As whales give up on Ripple (XRP), the best cryptocurrency to buy right now

ChrisLarsen 2025-10-14 20:07 62236人围观 XRP

As whales give up on Ripple (XRP), the best cryptocurrency to buy right now The altcoin has tried to rise over the past few weeks, but failed to break out of a descending wedge pattern and ultimately failed to find its way to the upper...

The best cryptocurrencies to buy right now as whales give up on Ripple (XRP)

XRP whale holdings have recently fallen to near three-year lows, which could signal a significant change in market sentiment. The altcoin tried to move higher over the past few weeks, but failed to break out of a descending wedge pattern and ultimately failed to find upward momentum.

The subsequent decline in XRP price heightened concerns about weakening cost support for the altcoin from large investors. As a result, many "whales" appear to be redirecting their funds to new projects with greater promise, fundamentals, and utility, and the one at the forefront appears to be Mutuum Finance (MUTM).

XRP holders reduce risk exposure

Major XRP holders have gradually reduced their portfolios over the past few days. In just ten days, wallets holding 100,000 and 1 million XRP sold a total of more than 100 million XRP.

The value of whales has dropped sharply to about $300 million, the lowest level of whale ownership since late 2022. This reflects a general hard-heartedness among major investors, who appear unwilling to tolerate short-term volatility.

Additionally, on-chain data also highlights this pullback. The realized profit-to-loss ratio has risen to a two-month high, suggesting investors are selling on (temporary) price strength rather than waiting for a possible rise. This behavior reflects the prevailing uncertainty in the cryptocurrency market.

As selling pressure intensifies, XRP is at risk of falling further, potentially testing new support near $2.85. This trend is further evidence of why many investors are diversifying their cryptocurrency portfolios towards assets with stronger growth potential.

Mutuum Finance (MUTM) Gets Whale Favor

In contrast, Mutuum Finance (MUTM) is attracting significant attention from investors who are exiting XRP. Phase six of Mutuum’s pre-sale is currently underway and is 60% complete, indicating strong demand. Since the pre-sale began, the project has raised $16,900,000 and attracted 16,770 holders.

The current price of the token is US$0.035, an increase of 250% from the entry price of US$0.01 in the first period. Since the current issue of tokens sold out quickly, investors are focusing on the next issue, when the price will increase by 14.3% to $0.04, after which the token will be officially launched at $0.06. Investors who enter the market at the current price can expect a return of approximately 400% after the token is launched.

Mutuum Finance has announced its lending agreement as the company moves towards its V1 Sepolia testnet in Q4 2025. This initial launch includes core components such as liquidity pool, mtToken, Debt Token and Liquidator Bot.

Early integrations will support lending and staking capabilities for ETH and USDT, providing real, practical use cases that will appeal to long-term investors looking for stable income opportunities.

Inside Mutuum Finance Utility

The dual market model adopted by Mutuum Finance combines peer-to-peer (P2P) and peer-to-contract (P2C) technologies. The P2C market enables rapid pooling of liquidity, allowing borrowers to quickly obtain funds and savers to have the opportunity to earn interest. Because the P2P market supports customized loan arrangements, consumers can directly negotiate interest rates, terms, and mortgage ratios that suit them. This adaptability maximizes user autonomy while balancing mobility.

In addition, Mutuum’s liquidity management framework uses a dynamic lending and borrowing rate model to maintain the balance of the ecosystem. When capital is abundant, interest rates are kept low to encourage borrowing ； And when capital is scarce, interest rates rise to attract new deposits and stabilize liquidity.

The platform also features an over-collateralization feature, ensuring that positions remain safe even during market downturns – a key safeguard against today’s volatile cryptocurrency prices.

Safety and Community Initiatives

Mutuum Finance has completed a CertiK audit and received a 90/100 token score, reflecting its strong security posture. The team also cooperated with CertiK to launch a bug bounty program, with four levels of vulnerability severity (from "critical" to "low"), with a total reward of 50,000 USDT. This move further solidifies the platform’s commitment to continuously improve security.

In addition to community incentives, Mutuum recently launched a leaderboard dashboard showcasing the top 50 holders, who will receive additional MUTM bonuses for maintaining their status.

Additionally, to celebrate the ongoing pre-sale, the project is hosting a MUTM $100,000 giveaway, awarding 10 winners with $10,000 each. Participants need to submit a wallet address, complete all listed tasks, and ensure a minimum investment of $50 to qualify.

Whales Move to Utility-Focused Tokens

As XRP’s large investors exited amid stagnant prices, their funds appear to have found a home in projects like Mutuum Finance. Unlike older altcoins that have struggled to gain momentum, Mutuum offers tangible on-chain use cases and transparent growth. The platform’s active pre-sales, growing holder base, and upcoming product launch in 2025 highlight why it is increasingly regarded as the best cryptocurrency to invest in right now.

Mutuum Finance (MUTM) isn't just attracting retail investors, it's steadily positioning itself as the new focus for cryptocurrency investing in a bid to stand out in a market looking to regain confidence. The decline in XRP whale holdings highlights the market’s shift toward more valuable functional DeFi projects, and Mutuum Finance is leading this trend.

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