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As Ripple (XRP) approaches key resistance levels, investors are wondering if XRP could reach $10 this year. While speculation about XRP's legal clarity and broader adoption continues to generate headlines, cryptocurrency analysts are beginning to shift their gaze elsewhere. At the center of this shift is Mutuum Finance (MUTM), an emerging player in the DeFi space that is gaining traction among experienced market observers. The 5th round of Mutuum Finance's presale has already sold over 80%. It is trading at $0.03 in phase 5, and the price will increase by 16.67% in the next phase. The amount raised so far exceeds $12.6 million with over 13,600 unique token holders. Mutuum Finance is quietly attracting attention as a smarter bet in the current volatile market. XRP is at a Crucial Moment XRP from Ripple is currently trading around $3.25, backed by a sustained breakout above the $3 mark and new institutional momentum related to the upcoming XRP futures ETF and potential bank charters. Short-term technical signals remain positive, with the MACD turning bullish and key moving averages holding steady, pointing to possible resistance tests at $3.40–$3.50 this week. Cautious voices highlight the risks of a correction down to $2.90–$2.95 if momentum cools. On the horizon, veteran chartist Peter Brandt sees room for a ~60% rebound towards $4.47 in the coming months. While long-term models are more varied, ranging from possible peaks between $5 and even $50 in bullish scenarios, most analysts remain cautious, citing regulatory clarity and adoption as key catalysts. And while XRP continues to capture analysts’ attention, many are also keeping a close eye on Mutuum Finance. Investor Excitement Keeps Mutuum's Presale Moving Over $12.6 million has been raised, and more than 13,600 investors have invested in Mutuum Finance (MUTM) as presale 5 rises. This shows that investor confidence in the project during its early stages is increasing. MUTM is priced at $0.03 before a 16.67% increase in phase 6. Smart investors are rushing to take advantage of this lower price. Mutuum's Dual Lending Model Redefines the Future of DeFi Mutuum Finance (MUTM) is a dual lending platform that will serve both active and passive DeFi users. Users will receive passive income by lending their USDT through smart contract pools that generate stable passive income in the project's Peer-to-Contract (P2C) lending system. Additionally, the Peer-to-Peer (P2P) model allows lenders and borrowers to be as active as they wish when it comes to exchanging, as it does not require a third party. This is more common among clients of less stable assets like meme coins. Secure Certification: Backed by CertiK and a $50K Bug Bounty Mutuum Finance (MUTM) will launch a stablecoin that is pegged to the USD on the Ethereum network. Furthermore, the project is audited by CertiK with a trust score of 95.0. This type of audit provides evidence of the platform’s readiness to become trustworthy and be transparently rated at an institutional level. Mutuum Finance has launched a $50,000 USDT Bug Bounty. The reward will be awarded based on four levels of severity: critical, major, minor, and low. Mutuum Finance (MUTM) Launches a $100,000 Token Giveaway Mutuum Finance values its new investors and has launched a $100,000 giveaway that will award 10 lucky winners $10,000 in MUTM as a gesture of gratitude for investors' initial trust in the project. Over 13,600 investors have already committed more than $12.6 million to Mutuum Finance (MUTM), and Phase 5 is nearly sold out at the presale price of $0.03. A price jump of 16.67% is assured for Phase 6, giving current buyers a brief window to maximize early gains. As XRP seeks a possible breakout, analysts are already betting heavily on MUTM as the smartest and most future-proof play in DeFi. This project is not only gaining momentum; it is capturing attention across the market. Secure your MUTM tokens now before prices rise. Early access does not last forever. For more information about Mutuum Finance (MUTM), visit the links below Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

President Donald Trump says he has reached an agreement with Indonesia, but has not yet shared specific details about the deal. He posted on Truth Social: “Great deal, for everyone, just made with Indonesia. I dealt directly with their very respected president. DETAILS TO FOLLOW!” This is Trump's fourth trade agreement since he introduced reciprocal tariffs in April. So far, he has only reached agreements with the United Kingdom, China, and Vietnam, with Indonesia now being the latest addition. Hartarto of Indonesia was in talks with officials Lutnick and Bessent. Just last week, President Trump warned that he would impose a 32% tariff on Indonesian exports starting August 1. Indonesia responded to the threat by sending its chief trade envoy to engage with Trump's cabinet and reach an agreement. The Coordinating Minister for Economic Affairs of the country, Airlangga Hartarto, met with U.S. Trade Representative Jamieson Greer, Secretary of Commerce Howard Lutnick, and Secretary of the Treasury Scott Bessent to discuss trade agreements. Earlier this month, President Trump reached an agreement with the Vietnamese government. The U.S. now imposes only a 20% tariff on goods from Vietnam entering the U.S. and a 40% transshipment tax. The transshipment tariffs mean that any country using Vietnam to export its products to the U.S. will face a 40% tariff. In contrast, Vietnam had to fully open its markets to the U.S., charging a tariff of 0%. Additionally, the U.S. and China agreed to a tariff truce. The two economies, however, set a deadline for their truce until August 12. On Tuesday, Treasury Secretary Scott Bessent hinted at the possibility of extending the tariff truce with China. He noted that his talks with China are in a “very good place.” It was reported that the Vietnamese government was surprised by Trump’s announcement of the agreement. Like the agreement with Indonesia, Trump was also the first to announce his agreement with Vietnam. However, according to sources, the Vietnamese government was taken aback by Trump’s announcement regarding the agreement and is still investigating how it can reduce the 20% rate. They claimed that the head of the Vietnamese party, To Lam, after his last call with Trump, instructed his team to continue efforts to reduce the tariff rate. It was reported that Vietnam believed it had secured a better tariff rate than the 20% announced by Trump. The Vietnamese government was pushing for tariffs between 10% and 15%. According to Bloomberg, the agreement between the U.S. and Vietnam was barely mentioned in local news. Furthermore, shortly after Trump’s post on Truth Social about the agreement, the country’s Ministry of Foreign Affairs stated that negotiators were still finalizing the details of the agreement. So far, Vietnam's leadership has been notably quiet about the details of the matter. Instead of addressing it directly, Prime Minister Pham Minh Chinh has only spoken about Vietnam's broader goals of diversifying exports and supply chains to adjust to tariff changes. Last Friday, Secretary of State Marco Rubio hinted that he understood Vietnam's position, stating that the Asian nation wanted to have a tax rate “that is at least as good as, if not better than, other countries that do not have a trade agreement” with the United States. Throughout the negotiations, Vietnam tried to maintain its relations with China. Washington had consistently asked Vietnam to block Chinese products that were being rerouted and repackaged through the country to avoid higher tariffs. With the 40% tariff in place, Beijing has stated that it will review the agreement to determine if its interests have been affected. Meanwhile, Prime Minister Mark Carney acknowledged for the first time that the trade agreement he is negotiating with the U.S. president will almost certainly include tariffs. Speaking in French on Tuesday morning before a cabinet meeting, he pointed out the lack of evidence that the U.S. is offering tariff-free deals. Before Carney’s comments, Canadian officials had remained hopeful for a nearly tariff-free relationship as part of the proposed trade and security agreement. According to Kirsten Hillman, the country’s ambassador to Washington and chief negotiator, Canada’s goals remain straightforward. In an interview with CTV News last month, she emphasized that the United States-Mexico-Canada Agreement ensured a 99 percent tariff-free trade relationship with the U.S., which Canada considers a fair and balanced deal. Key Difference Wire: the secret tool that cryptocurrency projects use to gain guaranteed media coverage.

According to Cointelegraph, Vanguard, one of the leading investment management firms worldwide, has emerged as the largest institutional shareholder of MicroStrategy (MSTR), a company known for its significant Bitcoin holdings. Data from the investment research platform Intel reveals that Vanguard has acquired over 20 million shares of MicroStrategy, representing approximately 8% of the company's outstanding Class A common stock. This acquisition provides Vanguard with indirect exposure to more than 200,000 Bitcoin held by MicroStrategy, marking a 26.3% increase in holdings between January and April 2025. Vanguard's investment strategy includes exposure to the Vanguard Total Stock Market Index Fund, which incorporates MicroStrategy as part of its broad allocation of U.S. stocks. Additionally, MicroStrategy shares are featured in numerous mutual funds and exchange-traded funds (ETFs) from Vanguard that track mid-cap indices. Despite becoming the largest institutional shareholder of MicroStrategy, Vanguard has maintained a cautious stance on Bitcoin and cryptocurrencies. The firm has consistently advised clients about the volatility associated with cryptocurrencies and has refrained from offering access to spot Bitcoin ETFs, unlike some of its competitors. Vanguard's CEO, Salim Ramji, reiterated the company's cautious approach in a May interview with Bloomberg TV. When asked about how to accommodate clients interested in adding Bitcoin to their portfolios, Ramji declined, emphasizing Vanguard's commitment to long-term reliability rather than following market trends. In a separate interview with ETF.com, Ramji stated that Vanguard is not in the business of making speculative bets on assets like Bitcoin, aligning with the investment philosophy the company has upheld for over five decades. Meanwhile, asset manager BlackRock has experienced significant success with its iShares Bitcoin Trust (IBIT), which has quickly become the company's most profitable ETF. According to Bloomberg's senior ETF analyst, Eric Balchunas, the IBIT is on track to reach $100 billion in assets under management soon. Balchunas highlighted the peculiarities of passive investing, noting that index funds require ownership of all stocks within the index, regardless of personal preferences. He commented that Vanguard's substantial exposure to MicroStrategy, a company closely associated with Bitcoin maximalism, underscores the unpredictable nature of passive investing. This development serves as a reminder of the complexities and unexpected outcomes that can arise in the world of investment management.

According to Odaily, the founder of Ark Invest, Cathie Wood, recently commented on the social media platform X, expressing her views on the Ethereum Foundation's initiatives in scalability and privacy. Although she admitted to not fully understanding all the technical details, Wood believes these efforts are crucial to maintaining Ethereum's leadership in the institutional sector. Previously, on July 10, the Ethereum Foundation announced plans to integrate zero-knowledge (zk) technology into Ethereum's Layer 1. This update is expected to bring significant changes in scalability and privacy, potentially influencing Ethereum's future development trajectory. #ETH

Forget Dogecoin; smart investors are looking at low-risk altcoins with real fundamentals, and Ripple (XRP) and Mutuum Finance (MUTM) are leading the charge. MUTM is valued at $0.03 in the fifth presale phase, which is over 65% sold. Those who invest in this phase will receive a 100% return on their investment after the token is listed. Over $12.1 million has already been raised, with a total of more than 13,100 early investors. During presale phase 6, the token will cost $0.035, representing a 16.67% return on investments made in Phase 5. Alongside this, XRP continues to hold strong as a reliable hedge in portfolios, backed by regulatory clarity and growing use in cross-border finance. XRP surpassing Dogecoin in 2025 XRP is consolidating a strong position over Dogecoin this summer, trading at approximately $2.45, partly due to clear regulatory milestones and increasing institutional integration. XRP recently surpassed the resistance level of $2.28, backed by Ripple's effort to obtain a banking charter in the U.S. and impressive technical breakouts driven by volume. Meanwhile, Dogecoin continues to bounce but remains strongly tied to meme-driven momentum and the influence of Elon Musk. With XRP supported by regulatory clarity and real-world utility in cross-border payments, it provides a more stable framework for long-term holders, and yes, there is still room for excitement, especially for those also tracking the breakout potential in Mutuum Finance (MUTM). The Mutuum Finance presale surpasses the $12.1M milestone The presale of Mutuum Finance has more than 13,100 investors and has raised over $12.1 million. Investors have acquired more than 65% of the tokens in phase 5. This indicates growing investor confidence in the short-term success of the project, as well as its bright future. Mutuum Finance launches an exciting giveaway frenzy Mutuum Finance (MUTM) is offering a $100,000 giveaway, divided among 10 winners of $10,000 in MUTM tokens. Additionally, the top 50 holders of Mutuum Finance will be rewarded under its newly introduced ranking system. As users level up, they will be rewarded with bonus tokens. How Mutuum Finance is transforming lending in DeFi Mutuum Finance (MUTM) is transforming DeFi lending by creating a platform that turns customers into the sole owners of their assets. It is a multifunctional dual lending system, incorporating the synergy of Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models. In P2C, loan pools are used through smart contracts. The platform is responsive to prevailing market conditions in real-time, an aspect that makes returns for lenders less volatile and borrowers financially stable. By eliminating intermediaries, the P2P model provides direct loans, which is particularly convenient in highly volatile assets like meme coins. While meme coins like Dogecoin have lost their luster in 2025, smart capital is flowing into more stable, utility-focused altcoins, and the numbers speak for themselves. Mutuum Finance (MUTM) has already raised over $12.1 million from more than 13,100 investors, with over 65% of Phase 5 tokens sold at just $0.03. Investors in this round are assured of a 100% ROI upon listing, with Phase 6 valued at $0.035. Backed by a robust dual lending protocol and a CertiK audit, Mutuum is redefining low-risk DeFi. At the same time, XRP, trading at $2.45, continues to prove itself as a regulatory safe haven, rich in utility, far surpassing DOGE. With both projects offering solid fundamentals and real-world applications, they are set to be two of the smartest bets in 2025. Secure your allocation of MUTM now before Phase 5 closes. For more information about Mutuum Finance (MUTM), visit the links below.

Hundreds of wallets are now switching from top-20 altcoins like Solana (SOL), Polkadot (DOT), and Cardano (ADA), according to recent on-chain data, and their destination is clear: Mutuum Finance (MUTM). This new DeFi protocol is rapidly gaining traction, not due to hype, but because of its solid utility, future-ready infrastructure, and a real yield model that resonates with smart crypto capital. Early believers are positioning themselves for returns of 100% or more, with many expecting even more once the token is listed. At this moment, Mutuum Finance (MUTM) is in Phase 5 of its presale, with a price of just $0.03 per token. With 72% already sold, over 13,000 holders, and $12.15 million raised, the demand is undeniable. Once Phase 6 begins, the price will increase by 20% to $0.035, making this one of the last opportunities to buy before MUTM doubles on the list ($0.06). Loan Models That Work for All Types of Assets Mutuum Finance (MUTM) will be built to offer real value, not just token speculation. Its Peer-to-Contract (P2C) loan model will be designed for top-tier assets like ETH, DAI, USDC, or BTC. Users will be able to deposit these into designated smart contracts and will earn dynamic interest based on borrower demand and pool utilization. The result? Passive yield generation will be backed by on-chain liquidity and secured by non-custodial contracts. But what will truly set Mutuum apart from other DeFi protocols will be its Peer-to-Peer (P2P) model. Here, users who hold more volatile assets like SHIB, PEPE, or DOGE will be able to unlock the value of their tokens without the need to sell. For example, someone with a large amount of PEPE will be able to over-collateralize their position and borrow USDT or DAI against it, unlocking liquidity while maintaining exposure to the upside of the original asset. These loans will be structured with flexible repayment terms, with no fixed maturity, and will be executed automatically through smart contracts. The entire loan system will operate through mtTokens, which will represent users' deposits and automatically accrue interest. These ERC-20-compatible tokens will also be stakeable in designated smart contracts to earn additional passive income from protocol revenues. This will make MUTM more than just a speculative play: it will function as a yield engine integrated into a secure and decentralized infrastructure. In addition to loans, Mutuum will develop its own decentralized stablecoin. It will be minted only through over-collateralized loans backed by on-chain assets like ETH. The system will automatically burn the stablecoin once the loans are repaid or liquidated, preserving a strict balance of supply and demand. Governed interest rates and arbitrage mechanisms will help ensure that its peg remains at $1, making it a central unit of value within the Mutuum ecosystem. Roadmap for Growth and Beyond Mutuum Finance (MUTM) is progressing through a carefully designed 4-phase roadmap. The main components of Phase 1, including the presale, smart contract audit, raffle launch, and AI-driven customer service, have already been completed. Upcoming deliverables include educational content and a compliance team. In Phase 2, Mutuum will begin developing its core smart contracts, DApp frontend, backend systems, and risk parameters, all regularly reviewed by internal and external auditors. Phase 3 will finalize these elements, launch a functional demo, and prepare for exchange listings. Phase 4 will take the platform live to market, enable token claiming, activate the bug bounty program, and expand into Layer-2 and multi-chain environments. Mutuum's smart contract audit score of 95.00 by CertiK, combined with its $50K bug bounty program, demonstrates the team's commitment to transparency and security as it scales. Investors who moved early are already seeing projected returns accumulate. A trader moved from Polkadot (DOT) at $0.80 and entered Phase 2 of the Mutuum presale with $8,000. With the listing set at $0.06, their projected portfolio now exceeds $24,000, and additional potential towards $0.09 would bring that to $32,000, showing a 4x return in just weeks. This is the last opportunity to accumulate below the $0.035 mark. With volume increasing, development advancing, and wallet flows accelerating rapidly, Mutuum Finance (MUTM) is not a speculative bet; it’s the kind of protocol investors wish they had entered before the explosion. The listing is approaching quickly. Those who hesitate now may find themselves buying at double the price in a matter of weeks.

A growing financial storm could hit the US dollar and Treasuries if President Donald Trump removes Federal Reserve Chair Jerome Powell from his position. According to Deutsche Bank, this scenario is being severely undervalued by the market, and if it occurs, the repercussions could be swift and brutal. The warning came from George Saravelos, the bank's global head of currency strategy, who told clients that the probability of Powell being ousted is too low, despite Trump continuing to ramp up pressure. Trump has already made it clear that he wants aggressive rate cuts and has hinted that he might name a replacement before Powell's term ends. Meanwhile, Powell has said he has no intention of stepping down, even if the president asks him to. He acknowledged cost overruns related to the building renovation but stated that claims of deception are 'totally misleading.' Powell's exit would hit the dollar and bonds hard. Saravelos said that if Trump goes ahead with Powell's ousting, the trade-weighted dollar could fall by between 3% and 4% in a single day. He also expects Treasuries to sell off, pushing yields up by 30 to 40 basis points. Such a blow would carry a permanent risk premium over both assets. He pointed to Polymarket, a cryptocurrency-based betting site, where the odds of Powell's ousting are below 20%, suggesting that investors have not recognized the danger. But it's not just about prices. Saravelos said the global financial system would feel the impact. Investors would likely see Powell's removal as a blow to the Fed's independence, throwing the institution into what he called 'extreme institutional coercion.' The Federal Reserve, at the top of the dollar-based monetary system, also controls swap lines with other central banks. If these become politically tainted, confidence in the Fed could collapse far beyond the US. How markets respond after the initial shock depends on whether other Fed officials defend the institution and what kind of person Trump chooses as Powell's successor. Saravelos also pointed out the fragile external financing position of the country as a key risk. If Powell's exit triggers a deeper panic, the dollar and bond markets could suffer even larger and more chaotic moves than currently predicted. Traders are ignoring the red flags on the calendar and the noise from tariffs. While Powell's position hangs by a thread, investors are acting as if everything is fine. Stocks are rising. Bitcoin is on the upswing. Credit markets are calm. The S&P 500 has jumped about 30% since its April lows during the last tariff panic. It has recorded eight all-time highs this year. But beneath the surface, things are changing. The index recently pulled back from overbought territory. The sectors that had lagged are getting attention, while those that were soaring are cooling off. Strategas Research noted that the bottom 20% of stocks during the past year gained 6.2% as they entered Friday. The top performers, meanwhile, went nowhere. Cyclical stocks and adjusted credit spreads suggest that investors are not too worried about a recession. Even Citi’s US Economic Surprise Index has returned to positive territory. Globally, markets look strong. Nvidia reached a $4 trillion valuation, but traders did not celebrate as they did when it crossed $3 trillion last year. Renaissance Macro Research said that the market's reaction now feels more contained. The Trump team's tariff threats returned last week, but nobody flinched. Unlike in the spring, traders now believe that only 25% of S&P 500 profits are exposed to tariffs, according to Deutsche Bank estimates. The market's relaxed posture could be risky. It assumes that Powell stays, that the economy avoids a recession, and that the AI boom continues to fuel corporate spending. It's a best-case scenario, not too different from 1998-1999, when an almost bear market was followed by a wild rally driven by technology. The danger is that traders think this clarity is permanent. It is not. And there is a timing issue. Data from Bespoke Investment Group shows that after July 15, S&P 500 returns tend to be weaker. In 2024, the market rose in July before selling off vigorously. A soft CPI report fueled hopes for rate cuts. The Nasdaq 100 fell, small caps rose, and hedge funds were forced to unwind carry trades. The S&P lost about 6-7% and did not recover until after the elections. Key Wire Difference: the secret tool that cryptocurrency projects use to secure guaranteed media coverage.