Ripple’s XRP has made headlines once again, surging past the $3 mark for the first time this September. Traders welcomed the move as proof of resilience in a shaky market. Yet behind the celebrations, analysts are questioning XRP’s long-term growth potential. That has led many investors to look elsewhere for bigger upside, with Mutuum Finance (MUTM) , a DeFi project, emerging as a contender for 2025’s breakout token. Ripple (XRP) September breakout XRP jumped 4.15% to $3.02, shattering the psychological resistance level that had restrained its performance this year. Optimism around a potential Fed rate cut and news of an expanded custody partnership with Spain’s BBVA provided the momentum. For market participants, XRP’s break above $3 served as vindication following an extended consolidation phase. Still, many analysts caution against overstating the move. XRP carries a massive market capitalization, meaning that while it can deliver steady gains, the explosive returns of its early surges are far less likely to repeat. This is why some investors are gradually shifting their focus toward lower-cost utility tokens with greater room to scale. Adding to the cautious outlook, on-chain metrics reveal potential pressure points. Exchange reserves are swelling, signaling that more XRP is being parked on trading platforms, which could translate into selling pressure. Meanwhile, Total Value Locked (TVL) on the XRP Ledger is declining, a worrying sign for DeFi traction. Even Google search interest has dropped, suggesting retail enthusiasm is fading just as the token pushes past resistance. The takeaway? XRP’s September rally is impressive, but questions remain about its ability to sustain momentum in the long run. Mutuum Finance (MUTM) While XRP wrestles with growth limitations, Mutuum Finance (MUTM) is attracting investors with its early-stage entry. The token launched its presale at just $0.01 and has since surged to $0.035, a 350% gain. With the confirmed official launch price of $0.06, buyers at today’s level are still looking at nearly 2x upside before open-market trading begins. Momentum has been clear: the project has already raised more than $15.65 million and welcomed over 16,250 holders into its community. Each presale stage increases the price, and the next phase is set to climb to $0.04, almost a 20% jump from current levels. For investors, this creates urgency: secure a position now, or pay a higher entry cost in the next round. Analysts call MUTM the best cryptocurrency to invest in now What’s separating Mutuum Finance from other presale tokens is its utility-first model. Instead of leaning on meme-driven cycles, MUTM is structured as a lending and borrowing protocol. The platform supports both peer-to-contract (P2C) lending, where users deposit assets like ETH, BNB, or MATIC into liquidity pools and receive mtTokens in return, and peer-to-peer (P2P) lending, where agreements can be struck directly between participants with flexible terms. Borrowers can choose variable or stable rates, balancing predictability with cost-efficiency. The roadmap also sets Mutuum Finance apart. The beta platform will debut with the token listing, enabling users to access borrowing, lending, and staking immediately. Long-term, the protocol plans to integrate Layer-2 scaling to lower fees and improve transaction speeds, and deploy a robust oracle system using Chainlink feeds with fallback options to protect against outages or manipulation. Security is another cornerstone. Mutuum Finance has already completed a CertiK audit with a 95/100 Token score, launched a $50,000 bug bounty program, and announced a $100,000 community giveaway to build trust and broaden adoption. Together, these factors create both near-term catalysts and long-term sustainability, two ingredients analysts say are often missing in new projects. XRP’s rally above $3 this September underscores its resilience, but also exposes its limitations. Swelling exchange reserves, declining TVL, and fading retail enthusiasm highlight the challenges of driving exponential growth in such a high-cap asset. Mutuum Finance (MUTM) is still at the beginning of its journey, but momentum is already building fast. Presale gains have climbed past 350%, and the roadmap lays out clear milestones like a live beta platform, stablecoin integration, and L2 scaling. Together, these steps position MUTM to grow into a serious force within DeFi lending. For more information about Mutuum Finance (MUTM), visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post XRP cracks $3 in Sept rally, yet analysts say MUTM holds real long-term upside appeared first on Invezz
