XRP has tested the $2.20 support level amid deepening Senate gridlock, as the U.S. government shutdown entered its 18th day on October 18, 2025. This prolonged impasse has stalled ETF approvals, fueling an 18% plunge for XRP throughout October, far outpacing Bitcoin’s 6.39% drop and Ethereum’s 6.90% decline.
Meanwhile, institutional hesitation leaves XRP vulnerable to volatility, overshadowing Ripple’s recent $1 billion GTreasury acquisition and Absa Bank partnership.
Yet, amid this crypto news today, whales have shifted toward a promising altcoin: Mutuum Finance (MUTM), the best crypto to buy now for DeFi enthusiasts seeking yield on idle assets. As XRP grapples with delays, MUTM’s presale surges, drawing savvy investors eyeing the top crypto to buy before phase shifts.
XRP Dips Below Key Levels
Oct 17 XRP performed an EURDollar move lower with a 1.51% decline, marking the fourth consecutive loss of the day which darted below $2.20 at the point without a pause before moving back up a little. Indeed, the same weakness is reflective of the crypto market, with XRP moving away from its 50-day and 200-day exponential moving averages.
As a result, bearish signs are amplified, and more significant losses are in store if the stalemate persists. However, if Senate approval suddenly ramps up, it might emulate Bitcoin’s ETF authorization in early 2024.
For now, however, XRP is left behind as investors search for the next big thing in crypto, with their attentions drawn to altcoins like MUTM with their instant utility.
Mutuum Finance Presale Accelerates
Mutuum Finance (MUTM) has opened phase 6 of its presale, currently underway at $0.035 per token, a 250% rise from phase 1’s $0.01 entry. Phase 6 stands 70% filled across 11 total phases, selling out fast and signaling the last chance to acquire tokens this affordably.
Soon, phase 7 will launch with a 14.3% hike to $0.04, while the platform readies for a $0.06 debut. Early participants stand to gain 371% post-launch, underscoring why MUTM emerges as the best crypto to buy now amid XRP’s stumbles.
Furthermore, the project has raised $17,650,000 since inception, onboarding 17,320 holders who recognize MUTM’s edge in decentralized lending. Unlike XRP’s regulatory hurdles, MUTM builds a protocol for earning yields on idle crypto or borrowing against holdings without custody loss.
Bug Bounty and Audit Bolster Security
Mutuum Finance has launched its official Bug Bounty Program in partnership with CertiK. The team has allocated $50,000 USDT for rewards across four tiers based on severity. They include critical, major, minor, and low. Each vulnerability level carries assigned payouts, incentivizing ethical hackers to fortify the protocol.
Additionally, MUTM finalized its CertiK audit successfully, achieving a 90/100 token score that affirms robust smart contract integrity. These steps ensure reliability, drawing whales who view MUTM as the top crypto to buy for secure DeFi plays.
Lending Protocol Advances on Testnet
Mutuum Finance has announced development of its lending and borrowing protocol, targeting V1 deployment on Sepolia Testnet in Q4 2025. Core features include a liquidity pool for instant access, mtTokens for deposits, debt tokens for tracking borrows, and a liquidator bot to handle undercollateralized positions.
Initial support covers ETH and USDT for lending, borrowing, and collateral, with overcollateralization safeguarding against volatility. Borrow rates adjust dynamically via utilization, low when abundant, rising to spur repayments during scarcity, while stable options lock predictable costs for select assets.
This design pairs peer-to-contract pools for quick trades with peer-to-peer vaults for custom terms, enhancing efficiency over rigid competitors. Thus, users gain granular control, from high-LTV stablecoin borrows at 75% to capped exposures on volatile tokens. Liquidation thresholds at 70-80% trigger bonuses for resolvers, maintaining solvency without excessive penalties.
Dashboard Tracks Top Buyers
The MUTM team has rolled out a dashboard featuring a leaderboard of the top 50 holders, including a fresh 24-hour update. Daily, the number-one user claims a $500 MUTM bonus, contingent on completing one transaction in that window; resets occur at 00:00 UTC.
Leading the past 24 hours: buys of $519.15, $515.00, $424.76, and $308.00. Such transparency fuels engagement, positioning MUTM as the best crypto to invest in for active participants.
Mutuum Finance has unveiled a $100,000 MUTM giveaway, dividing prizes among 10 winners at $10,000 each to herald the presale climax. Participants submit a valid wallet address, fulfill all quests meticulously, and invest at least $50 in the presale for eligibility. This initiative rewards commitment, amplifying MUTM’s appeal as the next big crypto in a faltering market.
Whales Pivot to MUTM Momentum
As XRP contends with shutdown shadows and ETF limbo, altcoin whales have pivoted to Mutuum Finance (MUTM), the standout best crypto to buy now. This shift highlights MUTM’s presale vigor and protocol safeguards, offering yields and liquidity where XRP lags. Investors, act swiftly, secure your stake in this top crypto to buy before phase 6 vanishes.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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