The token’s decline follows a broader correction across the crypto market as Bitcoin retraces gains, but what’s drawing deeper attention is the quiet movement of large investors toward a new crypto coin, Mutuum Finance (MUTM). While XRP remains a cornerstone of cross-border payments innovation, the smart money appears to be redirecting capital toward this emerging DeFi protocol, which many now label as the best crypto to buy now before its presale concludes.
Despite its history as a blockchain solution for global payments, Ripple’s current trajectory looks uncertain. Technical indicators suggest short-term bearish sentiment, confirming investor Andri Fauzan Adziima’s view that the market could test lower levels before any rebound. Ripple has made major strategic expansions, introducing the Ripple USD (RLUSD) stablecoin backed by BNY Mellon, acquiring brokerage platform Hidden Road for $1.25 billion, and preparing for potential spot XRP ETFs that could launch soon.
Even with such developments, whales appear cautious. Data shows XRP’s buyback program and recent $500 million funding round have not reversed its short-term downtrend. Many large holders are repositioning into alternative projects with higher potential upside and tangible progress. As Ripple’s valuation climbs toward $40 billion, traders looking for asymmetric opportunities are turning their focus to what crypto to invest in that still offers early-entry leverage, a role increasingly filled by Mutuum Finance (MUTM).
Mutuum Finance (MUTM) is rapidly approaching the sellout of its Phase 6 presale, which is now 90% filled. The current token price is $0.035, up 250% from the first phase’s $0.01 price. So far, $18,700,000 has been raised and 17,950 holders have joined since the presale began. Phase 7 will open next with a nearly 20% price jump to $0.04, before MUTM’s confirmed launch at $0.06. At these valuations, investors entering now stand to gain around 400% ROI after launch, a projection that’s hard to ignore.
Momentum around the presale is building fast. As the countdown to sellout intensifies, hesitation could mean missing one of the few tokens priced under $0.04 that still maintains full transparency. The project’s consistent updates, verified audits, and structured phase model have drawn both retail buyers and institutional participants. Those searching for the best cryptocurrency to invest in during the ongoing market correction are recognizing this presale as an accessible, strategic move before higher listing valuations arrive.
Mutuum Finance (MUTM) has amplified engagement through a $100,000 giveaway, awarding ten winners $10,000 each in MUTM. This initiative, coupled with its 24-hour leaderboard that rewards the top daily contributor with $500 MUTM, is driving round-the-clock participation. These interactive programs have strengthened community retention and positioned Mutuum Finance (MUTM) as one of the top cryptocurrencies with real participation incentives.
Beyond its presale, Mutuum Finance (MUTM) confirmed that its V1 protocol will debut on the Sepolia testnet in Q4 2025. This development marks the project’s transition from fundraising to product execution. The V1 rollout will include a Liquidity Pool, mtToken, Debt Token, and Liquidator Bot, components vital to its dual lending model that will handle ETH and USDT in its initial phase.
The testnet will serve as a public demonstration of Mutuum’s operational capacity, setting the stage for mainnet launch. Investors view this milestone as validation that Mutuum Finance (MUTM) is delivering on its roadmap, something many presale projects fail to achieve. As a result, whales are quietly accumulating while retail interest grows, seeing it as one of the best cryptos to buy now before testnet confirmation triggers the next wave of attention.
Ripple’s long-term potential remains, but whales appear to be hedging their positions toward tokens that combine progress, structured returns, and verifiable milestones. Mutuum Finance (MUTM) offers precisely that formula, an active presale, confirmed upcoming V1 launch, and consistent engagement programs that enhance holder value. As Phase 6 closes in on completion, investors deciding which crypto to buy today for long-term growth may find that Mutuum Finance (MUTM) represents the kind of early-stage entry that turns patience into substantial profit.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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Bitcoin (BTC)
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Ethereum (ETH) is down by 9.2%, now changing hands at $3,208. This, along with Lido Staked Ether (STETH), is the highest fall in the category.
Solana (SOL) is in in the second place, having dropped 8.6% to the price of $142.
The smallest fall is 2.3% by Tron (TRX), which now stands at $0.2927.
When it comes to the top 100 coins, only four are green. Among these, Zcash (ZEC) appreciated the most, rising to the price of $507.
Leo Token (LEO) follows with a 2% rise to $9.17.
On the other hand, three coins saw double-digit drops. Story (IP) fell 15%, now trading at $3.34.
It’s followed by Aave (AAVE)’s 13.6% and Hedera (HBAR)’s 10.4% to $185 and $0.1606, respectively.
‘Bitcoin Appears To Be Fighting One Battle After Another’
Nic Puckrin, crypto analyst and co-founder of The Coin Bureau, argues that the “crypto market has been struggling to regain momentum since October’s pandemonium.”
“Bitcoin appears to be fighting one battle after another, dragged down by US dollar strength and higher Treasury yields, long-term holders selling, and macro uncertainty,” he says.
Puckrin finds it “unsettling” to see crypto and tech stocks diverging when they typically move in lockstep. This dynamic shows that BTC “isn’t just a proxy for the Nasdaq.”
Rather, it’s more sensitive to macro headwinds and liquidity concerns and is “perfectly positioned to break out once those concerns dissipate.”
Notably, as the US re-opens and data starts flooding back in, “we may see the BTC price wobble over the coming weeks.”
The real test could be the interest rate decision in the US on 10 December. Still, “it remains likely that the news will be positive, which could set the stage for a Santa rally in crypto and other risk assets,” Puckrin concludes.
Moreover, Dom Harz, co-founder of BOB, commented on institutional involvement in BTC as the coin’s price drops below $100,000.
“Despite recent price movement, 2025 has been the year of institutional investment into digital assets, with institutions now holding over 4 million BTC,” Harz writes in an email commentary.
These institutions are “increasingly looking to store excess cash in DeFi vaults for higher-yield opportunities. These two movements are converging with Bitcoin DeFi; moving the world’s biggest digital asset beyond a store of value and into a yield-generating asset. “
He continues: “As this mainstream appetite for DeFi grows, serious technological advancements are unlocking Bitcoin’s utility. Key players in institutional crypto and Bitcoin DeFi adoption are opening up access to BTCFi, where institutions can leverage yield-bearing opportunities for their BTC holdings. Bitcoin DeFi is poised to be at the forefront of the global financial system – from Wall Street to Main Street.”
Levels & Events to Watch Next
At the time of writing on Friday morning, BTC fell below the $100,000 mark and to the $96,000 level, now standing at $97,033.
The coin has dropped from the intraday high of $103,737 to the low of $96,170. It’s now down 4.7% in a week, 13.7% in a month, and 22.9% from its all-time high.
We may see BTC pull back towards $94,500 and further towards the $90,000 level. A higher plunge could drag it lower. Conversely, if there is a change in course, the coin could climb back above $100,000 and move towards $103,000.Bitcoin Price Chart. Source: TradingView
Ethereum is currently changing hands at $3,208. It plunged from today’s high of $3,545 to the currently lowest point of $3,126.
Over this past week, it has been trading between $3,172 and $3,633. ETH is down 4.3% in a day, 22.2% in a month, and 35.1% from its ATH.
ETH may continue dropping today and over the next few days. Should that happen, it could retreat below the $3,000 level – far from the near-$5,000 zone where it stood just weeks ago. If there is a market rebound, the coin could return to the $3,500 territory and potentially $3,650.
Ethereum (ETH)
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Meanwhile, the crypto market sentiment has decreased again, holding firmly to the fear zone and moving to extreme fear. The crypto fear and greed index fell from 25 yesterday to 22 today.
Some investors are selling assets, driven by fear and worry over the continuously falling prices. If the market continues to ride this instability, it may decline further.
However, if assets are oversold, as high fear can sometimes indicate, the market could potentially see a rebound. Undervalued prices could also present a potential buying opportunity.Source: CoinMarketCap
ETFs See Significant Outflows
On Thursday, the US BTC spot exchange-traded funds (ETFs) recorded $869.86 million in outflows, the highest since February 2025 and the second-highest on record. The total net inflow is back down to $60.21 billion, but it still stands above $60 billion.
Ten of the 12 BTC ETFs recorded negative flows, and there were no positive flows. Grayscale let go of $256.64 million. It’s followed by BlackRock’s $256.64 million. One more triple-digit is $119.93 million by Fidelity.Source: SoSoValue
At the same time, the US ETH ETFs continued their outflow streak, recording another $259.72 million leaving on 13 November. The total net inflow pulled back to $13.31 billion.
Five of the nine funds recorded outflows. There were no positive flows. BlackRock is the reddest among these, letting go of $137.31 million. Grayscale follows with $67.91 in outflows.Source: SoSoValue
Meanwhile, Canary Capital’s XRPC, the first US spot exchange-traded fund offering direct exposure to XRP, made its debut on Thursday with $58 million in trading volume.
Such notable opening performance indicates that there is a rising institutional appetite for exposure to other major assets, besides BTC and ETH.
Quick FAQ
Why did crypto move against stocks today?
The crypto market has decreased again over the past day, and the stock market closed sharply lower on Thursday, dragged by technology shares. By the closing time on 13 November, the S&P 500 was down by 1.66%, the Nasdaq-100 decreased by 2.05%, and the Dow Jones Industrial Average fell by 1.65%.
Is this drop sustainable?
The market may see an extended downturn over the next few days as investors’ worries persist. However, should there be macroeconomic and/or geopolitical signals that would ease these concerns and reassure investors, the market could see a rebound.
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