XRP rises 3% to $3.00, traders shift some exposure to $1 target altcoin

The crypto market will always reward traders who know when to rotate capital. As XRP climbs 3% to touch $3.00, the move will motivate profit-takers to look for higher upside in earlier-stage altcoins.

For many, that reallocation will move into Mutuum Finance (MUTM), a presale protocol trading at just $0.035 in Phase 6 that will build real DeFi cash flows, staking rewards, and a $1 target supported by strong fundamentals.

XRP rises 3% to $3.00

Ripple’s XRP climbed 3% over the past week, reaching ~$3.00 as of August 27, 2025, with a 24-hour trading volume of $5.7 billion.

The uptick follows the SEC’s lawsuit dismissal on August 7, affirming XRP’s non-security status for retail sales with a $50 million fine, and ETF approval odds hitting 95%. A $3 million raise for Doppler Finance’s XRP Ledger DeFi protocol adds bullish momentum. 

Technical indicators show XRP testing $3.00 support, with RSI at 58 and resistance at $3.20. Whale accumulation of $1 billion fuels optimism.

Analysts project a $3.64 target if $3.20 clears, but macro pressures like U.S.-China trade tensions pose risks. A drop below $3.00 could test $2.80.

Why traders will rotate into Mutuum Finance (MUTM)

Mutuum Finance (MUTM) will emerge as a decentralized, non-custodial liquidity protocol that will let lenders, borrowers, and liquidators interact through two distinct models: peer-to-contract (P2C) and peer-to-peer (P2P).

In P2C, liquidity providers will deposit assets into pools and earn interest dynamically based on utilization. For example, a trader who deposits $30,000 USDC into a high-utilization pool at 11.5% APY will earn $3,450 across the year, tracked by mtUSDC, which will automatically appreciate in value.

Borrowers will unlock liquidity while keeping exposure to their assets. An ETH holder posting $25,000 as collateral at a 70% loan-to-value will receive $17,500 in stable liquidity while remaining long ETH.

In P2P, custom deals will create tailored yield opportunities without draining pool liquidity. A lender allocating $2,400 in PEPE at 19% APY for 28 days will design the terms directly, and the isolated risk will not affect the main P2C pools.

These mechanics will allow Mutuum Finance (MUTM) to combine predictable interest from P2C with high-yield niche orders from P2P, creating balanced opportunities for both conservative and aggressive crypto investing strategies.

The core utilities will not end there. The protocol will introduce a governance-managed $1 stablecoin that will only be minted against overcollateralized deposits and will be burned on repayment or liquidation.

Governance will adjust borrowing rates to hold the peg, while arbitrage will help reinforce stability. Meanwhile, mtTokens will serve as 1:1 deposit receipts that will accrue value as interest compounds.

Holders will stake them in designated smart contracts to earn MUTM rewards funded by revenue-driven buybacks, ensuring long-term alignment between platform usage and investor returns.

Presale traction and roadmap

The Mutuum Finance (MUTM) presale is currently in Phase 6 at $0.035, already generating around $15.04 million with more than 15,800 holders onboarded.

About 28% of the Phase 6 allocation is already sold, with Phase 7 scheduled to increase the price to $0.040 — a 15% uplift. The total supply is capped at 4 billion tokens.

Security and credibility will remain central to the rollout. The CertiK audit has delivered a Token Scan Score of 95.00 and a Skynet Score of 78.00, combining static analysis with manual reviews.

Community incentives are equally strong, with a $50,000 USDT bug bounty program that will pay severity-based rewards, and a $100,000 giveaway that will split $10,000 each among ten winners.

The protocol’s official social presence has already attracted over 12,000 followers on X, pointing to a growing investor base.

The roadmap will unfold in four structured phases. The Intro stage will cover presale activity, auditing, and marketing.

The Build stage will roll out the core contracts, the dApp interface, and backend infrastructure. Finalize will focus on testnet beta releases, functional demos, multi-party security audits, presale completion, and exchange listing preparation.

Deliver will mark the live launch, listings, claim activation, institutional partnerships, and a multi-chain expansion strategy.

At the same time, the beta will go live alongside the listing, giving users hands-on access to minting, burning, lending, and staking while generating the first cycle of revenue that will power buybacks and MUTM redistribution.

A well-structured roadmap, coupled with early staking and lending flows, will allow Mutuum Finance (MUTM) to showcase its core mechanics to users the moment the token goes live — a rare delivery standard for early-stage crypto investing.

Why traders will target $1

The investment case becomes even stronger when profit rotation is taken into account.

A trader who allocated $4,000 from XRP into Mutuum Finance (MUTM) during Phase 1 at $0.01 will now sit at 3.5x in Phase 6 and will see a clear pathway to $1.

That trajectory will be supported by the protocol’s revenue-backed buy-and-distribute mechanism, mtToken staking flows, governance-driven stablecoin minting, and expected exchange listings on Binance, KuCoin, Coinbase, MEXC, and Kraken.

Each milestone will expand liquidity, boost trading visibility, and funnel more volume into the revenue streams that will sustain MUTM buybacks and staking rewards.

With XRP already delivering a 3% push, disciplined investors will continue rotating into projects with stronger upside.

Mutuum Finance (MUTM) at $0.035 in Phase 6 will represent one of the last opportunities to secure discounted entry before Phase 7 adds 15% to the cost basis.

With 28% of the phase already sold, the time window will be limited, and the pathway to $1 will remain firmly in focus for early participants in this presale.

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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