XRP whale holdings have recently reached their lowest point in close to 3 years, which can indicate a noticeable change in sentiment. The alt coin that had tried its luck in the past weeks couldn’t find momentum after failing to break the descending wedge pattern.
The subsequent lagging in the price of XRP is adding to worries about a weakening support of the altcoins cost from big investors. As a result, it seems many whales are shifting capital into more promising newer projects with better qualities in terms of fundamentals and utility over time, and at the forefront seems to be Mutuum Finance (MUTM).
XRP Holders Reduce Exposure
Over the past days or so major XRP holders have been gradually paring down their portfolios. Wallets containing 100,000 and 1 million XRP sold more than 100 million tokens combined over the course of only ten days.
This sharp drop down to roughly $300 million worth of whales represents the lowest level of whale ownership since late 2022. It reflects a general hardening of hearts among the major investors, who appear to be noncommittal to short-term volatility.
In addition, onchain data highlights this retreat. The Realized Profit/Loss Ratio has risen to a two month high and indicates that investors are selling into (temporary) price strength instead of waiting for possible gains. Such behavior is symptomatic of general uncertainty on the broader crypto market.
As selling pressure increases, XRP risks sliding further, possibly testing new support levels near $2.85. This trend reinforces why many investors are diversifying their crypto investment portfolios toward assets offering stronger growth narratives.
Mutuum Finance (MUTM) Gains Whale Interest
In contrast, Mutuum Finance (MUTM) is drawing considerable attention from the same investor class now exiting XRP. Phase 6 of the Mutuum presale is currently underway and 60% filled, indicating robust demand. The project has already raised $16,900,000 since its presale began and attracted 16,770 holders.
The current token price sits at $0.035, up 250% from the first phase’s $0.01 entry. As this phase sells out quickly, investors are eyeing the next stage, where the price will rise by 14.3% to $0.04 before the token launches at $0.06. Those joining at today’s level could see around 400% returns after launch.
Mutuum Finance has announced progress on its lending and borrowing protocol, which is advancing toward its V1 Sepolia Testnet in Q4 2025. This initial rollout includes core components such as the liquidity pool, mtToken, Debt Token, and Liquidator Bot.
Early integrations will support ETH and USDT for lending, borrowing, and collateral functions, offering real, functional use cases that appeal to long-term investors seeking stable yield opportunities.
Inside Mutuum Finance Utility
The dual-market approach used by Mutuum Finance combines peer-to-peer (P2P) and peer-to-contract (P2C) technologies. fast pooled liquidity is made possible by the P2C market, giving borrowers fast access to money and savers the opportunity to earn interest. Because the P2P market accommodates customized loan arrangements, consumers may directly negotiate rates, duration, and collateral ratios that suit them. This adaptability maximizes user autonomy while balancing liquidity.
In addition, Mutuum’s liquidity management framework uses a dynamic borrow interest rate model to keep the ecosystem balanced. When capital is abundant, rates stay low to encourage borrowing, while scarcity prompts higher rates to draw new deposits and stabilize liquidity.
The platform also features overcollateralization, ensuring that positions remain secure even during market downturns—a crucial safeguard amid fluctuating crypto prices today.
Security And Community Initiatives
Mutuum Finance has finalized its CertiK audit, earning a 90/100 token score that reflects a strong security posture. The team has also launched a Bug Bounty Program with CertiK, allocating $50,000 USDT in rewards across four severity tiers, from critical to low. This step reinforces the platform’s commitment to continuous security enhancement.
Adding to its community incentives, Mutuum recently introduced a leaderboard dashboard showcasing the top 50 holders, who will receive additional MUTM bonuses for maintaining their positions.
Moreover, to celebrate the ongoing presale, the project is hosting a $100,000 MUTM giveaway, rewarding 10 winners with $10,000 each. Participants need to submit their wallet address, complete all listed quests, and ensure a minimum $50 investment to qualify.
Whales Shift Toward Utility-Focused Tokens
As XRP’s large investors exit amid stagnating prices, their capital appears to be finding a home in projects like Mutuum Finance. Unlike older altcoins struggling with momentum, Mutuum offers tangible on-chain use cases and transparent growth. The platform’s active presale, growing holder base, and upcoming product deployment in 2025 underscore why it is increasingly viewed as the best crypto to invest in now.
Mutuum Finance (MUTM) is not just attracting retail investors—it is steadily positioning itself as a new focal point for crypto investing in a market seeking renewed confidence. The declining XRP whale holdings highlight a broader shift toward functional DeFi projects offering clear value, and Mutuum Finance is leading that charge.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
