XRP futures are setting new records on CME, crossing $1 billion in open interest in just three months. This milestone has come faster than Bitcoin, Ethereum, and Solana achieved. Moreover, it signals a strong rise in institutional appetite for derivatives tied to Ripple. 

However, the token’s spot price is still lingering below $3. That gap between futures enthusiasm and real-world demand is keeping the community divided. Yet, as traders focus on Ripple, another project is gaining traction as the best crypto to buy now: Mutuum Finance (MUTM).

XRP futures show unmatched speed

XRP futures have been growing faster than anyone expected since their launch in May 2025. CME confirmed that over 316,000 contracts have already been traded, generating around $13.7 billion in volume. This acceleration has helped the overall crypto futures market reach $36 billion in open interest. Furthermore, trading activity touched an all-time high of $313.8 billion in August alone.

This phenomenal growth highlights the large institutional investor demand that is seeking a safer point of entry on futures. Futures allow hedging and speculating without having possession of the underlying token. However, XRP has not been reaching adoption even with all this hype as its spot price has not yet surged above $2.90. As a result, others are seeking an alternative to Ripple that could be the next crypto investment opportunity.

Mutuum Finance presale gains

Mutuum Finance (MUTM) is currently running its presale, which has already reached Phase 6 of 11 phases. The project has raised $15,500,000 since its presale began, and total MUTM holders now stand at 16,150. The current price is $0.035, reflecting a 250% increase from the first phase price of $0.01. 

Importantly, Phase 6 is selling out fast, so the chance to buy at this level is closing quickly. Afterward, Phase 7 will begin at $0.04, a 14.3% jump, before the official launch at $0.06. Current buyers are set for returns between 300% and 500% once the token lists.

This structured rise in value is catching attention across crypto charts and boosting confidence among investors. More so, the project has also introduced a dashboard that has a leaderboard of the top 50 holders offering them bonus tokens to hold onto their spots. These updates are adding layers of engagement to an already active community.

Lending models and utility

Mutuum Finance (MUTM) is building a lending and borrowing protocol that combines two models. The Peer-to-Contract system matches stable deposits with borrowers automatically, ensuring liquidity and predictable yields. 

Meanwhile, the P2P system allows participants to directly negotiate terms, enabling more risk and reward relationships. Both of these modes are oriented in order to cater to various investors without compromising on stability via overcollateralization and liquidation protection.

Moreover, deposit limits, borrow limits, and limited collateralization have been established to limit risk associated with volatile assets. Collateral efficiency is improved and loan-to-value ratios are tougher to cushion the system during market fluctuations. These mechanics show the focus that Mutuum is putting on sustainable growth particularly in volatile markets.

Security and investor trust

Mutuum Finance (MUTM) is 95.00 security score certified by Certik. They were not vulnerable, and there have not been any occurrences in the last 90 days. To enhance transparency, the team has launched a Bug Bounty Program with $50,000 USDT in rewards, divided across severity tiers. 

Moreover, a $100,000 giveaway has been announced, where 10 winners will each receive $10,000 in MUTM. Eligibility requires a minimum investment of $50 in the presale.

These initiatives are not only protecting investors but also building a trust-driven community. Furthermore, the mix of incentives and safeguards signals that Mutuum Finance is not just another presale but a structured project prepared for long-term growth.

Tying back to Ripple’s surge

While Ripple’s futures contracts are breaking records, Mutuum Finance (MUTM) is establishing itself as the best crypto to buy now. Both are attracting attention for different reasons, yet the difference is clear. 

Ripple’s futures reflect institutional demand, but Mutuum’s presale reflects direct investor participation with immediate value growth. For those considering what crypto to invest in during 2025, Mutuum Finance (MUTM) offers a rare opportunity at a strategic entry point before its price climbs further.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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