SEC may approve XRP ETFs, but retail traders hunt the best cheap crypto for 100x ROI

The crypto market is once again about to reach a big goal. The SEC is getting ready to approve XRP spot ETFs, and the industry is excited about what this may imply for institutional adoption. Once the green light is given, analysts think that big investors will put money into Ripple’s ecosystem, which will add another chapter to its tale. Wall Street is interested in ETFs, while retail traders are looking for something else. People in forums, Telegram groups, and Discord communities aren’t talking about institutions; they’re talking about which inexpensive crypto has the best possibility of making 100X its value by 2026. More and more, the answer is Mutuum Finance (MUTM) , a presale DeFi initiative that costs only $0.035. SEC nears approval of XRP spot ETFs The U.S. Securities and Exchange Commission (SEC) is said to be close to giving the go-ahead for spot XRP exchange-traded funds (ETFs) as of September 4, 2025. This would raise the price of XRP to about $2.86, with a trading volume of $6.2 billion in 24 hours. The chances of approval are 95% because the SEC dropped its case against Ripple in August 2025, confirming that XRP is not a security for retail sales. Applications from firms like Bitwise, Franklin Templeton, and Grayscale are under review, with final decisions expected by October 2025. Technical indicators show XRP testing $2.80 support, with RSI at 53 and resistance at $3.00. Social media reflects strong optimism, fueled by whale accumulation of $1 billion. Analysts project a $3.64 target if $3.00 clears, but macro pressures like U.S. tariffs pose risks. A drop below $2.80 could test $2.65. Retail focus shifts to MUTM It’s not hard to see why people are drawn to it. XRP’s price of $2.80 shows that it is stable, but that also suggests that it won’t increase as quickly in the future. Mutuum Finance (MUTM), on the other hand, is a unique combination of usefulness, scalability, and a low entry price. Mutuum Finance (MUTM) is different from other speculative tokens that are only based on hype. It has established a whole system around borrowing and lending that will go live with the launch of its token. That includes a beta version of its platform, which means that users will be able to utilize a functional product right now instead of having to wait years for it to be finished. MUTM’s Layer-2 architecture is what makes it so appealing. Transactions will be quicker and cheaper than on existing Layer-1 networks, which have problems with congestion and excessive costs. This implies that regular clients will have cheaper and smoother interactions. This means that institutions may grow without giving up security. That mix will be the foundation of Mutuum Finance (MUTM)’s ecosystem, where its lending engine, stablecoin mechanisms, and liquidity protections all work together. This design has already gotten a lot of attention. Mutuum Finance (MUTM) has raised $15.4 million in Phase 6 of its presale, and more than 16,100 people now possess the currency. At $0.035, 33% of the supply for this phase has already sold. The price will go up by 15% in Phase 7. The project has passed a complete CertiK audit with a Token Scan Score of 95.00. It also initiated a giveaway of $100,000 to anyone who bought tokens in a specific window. For investors who got in early, gains are already well over 100%. Buyers who get in now are making sure they get in before the next leg up. Mechanics that justify 100x The way Mutuum Finance (MUTM) is set up makes it more than just a risky play. With the project’s Stable Interest Rate Model, borrowers will be able to lock in their payback expenses. This level of predictability draws in not just individual traders but also treasuries and funds that want to manage long-term risk without abrupt shocks. The system will rebalance whenever variable rates go up more than 10% over stable rates. This makes sure that lenders are always paid fairly. The reserve factor also sends some of the borrower’s interest to a treasury pool. This treasury acts as a safety net when markets are unstable, and over time, it will increase the value of tokens. Deposit and borrow caps give another layer of security by making sure the protocol doesn’t go too far with risky or illiquid tokens. Mutuum Finance (MUTM) is stable even when the rest of the market goes down by carefully setting limitations. This way of doing things is important in a place that is often unstable. Like XRP needs ETF clearance to get institutional flows, Mutuum Finance (MUTM) is building a system that will create demand naturally through real use. The plan shows a staggered deployment, starting with beta testing when the token is listed and then expanding to further DeFi connections. Each phase builds on a proven framework, which keeps projects from making mistakes by moving too quickly without risk controls. For traders who want to know the difference between hype and conviction, this tiered strategy is the key. These are the basic facts that analysts are using to make their predictions of a 100x return on investment by 2026: actual usefulness from launch, built-in protections that make people feel protected, and listings on Binance, Coinbase, KuCoin, Kraken, and MEXC are all expected. The outcome is a project that has the same type of early-stage confidence that Ethereum’s early investors had. Before it’s too late The crypto market moves quickly, and history suggests that regular investors often wish they had invested sooner. XRP’s ETF clearance will definitely make headlines and affect crypto prices in the short term, but traders looking for life-changing returns are already buying MUTM in presale. The urgency is clear: this is the final opportunity for investors to get in before a planned 15% price rise, and more than a third of the stock is already gone. Mutuum Finance (MUTM) doesn’t simply guarantee growth; it also has a whole economic plan to keep it going. It is setting itself up to be the breakout DeFi project of this cycle with its Layer-2 backbone, dependable borrowing mechanics, and strong reserve safeguards. If you’re thinking about investing in crypto for 2026, the decision is becoming apparent. As the SEC makes its final judgment on XRP’s ETF, individual traders are buying into the presale that analysts claim may provide them a 100x return on their investment. XRP may stay in the news because of its stability, but Mutuum Finance (MUTM) is getting ready to take over the future of DeFi. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post SEC may approve XRP ETFs, but retail traders hunt the best cheap crypto for 100x ROI appeared first on Invezz