XRP ETF delayed until October, yet this new token gains faster traction among traders

The crypto market received a jolt of news this week as the long-anticipated XRP exchange-traded fund (ETF) was delayed until October.

While the decision doesn’t change the long-term outlook for Ripple, it has cooled the momentum for traders hoping to see a faster push toward higher price targets.

With XRP temporarily stalled, investors are scanning for opportunities elsewhere—and many are finding them in presales.

One project gaining rapid traction is Mutuum Finance (MUTM), a token priced at just $0.035.

Backed by a strong roadmap, rising adoption, and significant investor inflows, it is increasingly being described by analysts as the token to watch while larger assets like XRP navigate regulatory roadblocks.

XRP ETF delay: what it means

The Securities and Exchange Commission (SEC) has opted to push back its decision on approving an XRP ETF until October, citing the need for further review.

Market watchers suggest that the move reflects continued regulatory caution as the agency balances investor protection with the growing pressure to legitimize digital assets through mainstream financial products.

In the immediate aftermath, XRP has held relatively steady around $2.90, but momentum has slowed.

Traders who were expecting near-term gains from an ETF announcement are now facing months of uncertainty, leaving short-term price action subdued.

Despite the delay, analysts remain bullish on XRP’s long-term potential. Forecasts still place XRP in the $5–$8 range by 2026, especially as cross-border payments adoption increases and institutional demand grows once regulatory clarity improves.

For now, however, the ETF delay represents a short-term setback—one that has investors seeking faster-moving opportunities in emerging tokens.

Mutuum Finance (MUTM) gains traction

While XRP waits for regulatory clarity, Mutuum Finance (MUTM) is building momentum from the ground up.

Currently in presale at $0.035, the project has already raised over $15 million and attracted more than 15,700 holders, a strong signal of confidence before launch.

Mutuum Finance is being designed as a decentralized, non-custodial liquidity protocol that allows users to lend, borrow, and act as liquidators.

What sets it apart is its dual lending markets. In the Peer-to-Contract (P2C) system, users deposit assets like ETH or USDC into liquidity pools, earning passive income while borrowers access overcollateralized loans with rates adjusted algorithmically.

Meanwhile, the Peer-to-Peer (P2P) market connects lenders and borrowers directly, letting them negotiate custom loan terms such as rates, collateral, and duration.

Beyond lending, Mutuum is rolling out mtTokens, which represent deposits 1:1 and accrue value as interest builds. 

The roadmap further outlines plans for an overcollateralized stablecoin pegged to the US dollar and backed entirely by on-chain assets, as well as Layer-2 integration in 2025 to reduce costs and improve transaction speeds.

These features position Mutuum Finance as more than a presale; it is a protocol with long-term DeFi functionality.

Why analysts favor MUTM now

Several factors explain why analysts believe MUTM is gaining faster traction than established tokens in the short term.

First is its buy-and-redistribute model, which channels platform profits into purchasing MUTM tokens on the open market and redistributing them to mtToken stakers. This creates sustainable buy pressure and incentivizes long-term holding.

Second, Mutuum will debut with a beta launch at token release, ensuring immediate functionality instead of speculative promises.

This significantly improves its chances of securing listings on top-tier exchanges, which historically drive major inflows of liquidity and visibility.

Confidence is also being reinforced by investor activity. Whale inflows have been noted in the presale, including large six-figure commitments, which show that deeper-pocketed investors are positioning early. 

On the security front, Mutuum Finance has completed a CertiK audit, scoring 95/100, and launched a $50,000 bug bounty program alongside a $100,000 giveaway to reward early supporters.

Together, these initiatives establish a foundation of trust and transparency that is often lacking in presale projects.

Investment example: XRP vs. MUTM

The difference between XRP’s steady growth and MUTM’s explosive potential becomes clear when the numbers are broken down.

If an investor places $1,500 into XRP at $2.90, and XRP climbs to $5 after ETF approval in 2026, that position would grow to about $2,586. It’s a solid return, but it represents a gain of roughly 72% over a multi-year period.

By contrast, $1,500 invested in MUTM at $0.035 would be worth over $36,400 once the token reaches just $0.85, a gain exceeding 24x in a much shorter timeframe.

This level of scaling potential is driving traders, frustrated by delays in established assets, to rotate into presales like MUTM.

Conclusion

The delay of the XRP ETF until October is not a dealbreaker for Ripple’s long-term trajectory, but it has cooled short-term momentum. XRP remains a credible long-term investment, with analysts still eyeing targets between $5 and $8 by 2026.

In the meantime, Mutuum Finance (MUTM) has been quickly building traction.

With a presale price of $0.035, over $15 million raised, strong tokenomics, a beta launch on the horizon, and security validated by a CertiK audit, it has become one of the most talked-about tokens of the year.

For traders weighing the choice between waiting on delayed ETFs or backing projects with immediate momentum, the takeaway is clear: XRP may offer steady growth, but MUTM is drawing faster traction and greater upside potential today.

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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