Ripple (XRP) records new ETF inflows while Mutuum Finance (MUTM) protocol development advances

Institutional interest in XRP is picking up as ETFs tied to the asset attract fresh inflows. While attention remains on developments surrounding Ripple, Mutuum Finance (MUTM) is pushing ahead with the development of its lending and borrowing protocol.

XRP draws institutional interest 

Institutional demand for XRP has continued to show signs of strength in early 2026, even as the asset trades within a tight range. XRP-focused exchange-traded products recorded $106.8 million in inflows during February, followed by another $1.9 million in the week ending February 27. Altogether, net inflows into these products have reached about $153 million this year, reflecting steady institutional participation.

Network activity on the XRP Ledger also increased during the same period. The blockchain processed more than 1.5 billion XRP in transfers, largely driven by large internal transactions and settlement-related movements. Even with stronger inflows and higher network activity, XRP’s price remains technically constrained. The asset is currently approaching resistance near $1.3880, a level that has limited upward movement in recent sessions. A break above this point could open the door for further gains, but if the price fails to move past it, XRP may remain in a consolidation range.

On the downside, support levels are forming at $1.3320 and $1.3085. If the price falls below $1.3085, the next downside targets appear near $1.2880 and possibly $1.250 if selling pressure increases.

Mutuum Finance 

Mutuum Finance (MUTM) has secured over $20.75 million in funding as it develops a decentralized lending and borrowing platform aimed at providing an alternative to traditional banking. The price per MUTM token is $0.04, while the holder count stands at 19,070. The protocol enables users to earn yield by lending digital assets or access funds by borrowing against collateral through smart contracts. 

Protocol updates 

Mutuum Finance (MUTM) has announced key updates to its V1 Protocol, specifically the launch of Safe-Mode Borrow Presets. This feature gives users one-click borrowing options that automatically adjust positions based on predefined Stability Factor targets (Safe, Balanced, or Aggressive), making risk management simpler by aligning borrowing limits with deposited collateral.

For example, a user depositing $10,000 worth of ETH as collateral might choose the Safe preset, which targets a Stability Factor of 2.0 or higher. The system would then limit the borrowing amount to around $4,500–$5,000 in USDC to keep a large buffer against liquidation if the price of ETH declines.

Testnet features

Mutuum Finance debuted V1 Protocol on the Sepolia testnet earlier this year. Users can supply assets, mint mtTokens, and test borrowing mechanics with no real funds involved. Supported test assets include ETH, USDT, WBTC, and LINK.

• mtTokens: Lending generates mtTokens as proof of deposit, which accrue interest over time. Users can also stake mtTokens to earn additional rewards in MUTM. Here, a portion of protocol fees is used to buy back MUTM from the open market before being distributed to stakers.
• Debt Tokens: When a borrower takes out a loan, they are issued debt tokens that represent the total amount owed. These tokens help both the borrower and the platform monitor and manage repayment responsibilities.

Before the testnet launch, Halborn Security audited Mutuum Finance’s lending and borrowing smart contracts to ensure a secure environment for users. Total Value Locked (TVL) has surpassed $200 million, with more protocol updates in the pipeline.

XRP is drawing renewed institutional interest with $106.8 million in February ETF inflows and rising network activity, though its price remains capped below resistance at $1.388. Meanwhile, Mutuum Finance (MUTM) is advancing protocol development, rolling out Safe‑Mode Borrow Presets during its testnet. The protocol is rolling out user-focused DeFi infrastructure while maintaining secure, on-chain functionality through audited smart contracts.

Disclaimer: This is a paid post and should not be treated as news/advice.