The post Which Crypto To Buy Now As SEC’s New Rule Greenlights XRP Spot ETFs appeared first on Coinpedia Fintech News
Crypto news today: While the US Securities and Exchange Commission looks to impose restrictions on crypto, a major development is happening today as the agency announces it will take as few as 75 days to grant the green light to spot crypto fund listings for exchanges.
The Rule 6c-11, which is used for commodity based ETF Hert finds application with major platforms such as Nasdaq, NYSE Arca and Cboe BZX where products can be fastracked.
Consequently, XRP is entering the spotlight with expectations of institutional adoption, while investors are weighing what crypto to buy now amid shifting regulations. At the same time, attention is turning to Mutuum Finance (MUTM), a presale token currently attracting heavy demand.
XRP Spot ETF Momentum
XRP is currently benefiting from the SEC’s new approval path that cuts through lengthy procedures. As exchanges prepare to roll out spot XRP ETFs, the token is moving closer to mainstream finance. Moreover, Ripple’s CEO has underlined XRP’s ability to solve liquidity inefficiencies in cross-border transactions, an issue that locks away trillions in idle accounts worldwide.
Analysts have already noted bullish technicals, with XRP forming multiple bull flag patterns. One smaller breakout has lifted prices past $3, while a larger flag suggests potential targets between $5 and $15. Additionally, XRP/USD charts have confirmed rallies toward nine-year highs, further strengthening the bullish case. In parallel, the REX-Osprey ETF launch this week provides direct spot exposure for US investors, marking the first fully regulated XRP fund under the 1940 Act. This is opening doors for institutional flows and reinforcing the perception that XRP is positioning itself as a top crypto to buy.
Mutuum Finance Presale Gains
Attention has also been shifting to Mutuum Finance (MUTM), which is currently in phase 6 of its presale. The token is selling for $0.035, a 250% increase from the first phase price of $0.01. Since launch, $16,100,000 has been raised, and total holders have already reached 16,450.
Phase 6 is selling out quickly, and once phase 7 opens, the price will rise 14.3% to $0.04. At launch, MUTM will list at $0.06, meaning buyers at the current stage are positioned for gains of around 400%.
This momentum is further reinforced by Mutuum’s approach to lending markets. The protocol manages liquidity through a borrow interest rate model that adjusts as utilization changes. When supply is abundant, borrowing rates stay low to encourage activity.
Conversely, when liquidity is scarce, higher rates incentivize repayments and fresh deposits, protecting solvency. In addition, Mutuum introduces overcollateralization safeguards that allow liquidators to stabilize risky positions while preserving the protocol’s balance sheet.
Furthermore, Mutuum Finance has confirmed its CertiK audit with a strong 90/100 score, providing confidence to investors concerned with protocol security.
The team has also announced a $50,000 Bug Bounty Program in partnership with CertiK, ensuring vulnerabilities are addressed across four severity tiers. In addition, a new dashboard featuring a leaderboard has been launched, rewarding the top 50 holders with bonus tokens for maintaining their ranking.
Adding to the excitement, Mutuum Finance is running a $100,000 giveaway, awarding $10,000 in MUTM to each of 10 winners. To qualify, participants must submit a wallet address, complete required quests, and hold at least $50 worth of MUTM from the presale. These incentives, combined with robust tokenomics and a clear lending use case, are strengthening demand for this presale altcoin.
Why Investors Are Watching Both
While XRP is surging from ETF approval and climbing crypto charts, Mutuum Finance is offering a different angle on crypto investing through presale growth and lending innovation. Both tokens are benefitting from strong market drivers. XRP is capturing institutional inflows as ETFs move ahead, and MUTM is capturing retail demand through its structured presale and security measures.
Investors deciding which crypto to buy now are seeing two distinct opportunities. XRP offers exposure to an established network gaining regulatory recognition, while MUTM provides early entry into a structured DeFi platform with clear safeguards and incentives. Each project is shaping up as a strong crypto investment choice in 2025, but Mutuum Finance is currently drawing special attention due to its presale returns and upcoming launch.
As the SEC rule accelerates ETF approvals and demand for innovative tokens builds, the focus remains sharp on which crypto to buy now. Both XRP and MUTM are providing answers, yet MUTM’s unique presale growth and robust design are pulling more investors toward its token.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
