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The cryptocurrency market is moving into a very busy season. Some older projects are trying to keep their value while new tech starts to take over. This week, two names are leading the headlines. Ripple (XRP) is fighting to find a safe floor as price pressure builds up.
At the same time, Mutuum Finance (MUTM) is reaching a major milestone. Its V1 protocol is now live for testing. This change shows a shift in what investors want. People are looking for more than just a name. They want tools that work.
Ripple is one of the most famous names in the digital world. Right now, its price is sitting near $1.41. It has a total market cap of about $82 billion. This makes it a top ten coin. However, things were much different last year.
In July, XRP had a massive surge. It hit a high of $3.65. People were very excited because a long legal battle had finally ended. It looked like nothing could stop the growth.
But that excitement has cooled down a lot. Many experts are now worried about the next few years. Some price predictions for 2026 and 2027 look quite bad. Analysts at major firms suggest the price could fall back toward $1.00 or even lower.
They believe the market is losing interest in coins that do not offer enough daily use. This has put a lot of pressure on the $1.35 floor. If the price falls below this line, it could mean a very long path to recovery.
While Ripple is fighting to hold its ground, Mutuum Finance is seeing a lot of new energy. The project is currently in its early stages and the price is $0.04. The team has already raised over $20.6 million from more than 19,000 investors.
This is a huge amount of support for a project that is just starting. The goal of Mutuum Finance is to build a modern lending and borrowing hub. They want to make a system where you can use your crypto to get loans without a bank.
The project has a total of 4 billion tokens. Almost half of these are for the community. This ensures the project stays in the hands of the people. They are building a "non-custodial" system. This means you always keep control of your money.
You do not have to trust a middleman. The team is also planning to launch a stablecoin. This would be a digital dollar backed by assets. This gives people a safe way to store value while they use the lending tools.
Many people are moving their money from XRP into newer projects like Mutuum Finance. There are several reasons for this move. XRP has some big limitations. Its main job is to help banks send money across borders. But banks do not actually have to hold the XRP token to use the network.
This means the token does not always go up in value when the network is used. In the last six months, XRP lost a huge chunk of its market cap. It fell by nearly 50% from its peak. This happened because investors realized that the hype did not match the actual use of the token.
In contrast, Mutuum Finance just launched its V1 protocol on the testnet. This is a major technical win. It shows that the project is not just a plan on paper. The V1 launch allows people to test how the lending pools work. It features "mtTokens" which help track interest in real-time.
It also includes a "Health Factor" tool. This tool tells you if your loan is safe or if you need to add more money. These are real tools that people can use every day. Investors like to see this kind of progress. They are moving away from old names and toward projects that are building the next generation of finance.
The market is showing us that utility is the most important thing. Ripple is a strong name, but it is struggling to keep its early gains. The loss of market cap over the last six months shows that "holding on the past" is risky.
On the other side, the $20.6 million raised by Mutuum Finance shows where the smart money is going. The launch of the V1 protocol proves that the team is focused on code and security. As we move closer to the end of the year, the gap between old coins and new crypto protocols will likely grow. People want to be part of the future, not just watch the past fade away.
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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Disclaimer: Analytics Insight does not provide financial advice or guidance on cryptocurrencies and stocks. Also note that the cryptocurrencies mentioned/listed on the website could potentially be risky, i.e. designed to induce you to invest financial resources that may be lost forever and not be recoverable once investments are made. This article is provided for informational purposes and does not constitute investment advice. You are responsible for conducting your own research (DYOR) before making any investments. Read more about the financial risks involved here.
