XRP Whales Rotate Capital Into This New Crypto Protocol, Experts Explain
In 2026, Ripple (XRP) whales are strategically diversifying, rotating capital into new top crypto opportunities like Mutuum Finance (MUTM). While XRP remains a cross-border staple, large-scale holders are attracted to Mutuum Finance’s rapid technical delivery, specifically its live lending engine on the Sepolia testnet. With $20.5 million already raised and a community of 19,000, experts view this shift as a calculated spot on the next crypto primary liquidity hub before its $0.06 market launch.
Ripple (XRP)
Ripple (XRP) remains a major player in the world of cross-border payments. As of February 2026, XRP is trading at approximately $1.50, with a market capitalization exceeding $85 billion. While it has a loyal following and institutional partnerships, its price action has been sluggish compared to newer assets.
The sheer size of its market cap means that it takes a massive amount of new money to push the price higher. For many investors, the days of seeing 100x gains on XRP are a thing of the past. The technical charts for XRP show several heavy resistance zones that have capped its growth. The most immediate wall sits at $1.55, which has rejected multiple rally attempts this year.
Above that, the $1.90 to $2.10 range serves as a major psychological and technical barrier. Because of these limitations, the upside potential for XRP is often viewed as limited. Many large holders are realizing that their capital might work harder elsewhere, leading to the current rotation into younger, more agile protocols.
Mutuum Finance (MUTM)
As Ripple whales seek higher returns, Mutuum Finance (MUTM) has emerged as a primary target due to its professional dual-market system. This decentralized protocol aims to allow users to lend assets for yield or borrow against them without giving up ownership, utilizing both P2P and P2C models for maximum flexibility.
The project’s official whitepaper offers highly competitive terms, with LTV (Loan-to-Value) ratios reaching up to 80% on blue-chip assets and dynamic APYs designed to outperform traditional DeFi benchmarks.
The growth has been explosive, with the price surging 300% from $0.01 to the current Phase 7 price of $0.04. With over $20.5 million raised and a community of 19,000 wallets, the momentum is undeniable. This trust is bolstered by the V1 protocol being live on the Sepolia testnet, allowing users to verify the lending engine ahead of the confirmed $0.06 market launch.
Price Predictions: XRP vs. MUTM
When comparing the two, the contrast in potential is clear. Analysts have issued a conservative price prediction for XRP, suggesting it may struggle to break past $2.50 by the end of 2026. The limitations of its massive supply and the constant need for institutional news make it a slow mover.
In contrast, the price prediction for MUTM is far more aggressive. Experts believe that once the protocol moves to mainnet and potentially secures top-tier exchanges, MUTM could target the $0.20 to $0.30 range. This would represent a 500%-750% increase from its current presale price.
The reason for this bullish outlook is the protocol’s utility. As more users lend and borrow on the platform, the demand for MUTM tokens increases through its buy-and-distribute mechanism described in the protocol’s roadmap. This link between platform usage and token value is what attracts whales who are tired of speculative meme coins.
Security, Rewards and Whale Allocations
Security is the foundation of the Mutuum Finance ecosystem. The project has successfully completed a manual code audit with Halborn Security, one of the most respected firms in the world. It also holds a high 90/100 trust score from CertiK.
This verified security is a “green flag” for large investors who want to ensure their capital is safe. To further harden the system, the project operates a $50,000 bug bounty program to invite global experts to find and fix any vulnerabilities.
To keep the community active, the platform features a 24-hour board. This daily leaderboard tracks participation and rewards the top daily contributor with a $500 bonus in MUTM tokens. This feature has helped maintain steady demand, as seen in recent on-chain data.
Reports have confirmed multiple whale allocations exceeding $175,000 in a single transaction. These large entries are a clear signal that major players are looking to secure their positions before the price moves to the next crypto tier. With Phase 7 selling out quickly and the launch approaching, the window for an early-mover advantage is closing.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
