2025-6-12 08:26 |
In late May 2025, Ripple (XRP) shared a blog post in which it shared how XRP could be used as a genuine replacement for SWIFT.
The blog post noted that the current system has many deficiencies, as it still relies on manual systems.
The blog post noted that a typo, an incorrect SWIFT code, or even incomplete instructions can cause a payment to fail.
The post noted that failed payments often cost time and money, and can strain relationships between customers and partners.
As a replacement, Ripple Labs proposes the use of Ripple Pay, which utilizes blockchain technology and the XRP coin.
Analysts have argued that if XRP were to replace SWIFT, it could cut costs for cross-border payments and increase the value of XRP.
However, some point out that this is not likely to happen any time soon.
While XRP could have some massive gains in the long term, those are not guaranteed like with Mutuum Finance (MUTM).
Analysts are forecasting that Mutuum Finance (MUTM) could rise by as much as 2,456% when it goes live in the first few days.
Optimism on Mutuum Finance (MUTM)One of the reasons why there is so much optimism when it comes to Mutuum Finance (MUTM) is the unique design of the protocol.
The Mutuum Finance protocol allows users to participate as lenders, borrowers, or liquidators.
As lenders on the platform, they deposit their assets to earn interest. The interest that they earn is based on the utilization rate of the pool.
When more borrowers take loans from a pool, it raises the utilization rate, which increases the interest rate.
This rising interest rate encourages borrowers to pay back loans, while lenders are incentivized to deposit more funds into the pools for the higher yields.
Over time, this helps to balance the interest rate, ensuring optimal capital efficiency.
MtTokens and liquidity management on Mutuum Finance (MUTM)When a lender deposits assets in a pool, they get mtTokens in exchange. These tokens represent the value of their deposit plus any interest that is accrued.
Users can redeem their mtTokens at any time.
That could happen because there are too many borrowers active in a pool, making it hard to honor all redemptions immediately.
Mutuum Finance (MUTM) has a perfect solution for this shortcoming. It will foster external pools on DEXs and automated market makers where users can trade mtTokens for their underlying assets.
In other words, this will reduce reliance on internal pools, while opening more trading opportunities for mtToken holders.
On decentralized exchanges like Beyond and Uniswap, Mutuum Finance will encourage the creation of pools that pair with mtTokens such as mtETH, mtUSDT, and much more.
If a user holds an mtETH token, and there is not enough ETH in the primary pool, they can swap their mtTokens for ETH on the external pools.
They can also swap them out for any other token that meets their needs.
Mutuum Finance (MUTM) also plans to create specialized stable pools modeled on Curve, for stablecoins and correlated assets.
They will create specialized AMM pools, which will fulfill the swapping needs of mtToken holders. It will minimize slippage while ensuring users get optimal rates.
A major benefit of external pools is that users can redeem base assets fast when the internal pools are low due to high borrower demand.
It will also reduce liquidity pressure on the pools, which could lead to liquidity depletion.
Alongside the external pools, Mutuum Finance (MUTM) will run a liquidity reward program. In this program, liquidity providers will get rewards in MUTM tokens to increase liquidity in the protocol.
As such, the external pools are only envisioned as a measure of last resort, since liquidity will be quickly added to the pools if it starts to drop through incentives.
Mutuum Finance will also have funds available through protocol fees, including the reserve factor, which can be used to stabilize the liquidity.
Overall, Mutuum Finance will have many layers of protection for liquidity providers, ensuring that the protocol is always available to help users achieve their goals.
MUTM token presale detailsThe Mutuum Finance (MUTM) token presale is currently in phase 5, where over $10.4 million worth of MUTM tokens have already been sold.
So far, around 11,900 presale participants have secured their tokens.
Tokens in the current phase are selling for $0.03, a 200% increase from the phase 1 price of $0.01. In the upcoming phase 6 of the presale, the token price will increase by 16.67% to $0.035.
The increase in phase 6 will reduce the guaranteed ROI from 100% in phase to 71.43%. While still impressive, nothing beats a 100% ROI.
To take advantage of this rare opportunity, you only need to connect your wallet to the MUTM presale dashboard. You can then purchase as many of the presale tokens as you want.
If you purchase over $50 worth of MUTM tokens, you are automatically entered into the ongoing $100,000 giveaway.
This will give you an opportunity to be one of the ten lucky winners who will receive $10,000 worth of MUTM tokens each.
This is one life-changing opportunity that you should not let pass you by.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
The post XRP plans to replace SWIFT: why this could boost MUTM price appeared first on Invezz
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