While BTC is Down 30%, This New Crypto Protocol Launches With 3x Growth

In early Q1 2026, the top cryptocurrency market is moving through a clear period of change. While prices across the market have pulled back, the mood among experienced investors is less about fear and more about repositioning. Capital is no longer chasing the highs of past rallies. Instead, attention is shifting toward ecosystems that offer utility rather than pure speculation.

As the largest assets in the space face notable declines, activity is quietly increasing around a specific protocol that is moving against the broader trend. This shift suggests the next crypto stage of the market will look very different from the last, with greater focus on projects that address real liquidity needs and practical use cases.

Bitcoin (BTC) 

Bitcoin (BTC) remains the clear market leader, but its growth profile has changed in recent months. It is trading around $67,000, roughly 20% below its recent cycle highs. With a market capitalization near $1.34 trillion, Bitcoin now faces heavy institutional profit-taking and slower ETF-driven momentum. While it remains one of the most secure networks, its size limits the kind of high-percentage gains seen in earlier years.

Technically, BTC continues to struggle below key resistance between $70,000 and $75,000. Until these levels are reclaimed, upside remains capped. In 2026, Bitcoin’s main challenge is scale. Moving the price now requires massive new capital. As a result, many investors are turning to smaller, cheaper altcoins for growth, while viewing Bitcoin more as a store of value than a high-return opportunity.

Mutuum Finance (MUTM)

As capital moves away from saturated giants, Mutuum Finance (MUTM) is emerging as a key option for investors looking for real utility. The project is being developed as a decentralized lending and borrowing hub that allows users to access liquidity while keeping ownership of their crypto.

The protocol is planned around a two-market structure to support different user needs. One model is a pooled system where users deposit assets into liquidity pools and earn APY based on demand. For example, depositing assets worth $1,500 at an 8% APY could generate passive income over time. These deposits are represented by mtTokens, which are designed to increase in value as interest is repaid.

Mutuum Finance is also developing a more flexible lending option intended for customized agreements between users. Across the system, risk is managed through Loan-to-Value (LTV) limits. With a 75% LTV, depositing $10,000 in collateral would allow access to up to $7,500 in liquidity. An automated liquidation mechanism is planned to monitor positions and help maintain platform stability if collateral values fall.

MUTM Presale Data

Mutuum Finance has been fuelled by an extremely successful and clear funding round. The project has already raised more than $20.4 million and now has over 19,000 individual holders in its community. The MUTM token is currently at Phase 7 of distribution and its price is at $0.04. 

This is a 300% increase compared to its first stage, Phase 1 price of $0.01, which is the 3x increase that early players already have achieved. Having a verified launch price of $0.06, the project is providing some kind of a clear run to value to the people joining the project before the actual listing.

The MUTM tokenomics are long-term sustainable. The overall amount of MUTM is 4 billion, and a precise amount of 45.5% is dedicated to the community presale. This is so that most of the project is owned by the people who support it in the initial stages. 

In order to make the community active, the project will include the 24-hour leaderboard which will reward the most active contributor of the day with a bonus of $500 in MUTM tokens. Joining is also extremely easy, since the site accepts direct credit cards, any person can join without the need to have a complicated exchange transfer.

Roadmap Milestones

Recent activation of the V1 protocol on the Sepolia testnet is the most important milestone in the Mutuum Finance roadmap. This action is where the conceptual design can be translated into a working system which any individual can test. 

The core lending flows are now in use, the minting of the mtTokens is being tried, and the automatic liquidation logic is being tested in a non-risky environment. This technical preparedness is one of the main causes why the Phase 7 of the presale is sold out so fast because it proves that the team is capable of doing what they promise to do even before the mainnet launch.

In the future, Mutuum Finance plans to launch a native over-collateralized stablecoin, which users can use as a stable medium of exchange and which depends on the interest received in the protocol. 

Then plans are also on Layer-2 optimization in order to minimize transaction costs and increase settlement speeds. A complete security audit with Halborn and high 90/100 rating of CertiK will strengthen trust in the project. With the Bitcoin and other established markets grappling with market saturation, the emphasis on verified security and functional utility has made Mutuum Finance a major player in the 2026 top crypto cycle.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance