Dubai, UAE, February 22, 2026
Bitcoin is attempting to stabilize after a sharp market sell-off, but uncertainty remains high as traders assess whether the current consolidation marks a temporary pause or the start of another leg down. While BTC hovers between key technical levels, parts of the crypto market continue to show expansion — including Mutuum Finance (MUTM), which has now surpassed 19,000 holders during its ongoing presale.
Can Bitcoin Hold Its Current Levels?
Bitcoin continues to consolidate between $65,000 and $70,000 after closing multiple consecutive weeks in the red. Despite stabilization attempts, the market still lacks a decisive surge in demand capable of pushing BTC sustainably above $70,000. On-chain data shows structural pressure remains, with adjusted SOPR hovering in stress zones historically associated with late-stage bear market conditions.
The $60,000 level remains a critical support area — psychologically, technically, and from a liquidation standpoint. A breakdown below that threshold could trigger significant long liquidations, while a 10% upside move would liquidate billions in short positions. ETF flows, once dominant in 2024 and 2025, have cooled recently, reinforcing the broader slowdown in aggressive institutional buying.
Some analysts argue that $55,000 could represent a potential cycle floor based on on-chain metrics, while others warn that deeper downside cannot be ruled out. In short, Bitcoin is stabilizing — but conviction remains fragile.
As Bitcoin Consolidates, Investors Explore Emerging Opportunities
While Bitcoin battles macro uncertainty, parts of the market continue to show growth. One project drawing attention during this stabilization phase is Mutuum Finance (MUTM).
Mutuum Finance has now surpassed 19,000 holders, raised over $20.6 million, and sold more than 850 million tokens out of the 1.82 billion allocated for presale. With nearly half of the presale allocation already secured, the available supply at current pricing continues to tighten.
Structured Presale Progression and Discounted Entry
Mutuum Finance is currently in Phase 7, with MUTM priced at $0.04. The confirmed launch price stands at $0.06. The presale began at $0.01 in Phase 1. From $0.01 to $0.04, the token reflects a progression during presale stages. Upon launch at $0.06, that represents a increase from the initial offering price.
Despite this progression, $0.04 remains below the confirmed launch valuation — meaning the token is still available at a discounted level relative to its intended public debut. With nearly half of the allocation already sold, the remaining supply at this stage is limited.
How Mutuum Finance Lending and Borrowing Works
Mutuum Finance is building a decentralized lending and borrowing protocol based on overcollateralization and on-chain transparency.
Lending Example:
Suppose a user deposits $10,000 worth of supported assets into the protocol with an average APY of 8%. At that rate, the user could generate approximately $800 annually (assuming stable yield conditions). When supplying assets, users receive mtTokens, which represent their deposit position and automatically accrue yield over time.
This allows holders to generate without selling their assets.
Borrowing Example:
Consider a user holding ETH who believes its price may increase over time. Instead of selling ETH to cover expenses, the user can deposit ETH as collateral and borrow stablecoins against it. If ETH appreciates while the borrowed funds are used elsewhere, the user retains upside exposure.
mtTokens, Staking, and Future Dividends
mtTokens represent supplied assets and continuously accumulate yield. In addition to accrual, Mutuum Finance plans to enable staking mechanisms where mtToken holders may benefit from future revenue-sharing models.
The project has outlined a buy-and-distribute mechanism, where a portion of protocol-generated revenue could be used to purchase MUTM tokens from the open market and distribute them to eligible participants. This model is designed to create sustained ecosystem incentives and long-term utility.
V1 Protocol Already Live on Testnet
The team has already launched its V1 protocol on the Sepolia testnet, allowing users to explore core lending and borrowing features in a simulated environment. Users can mint mtTokens, test borrowing flows, and observe how health factor monitoring and liquidation systems operate — all without using real assets.
This live testnet deployment demonstrates ongoing development as the project moves toward mainnet readiness.
To further encourage participation, Mutuum Finance is running a $100,000 giveaway, where 10 winners will receive $10,000 worth of MUTM tokens each. Participation requires a minimum presale contribution and completion of listed tasks.
Additionally, the project features a 24-hour leaderboard, where the top contributor over a full cycle receives a $500 bonus in MUTM tokens. The leaderboard resets daily, adding a competitive incentive layer to the presale phase.
Still Early in the Cycle
While Bitcoin faces macro uncertainty and questions about potential further downside, emerging protocols like Mutuum Finance continue advancing through structured presale stages and active development.
With over 19,000 holders, $20.6 million raised, and nearly half of presale tokens already secured, Mutuum Finance remains in its early distribution phase — with MUTM still available at $0.04 before the confirmed $0.06 launch price.
As the broader crypto market attempts to stabilize, early-stage infrastructure projects may attract attention from investors positioning ahead of the next major cycle shift.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer:
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry risk, including total loss of capital.
All market analysis and token data are for informational purposes only and do not constitute financial advice. Readers should conduct independent research and consult licensed advisors before investing.
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