Top Crypto to Buy Before July Ends: XRP (XRP) Holds Steady, But This Under-$0.05 Token Eyes a 30x Jump In Days

XRP (XRP) has long been a dependable player in the crypto market, maintaining steady ground even during volatile conditions. However, while it offers stability, its short-term growth has remained modest. For investors chasing aggressive upside and early-stage opportunities, one emerging DeFi project stands out: Mutuum Finance (MUTM) . Priced at just $0.03 in its presale and already 85% sold out, this under-the-radar token is preparing for a major jump to $0.035, with expectations of a 30x price surge as it moves toward its exchange listing. The market is increasingly drawn to high-utility protocols that blend real yield, scalability, and sustainable tokenomics. Mutuum Finance (MUTM) brings all of that together—and its strong presale performance is clear proof of growing investor conviction. Over 13,600 holders have already joined in, with $12.6 million raised during Phase 5, and only a small number of tokens remain before the next price hike. XRP (XRP) Price Update XRP has held steady at $3.57 as of July 18, 2025, following a 30.14% weekly surge, stabilizing after hitting a six-month high of $3.72 on July 17. The price resilience stems from strong ETF anticipation, with ProShares’ XRP Futures ETF launch on July 18 fueling bullish sentiment, per CoinDesk. X posts highlight whale accumulation, with over 2.2 billion XRP added by large holders, and a flipped $3.72 resistance eyeing $4.90. The XRP Ledger’s integration of RLUSD and Dubai’s tokenized real estate initiative bolster utility. Analysts forecast $4-$5.50 by Q4 2025, driven by the CLARITY Act’s regulatory support, but an overbought RSI at 70.65 and exchange reserve spikes signal profit-taking risks. A drop below $3.20 could test $2.98 support, reflecting XRP’s balance between breakout potential and short-term volatility. Mutuum Finance (MUTM): Practical Use Cases and Real Passive Income At the heart of Mutuum Finance (MUTM) lies a unique dual-lending structure. The platform will offer Peer-to-Contract (P2C) lending, enabling users to deposit assets directly into smart contracts and earn consistent returns. For instance, a lender contributing $4,000 worth of MATIC at a projected 65% loan-to-value (LTV) ratio could earn an estimated 10% annual yield—translating to $400 per year, all without active management. The Peer-to-Peer (P2P) lending model is being developed to serve crypto holders looking to unlock liquidity without selling their assets. Users will be able to post memecoins like DOGE as collateral—despite their volatility—and borrow stablecoins like USDC or USDT under a strict 230% collateralization ratio. The terms are self defining and are not fixed. This approach aims to let users leverage even speculative assets while staying fully invested. But lending and borrowing will only be part of the ecosystem. Mutuum Finance (MUTM) also plans to launch a Layer 2-integrated stablecoin, algorithmically pegged to $1 and minted exclusively during the borrowing process. Once the loan is repaid, the stablecoin will be burned—keeping supply in check and mitigating inflation risk. This mint-and-burn mechanism will be fully automated and verifiable on-chain. Presale Acceleration and What’s Coming Next The current presale stage is moving rapidly. With 85% of the tokens already sold and demand surging, the transition to the next pricing phase is right around the corner. At $0.03, Mutuum Finance (MUTM) is already delivering solid paper gains for early buyers, and the incoming price increase to $0.035 will further validate its momentum. Once the token lists at $0.06, early investors from phases like Phase 1 (entry at $0.01) or Phase 2 ($0.015) are positioned to see exceptional returns. Take for example an investor who allocated $200,000 during Phase 1, acquiring 20,000,000 MUTM tokens at the lowest available price. At the confirmed listing price of $0.06, that portfolio would already be worth $1.2 million — a clean 6x return even before any exchange trading volume kicks in. But that’s just the beginning. With long-term projections aiming for a price between $1.50 and $3.00 by 2026 — based on Mutuum Finance (MUTM)’s expanding ecosystem, high-yield utility, and multi-chain integration — the same $200,000 position could eventually grow to as much as $6 million, representing a 30x return. These are the types of exponential gains that have historically defined breakout DeFi tokens, and why seasoned investors are now circling Mutuum Finance (MUTM) before the listing window closes. Mutuum Finance (MUTM) has laid out a comprehensive roadmap that ensures a responsible and secure rollout. After presale completion, the team plans to move through public beta testing, smart contract finalization, and cross-chain deployment. Confidence in the protocol’s integrity is reinforced by a CertiK audit, with an impressive 95 Token Scan score and 77.5 Skynet score—a clear indication that the platform is technically sound and security-focused. In addition, the project has allocated a $50,000 bug bounty fund to safeguard user assets and a $100,000 community giveaway to boost engagement and awareness during these final presale stages. These initiatives reflect a community-first mindset and a commitment to building trust long before the token hits centralized exchanges. Investors who participated in earlier stages are already seeing promising results. One Phase 2 investor, who reallocated capital from AVAX and BTC into Mutuum Finance (MUTM) at the presale price of $0.015, has already achieved a 2x gain on paper, with the current Phase 5 price now at $0.03. With the exchange listing price set at $0.06, that same portfolio is projected to reach a 4x return at launch. Looking ahead, if long-term projections materialize and MUTM climbs to price targets between $0.60 and $0.90 by 2026, the original Phase 2 investment could deliver up to 40x–60x returns, especially for those holding larger positions. It’s this kind of potential that’s making early entries into Mutuum Finance (MUTM) some of the most talked-about moves in the DeFi space right now. With just days left before the price climbs to $0.035 and limited supply remaining, this is the final window to get in at the lowest possible valuation. Mutuum Finance (MUTM) is more than just a presale—it’s an all-in-one DeFi ecosystem that blends passive income, smart borrowing, and scalable infrastructure. As XRP (XRP) continues its steady climb, Mutuum Finance (MUTM) is preparing to explode—and early buyers are locking in their positions while they still can. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post Top Crypto to Buy Before July Ends: XRP (XRP) Holds Steady, But This Under-$0.05 Token Eyes a 30x Jump In Days appeared first on Times Tabloid .

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