Ripple’s CEO Says XRP Could Capture 14% of Swift Volume – Which Small-Cap Coin Could Explode This Summer?

In a bold statement about the future, Ripple Labs CEO, Garlinghouse, forecast that XRP could capture up to 14% of the global transaction volume of SWIFT. The CEO made the statement while in Singapore at the XRP APEX 2025 event. If his forecast came true, it could transform the global financial system and position XRP at the heart of the global system of finance.

Revolutionizing Global Settlements

During the packed event, Garlinghouse stated that Ripple’s vision would focus on the liquidity part of the SWIFT system, and not the messaging part. According to him, this focus could see XRP dominate 14% of global liquidity transactions in the next five years.

If XRP were to capture 14% of the global SWIFT volume of $5 trillion in daily volume, it could have huge implications for the value of XRP. Even if it captured just 1% of the volume, its price could rise to over $35. However, that is unlikely to happen due to regulatory challenges and the cost of making such a switch, especially in the 5-year period that the Ripple CEO forecasts.

A more realistic scenario is that Ripple continues to face legal challenges in its quest. In the meantime, a better alternative in the crypto market has got investors talking. Mutuum Finance (MUTM) is making waves in the crypto world, thanks to its focus on utility and creating real value for its community.

A Deep Dive Into Mutuum Finance

Mutuum Finance (MUTM is an innovative DeFi project that aims to transform the entire decentralized finance sector with innovative solutions. The protocol allows users to participate as either lenders or borrowers.

As lenders, users can deposit their assets in the liquidity pools to earn interest. The interest they earn is based on the pool’s utilization rate. Mutuum Finance’s utilization rate is expected to be extremely high, which will generate massive returns for its lenders.

The reason for this positive forecast is the project’s design, which targets high-quality assets that have high demand from borrowers. One of the strategies it plans to use is liquidity mining, which will see providers of high-value assets like stablecoins and ETH receive MUTM token rewards.

Besides the lucrative liquidity rewards, Mutuum Finance will also offer numerous protections for protocol users. For instance, it will carefully check new assets before they can be added as collateral or liquidity in the pools.

This will ensure that the protocol’s health is maintained, ensuring long-term growth for all its users. Over time, that will boost protocol participation, ensuring lenders can continue to earn massive rewards.

The mtToken System

Another incentive that Mutuum Finance has created is the mtToken system. In this system, lenders who deposit their assets will receive mtTokens in exchange. For instance, if a user deposits $1,700 worth of ETH, they will receive mtETH tokens on a 1:1 ratio.

These mtTokens will be based on the ERC20 token standard, which means they can be traded on secondary exchanges that support the standard. That will open trading opportunities for lenders while they are still earning interest on their assets in the pools.

Since mtTokens represent the value of the assets plus any interest accrued, it will simplify the lending process for users. They can track their earnings in real time and will not need to actively compound or claim their interest in the pools.

Benefits For Borrowers

For borrowers, Mutuum Finance has several incentives as well, one of which is the stable interest rate. The stable rate will boost the pool utilization rate as borrowers looking for predictable repayments will seek it out.

This stable rate starts high, based on a time-weighted average of the variable rate. It will then be regularly monitored to ensure that the variable rate does not rise too high above it. When the variable rate rises too high, the protocol will automatically rebalance it to maintain fairness and to protect liquidity on the protocol.

Borrowers on Mutuum Finance also have an opportunity to earn interest on their collateral. This will be made possible through the stablecoin that the team plans to launch on the protocol. The interest payments they earn on collateral will go towards covering some of the interest payments due on their stablecoin loan.

Planned Beta Version Launch

Mutuum Finance (MUTM) plans to launch a beta version of the platform on day one of the token listing. This beta version launch is expected to spur interest in MUTM tokens, which is part of the reason why analysts are so optimistic about MUTM tokens once they go live.

The MUTM tokens are currently in the presale, where they are going for $0.03 in phase 5 of the presale. So far, over $10.6 million has been raised in the presale from around 12,000 participants. The price is expected to rise by 16.67% in phase 6 to $0.035.

The presale numbers, coupled with the awesome protocol design that offers huge long-term benefits, make the MUTM token presale one of the most exciting crypto investment opportunities of June 2025.

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

Website: https://www.mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance