if crypto is a suitable investment right now.

Why MUTM is the smarter short-term play

Unlike the ephemeral rumors of XRP ETFs, Mutuum Finance (MUTM) is establishing a platform with actual momentum drivers, such as a stablecoin ecosystem, staking rewards, buybacks, and a definite development timetable.

With an entrance point of less than $1, $15.65 million raised, and the next price increase coming up quickly, it is the token with both credibility and short-term potential.

The answer is becoming evident for traders who are looking at crypto prices today.

XRP made people think, but Mutuum Finance (MUTM) brings traction, a strong presale, and new ideas. At $0.035, it is the better short-term bet.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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