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The past few days have been rough for XRP and ADA. At the same time, most of the market has held up quite well. XRP is down over 8% in the past month.

It has seen a markedly steep decline. However, it remains about the $2 market, where it has hovered for the past few weeks.

The faltering performance of XRP comes amid a recent update from the SEC, after it was announced that the case against Ripple Labs had been put on pause.

Meanwhile, most of the market had been hoping for an outright dismissal, as has happened with other companies in the crypto world.

That would suggest there are behind-the-scenes negotiations, which have triggered some panic instead of confidence.

Cardano (ADA) has also struggled recently, dipping over 7% in the past week.

The token has fallen clean through various support levels. While there have been signs of a recovery, that momentum quickly petered out.

The trend is in line with global risk-off behavior across the market, especially after Trump hinted the US might be headed into open conflict with Iran.

Amid this downward trend for XRP and ADA, investors are seeking out opportunities for growth elsewhere.

One of the main beneficiaries of this trend is Mutuum Finance (MUTM), which has seen a massive surge in presale participation.

The Muuum Finance (MUTM) project is utility-based, which has proven to be a major puller in this season.

As the market moves away from more unstable assets like meme coins, utility-based projects like Mutuum Finance (MUTM) are the main beneficiary.

According to analysts, this trend could lead to 25x or more gains for MUTM tokens when they go live.

Mutuum Finance (MUTM) is a decentralized non-custodial protocol that allows users to deposit their assets to earn passive income in the form of interest payments.

The interest rate in the protocol’s pools is based on a pool utilization rate. To determine the utilization rate in a pool, the protocol measures the value of assets that are being actively borrowed versus the total value of the pool.

On the protocol, users can also participate as borrowers by depositing overcollateralized collateral to secure loans.

As borrowers, they have the benefit of gaining access to high-value assets without having to spend their current holdings.

That way, they can benefit from market opportunities in real time with these high-value assets. When they are ready, they can repay their loans and regain access to their assets.

To protect the long-term stability of the ecosystem, Mutuum Finance (MUTM) features various protocol parameters designed to deal with price volatility.

For instance, there is the loan-to-value (LTV) ratio, which determines the maximum amount a given asset can borrow.

Overall, assets with high volatility tend to have more conservative terms due to their potential to cause insolvency.

The protocol also implements the liquidity threshold, which determines the level at which a loan is considered undercollateralized.

When it approaches this level, a borrower has the option to top up their collateral to push the limit back up. If they do not, liquidators step in and purchase part of the debt, or all of it at a discount.

Another protective measure used in the protocol is the reserve factor. This is where a portion of the interest payments by borrowers goes into a common pool.

These funds are used to ensure the long-term stability of the ecosystem. For more unstable assets like meme coins, the reserve factor can be set as high as 35%.

Meanwhile, more stable assets like meme coins can get a reserve factor of 10%.

Mutuum Finance (MUTM) is currently in phase 5 of its presale.

Tokens in this phase are going for $0.03 per token, a 200% increase from the phase 1 price of $0.01. In the upcoming phase 6, the token price will go up by 16.67% to $0.035.

So far, over $10.95 million has been raised in the ongoing presale from around 12,350 buyers.

At the current price of $0.03, buyers are getting their tokens at a 50% discount off the listing price of $0.06. 45% of the presale tokens set aside for phase 5 have already been sold, barely two weeks after it launched.

That means the opportunity to make a 100% guaranteed ROI is quickly diminishing.

To further sweeten the deal, Mutuum Finance (MUTM) has organized a $100,000 giveaway for presale buyers. Ten lucky winners will each receive $10,000 worth of MUTM tokens.

To qualify for this giveaway, you only need to purchase $50 worth of MUTM tokens in the ongoing presale.

The massive giveaway, coupled with a 50% discount on the price of MUTM tokens, makes this the must-have project of 2025.

It is especially so considering the analysts’ forecast of a 25x gain once the tokens go live. You do not want to be left out of this wonderful opportunity.

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

Website: https://www.mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance

The post MUTM quietly builds 25x momentum while XRP and ADA see sharp drops appeared first on Invezz

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