XRP is starting 2026 with renewed momentum, holding above the $2 level as large-cap crypto sentiment improves. At the same time, Mutuum Finance (MUTM) is moving deeper into its presale cycle, approaching $20M raised as its Phase 7 pricing structure continues to tighten supply. Together, the two stories reflect what investors are watching right now: established tokens holding major levels, and new utility projects trying to convert presale demand into a strong launch.
What you'll learn 👉
XRP above $2
XRP is trading around $2.34 in January, 2026, with intraday action ranging roughly between $2.11 and $2.41, keeping it firmly above the psychological $2 zone. That “above $2” positioning matters because it often shifts XRP from a range-trade conversation into a momentum conversation, especially when the broader market is supportive.
Recent market commentary has also connected XRP’s strength to flows and renewed interest in XRP-focused products, alongside a generally stronger tone across major cryptocurrencies. From a trading perspective, the near-term focus tends to be straightforward: holding above $2 keeps buyers interested, while failure to maintain that level can trigger faster profit-taking because XRP typically moves sharply in both directions once volatility picks up.
Mutuum Finance presale near $20M
Mutuum Finance (MUTM) is building a non-custodial lending and borrowing protocol where lenders supply assets into pooled markets and borrowers take overcollateralized loans from those pools. The project is currently in Presale Phase 7 with MUTM priced at $0.04, and presale participation is approaching a major milestone with over $19.6M raised and 18,700+ holders.
The presale structure has progressed in clear steps, and the recent phase change has been a key talking point. MUTM moved from $0.035 in Phase 6 to $0.04 in Phase 7, a nearly 20% increase inside the presale framework. Even after that move, the token remains below the confirmed $0.06 launch price, which keeps the presale positioned as a discounted entry versus the stated launch valuation.
Supply is also a core part of the presale narrative. MUTM has a 4 billion total supply, with 1.82 billion tokens (45.5%) allocated to the presale. More than 820 million tokens have already been sold, meaning a sizable portion of presale-tier supply has been absorbed as pricing has stepped up across phases.
V1 protocol timeline and core features
Mutuum Finance has communicated that V1 is headed to the Sepolia testnet, followed by mainnet finalization, with launch timing described as coming shortly. That timeline has gained attention alongside a security update: the team has confirmed the Halborn audit covering the lending and borrowing smart contracts has been fully completed, adding another milestone alongside an earlier CertiK audit with a high score.
For V1, Mutuum Finance has kept the initial scope focused and easy to track. The planned core components include:
- Liquidity Pool
- mtToken
- Debt Token
- Liquidator Bot
- Initial assets: ETH and USDT for lending, borrowing, and collateral
This first-asset approach is designed to start with deep-liquidity markets, which matters for lending protocols because stronger liquidity typically supports smoother borrowing, repayments, and withdrawals.
Why some expect $0.50 after launch
The case for stronger post-launch movement is being framed around how MUTM is planned to enter the market. The roadmap indicates a full rollout phase where the platform and token launch align, which can concentrate demand early because the token is not arriving as a standalone listing. It arrives with immediate utility, giving buyers more than one reason to participate at launch: trading access and platform usage.
Some market analysts map early post-launch scenarios into the $0.35 to $0.40 zone when demand expands quickly once the token becomes broadly accessible. From the current $0.04 presale price, $0.35 would represent about 775% growth and $0.40 would represent about 900% growth. A move to $0.50 would be a 12.5x reprice from $0.04, or roughly 1,150% growth.
The reasoning behind a $0.50 scenario is usually tied to three practical levers that can stack together:
- Token-plus-platform launch structure, which can bring both traders and users into the market in the same window.
- Higher likelihood of top-tier exchange listings, since launching with a working platform gives exchanges a clearer utility case and can accelerate visibility, liquidity, and broader access soon after trading begins.
- Future expansion drivers, including an overcollateralized stablecoin, Layer 2 optimization work, and multi-chain expansion, all of which widen potential usage over time and can support sustained attention beyond the first listing window.
XRP holding above $2 keeps it in the large-cap momentum conversation as 2026 develops. Mutuum Finance is being watched for a different reason: it is still early in its lifecycle, nearing $20M raised in presale, and advancing through structured pricing phases while moving toward V1 testnet milestones. With Phase 7 pricing at $0.04, a confirmed $0.06 launch price, completed Halborn auditing, and a roadmap built around utility arriving with market access, MUTM is increasingly framed as a new utility coin that can reprice sharply once it transitions from presale into open trading.
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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