As the SEC vs Ripple lawsuit is coming to an end with the blockchain firm paying a $50 million penalty, developments on an XRP ETF are gathering pace once again. In his latest Bloomberg interview, CEO Brad Gralinghouse said that it’s important to have this exchange-traded fund, while just falling short of accepting that they are working with the world’s largest asset manager, BlackRock. XRP price movement has been relatively mute to this development, while industry players expect a $3 breakout soon.
Are Ripple and BlackRock Exploring Potential XRP ETF?
In his recent Bloomberg interview, Ripple CEO Brad Garlinghouse was asked whether they are collaborating with BlackRock to launch an XRP ETF in the US. Although Garlinghouse didn’t explicitly accept such a collaboration, he sparked speculation by stating, “We think it makes sense for the XRP community overall”.
The prospect of a BlackRock filing for an XRP ETF in 2025 has captured the attention of the crypto community. Many believe that once the regulatory wall over Ripple is removed, asset managers will rush in the second-half of the year to bring a Ripple ETF to the market. Furthermore, Ripple CEO Garlinghouse is also confident that XRP would make it to the US Digital Asset stockpile.
Adding to the discussion, Crypto.com CEO Kris Marszalek highlighted the transformative potential of XRP ETFs. He predicts that the development could attract $8 billion in inflows following the approval.
Ripple Drops Cross-Appeal Against US SEC
The long-running Ripple vs SEC lawsuit has finally come to an end as the blockchain startup has decided to no longer pursue the cross-appeal against the securities regulator. The resolution involves a $75 million refund to Ripple, following the SEC’s decision to drop its appeal and Ripple abandoning its cross-appeal.
This settlement concludes a case that initially resulted in a $125 million penalty against Ripple. With the refund, the company’s net payment to the SEC amounts to $50 million. Under the Trump administration, the SEC has softened its stance, while putting a greater focus on establishing clear crypto regulations.
XRP Price Surge to $3 Soon?
Amid the current development and hopes for XRP ETF, the XRP price has given a muted response as it continues to face strong rejection at $2.50 levels. Despite this, market analysts have made bold predictions, expecting the XRP price rally to continue at $15 and beyond.
Sharing the XRPUSDT chart, popular crypto trader Seyma stated that she’s more bullish on the Ripple cryptocurrency in comparison to other altcoins. “My weekly target is $3-$3.24 i never give investment or trading advice just noted to myself,” she wrote.
As the crypto market regains momentum, investors are shifting their focus back to altcoins—and this time, the spotlight is on projects with actual value, not just hype. While some tokens are still trading on past reputations, others are building quietly with utility at their core. One standout is Mutuum Finance (MUTM), a DeFi token currently in presale at just $0.025, steadily drawing attention from early-stage investors.
With altseason on the horizon, many are betting that MUTM could be one of the best crypto investments to make before the market takes off. Here’s why.
Mutuum Finance (MUTM)
Altcoin rallies don’t begin when everyone’s talking about them—they start quietly, often with undervalued tokens being accumulated while prices remain flat. That’s where the real gains are made. Once the momentum picks up across the board, the tokens that were already positioned with strong fundamentals tend to outperform.
Mutuum Finance fits this setup perfectly. It’s not trying to be the loudest project in the room—it’s focused on building a system where long-term holders and early participants benefit directly from how the platform is used.
Mutuum is built around a straightforward yet effective framework. Users can deposit crypto assets like ETH or stablecoins and receive mtTokens in return. These tokens represent their balance and increase in redeemable value over time, as interest from borrowing activity accumulates automatically.
This passive return model doesn’t require active management. Users don’t need to track rates or manually claim anything—just holding mtTokens allows them to grow value over time. It’s an appealing mechanism for those looking for exposure to DeFi without constant interaction or complexity.
What makes this model even more effective is how the protocol supports its native token, MUTM. Part of the platform’s revenue is regularly allocated to purchasing MUTM tokens from the market, which are then distributed to active participants in the ecosystem. That’s a closed loop that creates ongoing buy pressure while rewarding active participants.
The early response to Mutuum’s presale confirms that interest in real DeFi utility is far from gone. Over 8,300 holders have already joined the project, with $6.9 million raised to date. This isn’t just a sign of hype—it’s a reflection of growing confidence in the protocol’s direction and structure.
While many low-cap tokens rely on speculation or social momentum, MUTM is different. It’s tied to a functioning system that produces value from actual user activity. As DeFi continues to evolve, that kind of backing matters.
And unlike other presales that delay product development, the team behind Mutuum has made it clear: a beta version of the platform will be released in line with the token launch, putting functionality in the hands of users from day one.
With a launch price projection that significantly exceeds the current $0.025 presale entry, analysts expect MUTM to deliver at least a 26x return in the weeks following its listing. That would push the token closer to $0.65, which is still modest compared to some of the exaggerated forecasts surrounding other DeFi names.
But what gives this target credibility is the system behind it: real demand driven by lending activity, a token model that encourages long-term holding, and a growing user base that’s already aligned with the project’s goals.
MUTM’s value increases in step with real platform activity, unlike meme tokens that depend on hype and short-lived attention. That makes it one of the best cryptos to buy now for those seeking more than just a short-term swing.
Crypto markets reward early positioning—and right now, Mutuum Finance is still under the radar for many. With a token model rooted in utility, consistent buy pressure, and passive income for engaged users, it offers far more than just a speculative play.
At $0.025, MUTM presents a rare combination of low entry and high conviction—and that’s exactly what investors are looking for before the next vertical move in altcoins begins.
For more information about Mutuum Finance (MUTM) visit the links below:
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As the crypto market regains momentum, investors are shifting their focus back to altcoins—and this time, the spotlight is on projects with actual value, not just hype. While some tokens are still trading on past reputations, others are building quietly with utility at their core. One standout is Mutuum Finance (MUTM), a DeFi token currently …
Financial commentator Patrick Bet-David says the XRP price can rise to $1,000 per token if manages to snag a portion of SWIFT’s transaction volume. Only 5% of SWIFT’s volume will see token prices soaring to $100 with Bet-David highlighting potential stumbling blocks.
XRP Price To Clinch $1,000 In The Near Future
According to Bet-David, XRP has a chance to reach the $1,000 mark after a lengthy period in the doldrums. To achieve the milestone, the financial commentator disclosed that XRP will have to match SWIFT’s transaction volume but even a slice will send prices rallying.
SWIFT, a global payments processing platform, processes $5 trillion daily or $1.24 quadrillion annually. Bet-David argues that the XRP price can reach $100 if the XRP Ledger can handle between 5%-10% of SWIFT’s daily volume. Per the analyst, the ledger will have to process $125 million annually to reach 10% of SWIFT’s transaction volume.
In order to reach $1,000 per token, the XRP Ledger has to fully match the entirety of SWIFT’s transaction volume. At the moment, the XRP Ledger only handles a fraction of the volume but rising institutional adoption sees it inch forward.
Stablecoins on the ledger like RLUSD are tipped to lead the charge to grab a portion of SWIFT’s daily transaction volumes. There is growing enthusiasm that XRP can be the cornerstone of US financial policy as it turns toward stablecoin adoption. For Bet-David, a jolt will come in the form of an SEC case dismissal, setting it up for borader institutional investment.
“Analysts estimate that a $10 trillion market cap could push XRP’s price to $100 per token, with full replacement potentially driving it to $1,000,” said Bet-David.
XRP Recovers After A Steep Price Crash
XRP price is trading at $2.20 climbing by an impressive 6% over a 24-hour period. The recovery follows a week marred by declining values and rising whale activity in the ecosystem.
Despiute the small rally over the day, XRP has lost over 10% in the last seven days, sparking fears that XRP has topped in this cycle. Despite the decline, the network has a streak of positives going on for it as a silver lining for investors.
XRP active addresses surged to 1.15 million in the middle of a steep market correction, signaling a market frenzy. In upbeat XRP news, Franklin Templeton has filed for an XRP ETF, accentuating a wave of positivity for the beleagured network.
In conservative fashion, market expert Dark Defender says XRP can hit $280 by 2027 if the 2017 bull run repeats itself.
After numerous Congressional debates and revisions, the GENIUS Act is now on the verge of becoming law. The bill, which aims to regulate the stablecoin industry across the United States, is widely expected to be signed.
According to representatives from Digital Chamber, a D.C.-based advocacy group for the blockchain industry, the bill approval will likely come before the end of June. Such a move would increase institutional adoption and strengthen the US dollar’s dominance globally.
When Will the GENIUS Act Pass?
Poised for passage, the GENIUS Act is a landmark bill that would federally regulate the US stablecoin industry.
Despite recent disagreements between Republican and Democratic Senators, the bill passed a key procedural vote. Kristopher Klaich, Policy Director at The Digital Chamber, strongly believes in its impending approval.
“I feel pretty strongly that there won’t be more hiccups… I think the industry has been such a strong player in politics for the last couple of years and supporting campaigns… there’s a high cost for members that may be the stick in the mud,” he told BeInCrypto.
According to Taylor Barr, the advocacy group’s Government Affairs and PAC Manager, 53 amendments have been made.
“Majority leader Thune is committed to having what he’s calling a fully open amendment process, which means every single amendment has the full right to go through a debate vote and to have full closure on each amendment. So at the end of the day, that could be a three-week-long process,” Barr told BeInCrypto.
However, Barr clarified that a fully open process with 53 individual debates is unlikely. He expects these amendments to be divided into three or four groups, resulting in a more efficient and abbreviated open amendment process, given that many are duplicative.
If Barr’s estimations are correct, the bill will pass before the end of this month. When it does, the significance will be substantial for the greater crypto industry.
Understanding Stablecoin Impact
Stablecoins are arguably the most globally adopted digital asset. Unlike traditional cryptocurrencies like Bitcoin or altcoins, they provide worldwide access to a stable medium of exchange.
According to a January report by crypto exchange CEX.io, the total stablecoin transaction volume reached 27.6 trillion in 2024, exceeding Visa’s total payment volume and Mastercard’s by 7.7%.
Tether and Circle dominate the market at $151 billion and $59 billion, respectively. Together, they have an 89% market share, according to rwa.xyz.
Tether and Circle dominate stablecoin market share. Source: rwa.xyz.
Their heavyweight presence in global economies makes a bill like the GENIUS Act all the more significant. This is especially true in the context of a debilitated US dollar.
The Dollar’s Waning Influence
The US dollar started the year exceptionally weakly. Two days ago, the US Dollar Index (DXY)—a key measure heavily influenced by the euro—fell nearly 9% to just under 99. The results marked its weakest calendar year opening since at least the mid-1980s.
This situation and broader de-dollarization efforts by major US debt holders like China and Japan intensify concerns about the dollar’s future.
US Dollar Index Continues to Decline. Source: Yahoo Finance
Data from Ark Invest illustrates this shift. In 2011, these three nations held 23% of the $10.1 trillion in outstanding US Treasury debt.
By November 2024, despite the total outstanding US Treasury debt rising to $36 trillion, their combined holdings had dropped significantly to approximately 6%.
This substantial decrease in holdings by key foreign creditors highlights growing worries about the dollar’s long-term stability and the United States’ ability to refinance its massive debt.
“Dollars are the world reserve currency. Demand for dollars has waned at the sovereign level. Over recent years, the largest purchasers of treasuries are cutting their holdings of treasuries. That is not a good situation for the United States as they try to refinance,” Klaich said.
Klaich added that legislation like the GENIUS Act is crucial:
“In my mind, there’s very little more important than the stablecoin bill being passed from an macroeconomic perspective… If demand for dollars diminishes at the sovereign level, structurally speaking, if that is or can be replaced by demand at a retail individual level, that is a huge boon to the US government.”
The data behind Klaich’s statements seems to back his analysis.
What Role Will Stablecoins Play in Future US Debt Demand?
The stablecoin market is poised for significant growth. According to an April report from Citigroup, the total stablecoin supply could reach $1.6 trillion by 2030. This growth could create a demand for US debt comparable to the historical levels supported by sovereign nations.
Stablecoin issuers could be one of the largest holders of US treasuries by 2030. Source: Citigroup.
The GENIUS Act could facilitate this transition.
“Hopefully, when it passes, demand for stablecoins will explode because there are many companies and banks that are planning to introduce stablecoins that will provide the rails for them to operate at a consumer and business level. So the efficiencies companies and individuals realize will help push that,” Klaich explained.
“It allows anybody in the world to access US dollars. What that affords the US from an economic warfare standpoint is significant,” Klaich added.
With persistent inflation risks, the Federal Reserve is unlikely to buy back significant amounts of US treasuries. Therefore, encouraging stablecoin use allows this market to effectively replace currently ineffective financial mechanisms.
Amendments to the Bill
If the GENIUS Act is implemented correctly, the stablecoin industry could become a valuable financial tool for the US government to ensure long-term support for the US dollar.
The bill underwent a difficult revision process. According to Barr, the process was tedious and politically challenging.
“If you look at all of the progress we’ve made, we’ve worked on this for three Congresses now. We’ve worked on this [through] multiple different leaderships– minority, majority split. So we’re so close. We’ve done all this progress so we can see the finish line. We’re going to get there,” he said.
However, multiple revisions were a prerequisite for its passage to ensure the bill responsibly addressed consumer protection, national security, and market integrity issues.
Klaich noted that these critical concerns were addressed fairly in the legislative process. He emphasized that recent versions of the bill effectively integrated these revisions.
“None of those issues are existential, and they’ve been negotiated into the latest version of the bill that’s being considered right now. I think the changes that have been made are reasonable and acceptable,” he said.
The future will reveal if the bill passes and achieves its desired effect in helping the US overcome its complicated economic reality.
