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For years, investors relied on the same small group of large-cap altcoins to carry their portfolios through every cycle. However, a major shift is currently underway. History shows that as an asset class matures, the biggest gains often move away from the established giants and toward the “technical innovators.” 

We are currently seeing a pattern where capital is rotating out of expensive cryptocurrencies and into early-stage new cheap crypto protocols that are just beginning their utility cycle. This foreshadows a market where the top performers of 2026 will not be the coins everyone already knows, but the ones that are just now completing their core infrastructure.

Cardano (ADA)

As of mid-February 2026, Cardano (ADA) remains one of the most discussed assets, yet its price action tells a story of exhaustion. It is currently trading around $0.33, with a market capitalization of approximately $12 billion. 

While it still holds a massive community, the token has struggled to maintain momentum. Technical data shows a long-term sideways trend that has frustrated many holders who were expecting a breakout after the latest network upgrades.

The chart for ADA shows heavy resistance zones between $0.35 and $0.40. Every time the price attempts to climb, it is met with significant selling pressure from long-term holders looking to break even. Without a massive new catalyst to drive demand, analysts expect ADA to remain range-bound for much of 2026. 

Shiba Inu (SHIB)

Shiba Inu (SHIB) is also facing a difficult environment in 2026. Once the king of retail hype, it is now trading at approximately $0.0000069. Its market capitalization has settled around $4 billion, making it a mid-cap asset that requires a huge influx of capital to move the needle. Despite the development of its own Layer-2 network, Shibarium, the token has lost much of the viral energy that defined its early years.

Technically, SHIB is caught in a downward-sloping channel. Resistance levels near $0.0000078 have repeatedly rejected price rallies, confirming that the “hype phase” has cooled. While burn mechanisms are active, they have not been enough to offset the lack of new retail interest. Most analysts view SHIB as an asset that is now correlated closely with the broader market, meaning it is unlikely to outperform unless a global meme craze returns.

Mutuum Finance (MUTM)

As capital rotates out of older ecosystems, Mutuum Finance (MUTM) has emerged as a key target for growth-focused investors. It is a decentralized lending and borrowing protocol, designed to modernize liquidity by letting users earn yield or access liquidity without relying on a bank.

The platform is structured around two market models. The Peer-to-Contract (P2C) system uses shared liquidity pools where users can deposit assets to earn APY, while borrowers access funds instantly from those pools. The Peer-to-Peer (P2P) layer allows users to negotiate custom loan terms directly, offering more flexibility for specific assets or agreements. 

Together, these two systems aim to balance efficiency with user control. The project is currently in Phase 7 of its community distribution, with the MUTM token priced at a low $0.04. The growth of this protocol has been remarkably fast. Mutuum has already raised over $20.5 million and attracted a global community of more than 19,000 individual holders. This momentum is driven by its professional delivery schedule and its focus on capital efficiency. 

Since starting at an initial price of $0.01 in early 2025, MUTM has already seen a 300% increase in value. With a confirmed launch price of $0.06, the window for early participation is closing as the final stages of the distribution sell through.

Why Analysts Prefer MUTM Over ADA and SHIB

Analysts believe MUTM is positioned to outperform because it solves a real problem in the DeFi space while being at a much earlier stage of its growth cycle. Cardano is limited by its slow development pace and a saturated market cap. 

Shiba Inu is limited by its massive supply and its reliance on social media. In contrast, MUTM is a “revenue-generating” asset. The team is building a buy-and-distribute mechanism where platform fees are used to buy tokens back from the market and reward stakers.

To see the difference, consider a $950 investment across these assets today. For ADA to turn $950 into $9,500, it would need to reach a $120 billion market cap, which is far above its all-time high. For SHIB, a 10x return would require a similarly massive surge in retail buying. 

However, for MUTM to reach $0.40 (a 10x move from current prices), it would only need to capture a small fraction of the billions currently locked in DeFi lending. This cheap price profile is why experts are rotating their funds into the MUTM ecosystem.

V1 Protocol Launch 

Mutuum Finance is no longer just a concept. In a recent official statement on X (formerly Twitter), the team confirmed that the V1 protocol is now live on the Sepolia testnet. This is a functional version of the app where users can explore the core lending engine. 

They can supply assets to pools, receive interest-bearing mtTokens, and see the automated liquidator bot in action. Moving from a roadmap to a working product is the biggest signal that a project is ready for the next level.

Security has also been verified by the industry’s top firms. The project has completed a full manual audit with Halborn Security and holds a high 90/100 trust score from CertiK. With its security foundation and high growth potential, Mutuum Finance is checking every box for investors who want to move beyond the legacy altcoins of the past.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Best Crypto Opportunities for 2026 Bull Run appeared first on CoinoMedia.

The search for the next major crypto often leads investors toward projects that are still in their early stages. In a market where large-cap altcoins move slowly, cheap cryptocurrencies priced under $1 offer a different kind of opportunity. These assets allow for larger positions with smaller amounts of capital. 

However, the real value is not just in the low price. It is in the technology and the community backing the project. As we look toward 2027, one specific cheap crypto protocol is beginning to dominate the conversation among smart money circles. It is building a foundation while most of the market is just watching. The early signs show that this project is not just another trend; it is a professional financial engine designed to grow.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a new crypto project building a non-custodial hub for lending and borrowing. Its goal is to remove traditional intermediaries by allowing users to earn yield on their holdings or access liquidity without selling their positions.

The protocol is designed around clear Loan-to-Value (LTV) limits and variable APY mechanics. For example, if a user deposits $10,000 worth of ETH and the maximum LTV is set at 70%, they could borrow up to $7,000 in stablecoins while keeping ownership of their ETH. 

On the lending side, suppliers may earn variable yields depending on pool utilization. If a USDT pool offers around 8%–12% APY based on demand, a $5,000 deposit could generate proportionate returns as borrowers pay interest into the system.

The project is currently in its early distribution phases, and the numbers are impressive. Mutuum Finance has raised over $20.5 million so far. It has a global community of more than 19,000 holders. This high level of funding and participation shows that the market trusts the project’s vision. Unlike many other new coins, Mutuum is focusing on building a real product first.

V1 Protocol Launch 

The biggest milestone for Mutuum Finance (MUTM) so far is the launch of its V1 protocol on the Sepolia testnet. This is a live beta version of the platform where users can test the lending system in a completely risk-free environment.

Within V1, users can interact with liquidity pools that include ETH, WBTC, USDT, and LINK. They can simulate supplying funds, mint mtTokens, and see how interest accrues as borrowing activity increases. The dashboard also shows how debt positions are tracked in real time, how health factors are calculated, and how the automated liquidation system reacts if collateral levels fall too low.

To support the token’s value, the project’s whitepaper highlights a buy-and-distribute model. A portion of the platform’s fees is used to buy MUTM tokens from the open market. These tokens are then given back to the users. This creates constant buying pressure and rewards long-term holders. Based on these value-driving features, a price prediction from several market experts points toward a target of $0.40 to $0.60 by late 2026.

Stablecoins and Layer-2 Scaling for 2027

The roadmap for Mutuum Finance looks even further ahead. The team plans to launch a native, over-collateralized stablecoin. This will give users a safe way to borrow value without worrying about price swings. They also plan to move to Layer-2 networks. This will make transactions much faster and cheaper, which is essential for a high-performance DeFi crypto.

These scaling plans are designed to make Mutuum a leader in the lending space by 2027. Analysts believe that if the protocol captures even a small slice of the global lending market, the growth could be massive. A second price prediction suggests that by 2027-2028, MUTM could reach a value of $1. This would represent a surge of over 1,000% from the current presale entry point.

The Urgency of Phase 7 and Whale Interest

Right now, Mutuum Finance is in Phase 7 of its presale. The token is priced at $0.04. Since it started at $0.01 in early 2025, it has already seen a 300% increase. The total supply is fixed at 4 billion tokens, with 45.5% (1.82 billion tokens) set aside for the presale. So far, over 845 million tokens have already been sold.

Phase 7 is quickly selling out. The urgency is rising because the confirmed launch price is $0.06. This means buying now at $0.04 gives you an immediate 50% discount. On-chain data also shows massive whale allocations. 

Single purchases exceeding $100,000 are becoming common. When the big players move in, it is usually a sign that the cheap window is about to close. For those looking for the best crypto under $1 with high potential, the time to act is now before the price jumps to the next tier.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Top Cheap Crypto Under $1 Investors Track for 700% Potential by 2027 appeared first on CoinoMedia.

The crypto market is moving in a new way and privacy coins feel the heat. The Monero price sits around $328 to $340 and stays stuck below every main moving average with no clear jump ahead. The Zcash price is near $236 after falling over 40% in just one month. Both coins are struggling to keep their spot while the wider market stays unsure.

But a new project is taking a different path. ZKP uses similar privacy tech to build a big world for AI and data. Its Stage 2 presale auction is closing very soon and the cost will rise after that. For anyone hunting for the best crypto to buy now, ZKP is a project to watch closely.

Monero Offers Strong Safety but Slow Speed

Monero is the first name in privacy coins. Every trade is hidden by default and you cannot turn it off. This makes it special and is why it has a loyal group of fans.

But the charts show a hard time right now. The Monero price is near $328 to $340 and stays below all its big moving averages. Experts think it will move sideways between a floor of $296 and a wall of $361. There is less than a 20% chance of a big jump. The outlook for next month is low with some views pointing toward $203.

The Monero price went up about 3% this week but that was just the whole market moving. More sites are stopping the coin in some areas which makes it hard for new fans to join. For those looking for the best crypto to buy now, Monero is steady but lacks a clear reason to fly higher.

Zcash Growth Hit by Team Shifts

Zcash had some good news not long ago. The SEC ended its check with no charges and Grayscale asked for a ZEC ETF. On paper this looks great. But the actual news is more complex.

The whole main team at Electric Coin Company quit in January 2026 which created a lot of doubt. The Zcash price fell over 40% in 30 days after this news. Right now the Zcash price is around $236 with a small 3.5% bounce helped by a 37% jump in trading. If ZEC stays above $230 and Bitcoin stays strong a move toward $250 or $260 is possible. A fall below $220 would show the bounce is over.

Big buyers are collecting coins and the tech plan looks good. But when the main makers leave the project the best crypto to buy now is likely not one with no clear lead.

ZKP Stage Two Finishes Quickly as Costs Go Up Soon

Zero Knowledge Proof (ZKP) is made on a safety-first idea, but it does more than that. It takes zero-knowledge proof technology and puts it to a larger task: making a shared world for AI and facts. ZKP uses that same safety level to make a data store where folks can trade and check facts with no middleman or loss of private info. For anyone looking for the best crypto to buy now, ZKP shines as it starts with safety and grows up a whole world.

ZKP runs a daily presale auction instead of an old-style sale. Each day, a set count of coins goes out fairly to all who join. No secret groups, no back-room deals, every move stays on the chain. This presale auction goes through seventeen steps over 450 days, and the lack of coins is part of the plan. Step one gave out 200 million ZKP daily. Step two is active now with 190 million daily, and there are only 4 days left in ending. Step three falls to 180 million, and so it goes, down to only 40 million daily at the very end. As fewer coins come out in each step, the same money gets you less. The cost of stalling goes up on its own, not through talk, but through simple math.

Once stage two ends, those rates are gone forever. For those looking for the best crypto to buy now, the plan is clear: less supply, more need, and a closing door. The math stops for no one.

The Real Choice: Old Moves vs New Speed

The Monero price faces bearish charts and shrinking exchange access. While it stays a top name for privacy, the momentum has slowed as it hits walls in the current market. The Zcash price could recover, but the recent team crisis and shifts in leadership cloud the timeline for many fans. Both have long-term potential, but they currently lack a clear reason to jump in the short term.

But ZKP isn’t waiting for the market to recover. It’s building while others are stalling real infrastructure, a privacy-powered data marketplace designed for the AI economy, not just another token for private payments. The presale auction is still live, Stage 2 is closing soon, and every day that passes means fewer tokens at a higher price. Buyers are already rushing in before the next stage begins. For anyone searching for the best crypto to buy now, the window is open, but it’s getting smaller by the day.

Find Out More About Zero Knowledge Proof (ZKP):

Website: https://zkp.com/

Buy: https://buy.zkp.com

Telegram: https://t.me/ZKPofficial

X: https://x.com/ZKPofficial

The post Massive ZKP Move: Grab the 190M Daily Allocation in the Next 4 Days While Monero and Zcash Prices Fall! appeared first on CoinoMedia.

The crypto market is testing patience right now. The Stellar lumens price has slid for five consecutive days, now trading around $0.155, while the Dogecoin price just broke through the support it held for nearly a year, sitting at $0.089. Both established coins are fighting bearish momentum as traders pile into short positions and open interest declines. 

But while some projects battle correction, others are building foundations. Zero Knowledge Proof (ZKP) is taking a different path entirely, running a presale auction for a privacy-first AI ecosystem just as Stage 2 nears its close. With supply decreasing at each stage and interest growing, some are asking if this could be the next crypto to explode while legacy coins search for a bottom. 

Stellar (XLM): Fighting to Hold Ground in a Bear Market

The stellar lumens price has been sliding for five straight days, and the charts aren’t painting a pretty picture right now. XLM is trading around $0.155, sitting below key moving averages that are acting as resistance. What’s worrying is that more traders are shorting XLM than going long, which shows bearish sentiment is dominating.

Open interest is also dropping, meaning fewer people are actively trading it. If the stellar lumens price can’t climb back above the $0.161 level soon, analysts are eyeing $0.136 as the next stop. Some traders still call it the next crypto to explode based on past cycles, but right now, XLM is clearly in correction mode and needs to prove it can bounce back.

Dogecoin (DOGE): Breaking Key Support with Conflicting Signals

The Dogecoin price just broke through a critical support level at $0.095 that it held since February 2024, and that’s got holders nervous. Currently sitting around $0.089, DOGE is down 4.50% with strong downward momentum shown by technical indicators. The next support level to watch sits at $0.0883, which could either provide a bounce or give way to further decline. If it can’t reclaim that lost support, some analysts warn of a potential drop ahead.

However, there’s a twist. Even though twice as many traders think DOGE will fall, a well-known crypto analyst believes the Dogecoin price might actually be hitting a bottom here. He compared it to the 2017 and 2021 dips that led to massive rallies. Trading volume jumped 11%, showing people are still watching closely. DOGE is at a make-or-break moment.

Zero Knowledge Proof: Shrinking Supply Meets Growing Interest

Stage 2 of the Zero Knowledge Proof (ZKP) presale auction is closing soon, and contributors are moving quickly to lock in current pricing before the supply shrinks permanently. Right now, the daily presale auction distributes 190 million ZKP tokens per day. Once Stage 3 starts, that drops to 180 million, and it keeps decreasing across 17 stages until reaching just 40 million per day in the final round. 

As supply decreases with each stage, more people are discovering what could be the next crypto to explode, creating a situation where fewer tokens meet growing demand. The window to acquire tokens at Stage 2 allocation is narrowing fast, and once it closes, those prices are gone for good.

The presale uses a 24-hour auction format where contributors deposit ETH, USDC, USDT, BNB, or any of 24 supported assets. Tokens are distributed proportionally based on contributions; no private rounds or preferential pricing. All transactions are recorded on-chain for transparency.

ZKP is building a decentralized AI ecosystem using zero-knowledge cryptography. The technology allows secure data exchange without exposing private information. The project aims to create a data marketplace where users can buy, sell, and verify data without intermediaries while maintaining privacy.

For anyone hunting the next crypto to explode, ZKP checks different boxes than typical projects. It’s not riding hype cycles or meme culture. It’s solving real problems in AI and data privacy with actual technology. The presale auction creates natural scarcity, and the privacy-first approach positions it for long-term relevance as AI becomes more integrated into daily life.

Final Thoughts: Timing Matters in a Shifting Market

The Stellar lumens price and Dogecoin price face immediate headwinds, both fighting to reclaim lost support levels while short positions dominate. For traders, these coins might offer bounce opportunities if support holds, but the technical outlook suggests more downside risk than upside potential.

Zero Knowledge Proof (ZKP) presents a different timeline entirely. Stage 2 is closing in days, and contributors are rushing to secure allocations before the daily token supply permanently drops from 190 million to 180 million in Stage 3. 

For those searching for the next crypto to explode, ZKP’s privacy-focused AI infrastructure addresses long-term demand. The window is narrowing fast; once Stage 2 ends, that pricing structure disappears forever. Contributors who wait will face a tighter supply and increased competition at every subsequent stage.

Find Out More About Zero Knowledge Proof (ZKP):

Website: https://zkp.com/ 

Presale: https://buy.zkp.com/

X: https://x.com/ZKPofficial 

Telegram: https://t.me/ZKPofficial

The post Last Days at 190M: XLM Falls, DOGE Breaks Support as ZKP Crypto Cuts 10M Tokens in the Next Stage appeared first on CoinoMedia.

Dogecoin (DOGE) has always been one of the most talked-about cryptocurrencies in the market. From meme-driven rallies to celebrity endorsements, it has delivered explosive gains in past cycles. But as 2026 unfolds, investors are asking a more serious question: is DOGE still a strong long-term investment, or has its biggest growth already happened?

With market conditions becoming more utility-focused, many analysts believe capital is beginning to rotate toward newer, lower-priced altcoins that offer clear use cases and early-stage upside. While Dogecoin still holds brand power and liquidity, experts are now highlighting a new cheap altcoin that combines real functionality with high-growth potential—making the 2026 decision far more strategic than emotional.

Dogecoin (DOGE)

As of February 13, 2026, Dogecoin (DOGE) is trading near $0.09. Despite its massive market capitalization of over $13.5 billion, the token has struggled to maintain its momentum. The “law of large numbers” is now the biggest obstacle for DOGE. For the token to see a 10x return from here, its market cap would need to hit over $130 billion—a feat that requires an astronomical amount of new capital.

Technically, Dogecoin is facing a series of roadblocks. It is currently trapped in a bearish channel, with heavy resistance sitting at the psychological $0.10 level. Market data shows that every time DOGE attempts to break this barrier, sellers step in, leading to a “slow bleed” toward support zones near $0.08. With stagnant network activity and institutional interest shifting toward utility-based protocols like Ethereum-scale solutions, the days of DOGE being the “easiest” way to find 1,000% gains appear to be in the rearview mirror.

Mutuum Finance (MUTM)

While DOGE battles its resistance, Mutuum Finance (MUTM) is building a professional, non-custodial hub for lending and borrowing. Unlike purely speculative tokens, MUTM is a functional engine designed to replace traditional banking services with decentralized smart contracts.

The protocol uses a Peer-to-Contract (P2C) model that is both efficient and rewarding. When you deposit assets like ETH or USDT into Mutuum, you receive mtTokens (interest-bearing receipts). For example, a user depositing 10,000 USDT at an 8% APY will receive 10,000 mtUSDT. These tokens automatically increase in value as borrowers pay interest back into the pool, allowing you to earn a passive return without manual management.

For more flexibility, Mutuum offers a Peer-to-Peer (P2P) marketplace. This allows for direct loan negotiations with custom interest rates and terms. To keep the system safe, all loans are protected by a Loan-to-Value (LTV) ratio. If you provide $1,000 in ETH as collateral with a 75% LTV, you can borrow $750. If the market value of your ETH drops too low, an Automated Liquidator Bot triggers a liquidation to ensure the lenders remain whole and the protocol stays solvent.

Presale Momentum and Growth Comparisons

The growth case for Mutuum Finance is backed by impressive numbers. The project has raised over $20.5 million and has attracted a global community of more than 19,000 holders. It is currently in Phase 7 of its presale, with the token priced at $0.04. Since its journey began in early 2025 at $0.01, the token has already seen a 300% appreciation.

Analysts suggest that an $800 allocation highlights a major contrast between these two assets. A $800 investment in Dogecoin at $0.09 yields roughly 8,888 tokens, and even a recovery to $0.20 would only bring the stake to $1,600. 

In comparison, the same $800 in Mutuum Finance at $0.04 secures 20,000 tokens, which would be worth $1,200 at the confirmed $0.06 launch price. As long as MUTM hits the conservative target of $0.48, that $800 investment grows to $9,600. Because MUTM is a cheap crypto project with a fixed supply of 4 billion tokens, it offers significantly more room for expansion than high-cap legacy assets.

Protocol Launch and the Final Stretch of Phase 7

The most important milestone for 2026 is that Mutuum Finance is no longer just a concept. The V1 protocol is now live on the Sepolia testnet, allowing users to test core lending and borrowing flows in real time within a risk-free environment. Participants can interact with liquidity pools that support assets such as ETH, USDT, WBTC, and LINK, giving a clear preview of how capital will move inside the ecosystem.

Users can also see how mtTokens are issued when assets are supplied, as well as how debt tokens are generated when funds are borrowed. These components demonstrate how interest accrues and how liabilities are tracked on-chain. This “utility-at-launch” approach has significantly strengthened investor confidence, as it proves the team can deliver complex lending infrastructure before the full public rollout.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Is Dogecoin (DOGE) Worth It in 2026? Experts Highlight a New Cheap Altcoin appeared first on CoinoMedia.

The 2026 crypto market is rotating toward real utility. While major coins stall at resistance, a new DeFi protocol has quietly delivered 300% growth in its early phase. Analysts are now watching closely as it moves from development mode into broader visibility. The next market leaders may not be today’s top names.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is an Ethereum-based protocol designed to modernize the way we lend and borrow crypto. It moves away from slow, bank-like systems and replaces them with a non-custodial framework. The platform uses two distinct markets to serve different user needs.

The first is the Peer-to-Contract (P2C) model. This is built for speed and ease of use. Users supply assets like ETH or USDT into shared liquidity pools to earn a steady Annual Percentage Yield (APY). For example, a lender could earn between 10% and 15% APY by providing liquidity to the USDT pool. In return, they receive mtTokens that track their deposit and rewards.

The second is the Peer-to-Peer (P2P) marketplace. This is a direct matching system where lenders and borrowers can define their own terms. This is perfect for volatile or niche assets that might not fit into a standard pool. To keep the system safe, all borrowing is over-collateralized. This is managed through a Loan-to-Value (LTV) ratio. For instance, a 75% LTV means you can borrow $750 for every $1,000 in collateral. This “cushion” protects lenders if the market price of the collateral drops suddenly.

The project is currently in Phase 7 of its distribution. The token is priced at $0.04, which is a 300% increase from the initial $0.01 price. So far, the project has raised over $20.4 million and has a community of more than 19,000 holders.

Technical Milestones and Initial Projections

Execution is the primary driver of value for Mutuum Finance. According to an official statement on X, the V1 protocol is now live on the Sepolia testnet. This is a functional version of the app where users can test lending pools and automated bots. Delivering a working product before the mainnet launch has significantly boosted investor trust.

Security is also a major focus. The protocol has successfully passed a full manual audit by Halborn Security. It also maintains a high 90/100 trust score from CertiK. Because the team is hitting its roadmap goals on time, analysts believe the token is currently undervalued. Many experts have issued a first price prediction suggesting that the token could see a 600% to 800% increase within the first few months of mainnet adoption.

Growth Catalysts

The long-term value of MUTM is linked to its buy-and-distribute mechanism announced in the protocol’s official roadmap. A portion of the protocol’s fees is used to buy MUTM tokens from the open market. These tokens are then given to the community members who stake their assets. This creates a cycle of constant demand.

Another key feature is the mtToken. When you lend your crypto, you receive mtTokens as a digital receipt. These tokens are interest-bearing, meaning they grow in value automatically as borrowers pay back their loans. To ensure all prices and liquidations are fair, the system relies on decentralized oracles. These oracles provide real-time data from multiple sources to prevent errors.

Because of these strong mechanics, some analysts have issued a bold second price prediction. They believe that as the platform reaches full adoption and liquidity grows, the token could see a 10x to 15x increase from its current entry level. This would place the token well above the $0.40 mark by 2027.

Following the Path of DeFi Giants

Many professional analysts say that Mutuum Finance is following the same development steps as early Aave. Aave started by building a solid lending engine and then scaled to multiple chains. Mutuum is trying to build a similar professional-grade hub but with more flexibility for diverse assets.

The team has already confirmed plans for a native, over-collateralized stablecoin. This will allow users to borrow a dollar-pegged asset against their crypto, providing liquidity without needing to sell their main holdings. By combining the best parts of P2C and P2P lending with elite security, Mutuum Finance is positioning itself to be a primary opportunity for the next crypto cycle.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post The Next Altcoin to 20x? This New Crypto Just Hit 300% appeared first on CoinoMedia.

Large-cap altcoins are pulling back, and key support levels are being tested across the board. While much of the market remains cautious, a more strategic rotation is unfolding beneath the surface. Experienced investors are reallocating capital away from purely speculative narratives and toward new crypto protocols that demonstrate measurable progress.

One project, in particular, has started to stand out by delivering tangible development milestones while many competitors remain in holding patterns. Instead of relying on hype cycles, it is expanding its holder base, strengthening infrastructure, and advancing its roadmap step by step. 

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a non-custodial liquidity protocol built on the Ethereum network, designed to improve capital efficiency within on-chain lending markets. Its architecture is based on a dual-market framework that includes Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models, both currently under development as part of the broader roadmap.

The P2C layer is structured around shared liquidity pools where users will be able to supply assets such as ETH, USDT, or WBTC. In return, suppliers are designed to receive mtTokens, which function as yield-bearing receipts representing their proportional share of the pool. For example, a deposit of 5,000 USDT would issue mtUSDT. As borrowers repay loans with interest, the redeemable value of those mtTokens is designed to increase over time, reflecting earned APY without requiring manual reward claims. This mechanism is being tested in the V1 beta environment.

The P2P layer is intended to provide greater flexibility by allowing lenders and borrowers to negotiate customized loan terms, including interest rates and durations. This structure is particularly suited for niche or higher-volatility tokens that may not align with standardized pool parameters.

Across both models, risk management is built around over-collateralization. Borrowers are required to lock collateral exceeding the value of the loan, with each position monitored through a Loan-to-Value (LTV) ratio and health factor system. If collateral levels fall below defined thresholds, an automated liquidation mechanism is designed to partially close positions to maintain solvency and protect lenders, especially during periods of high market volatility.

Presale Momentum and Fair Distribution

The growth of Mutuum Finance is supported by a structured and transparent presale process. The project has raised over $20.5 million to date and built a community of more than 19,000 holders. 

This level of participation provides meaningful development capital as the team advances through its roadmap milestones. The token supply is fixed at 4 billion MUTM, with 45.5% (1.82 billion tokens) allocated to the presale. This allocation is designed to prioritize broad community distribution rather than concentrating supply among insiders.

The presale follows a phased pricing structure that rewards early participation. MUTM launched at $0.01 in Phase 1 and is currently priced at $0.04 in Phase 7, reflecting a 300% increase from the initial round. 

The confirmed public launch price is set at $0.06, placing the current phase below the intended listing valuation. Phase 7 is already more than 15% allocated, indicating continued demand as the project approaches its next pricing tier.

V1 Launch and Professional Security

While most new projects only have a roadmap, Mutuum Finance has already delivered its core technology. The V1 protocol is live on the Sepolia testnet. This allows anyone to test the lending and borrowing flows in a risk-free environment. Users can supply test assets, mint mtTokens, and see the liquidator bot in action. This “practice before launch” approach has given investors immense confidence. They can see that the engine works as promised.

Security is the top priority for the project. Mutuum Finance has completed two major security reviews. The first was a token scan by CertiK, where it earned a high 90/100 trust score. The second was a deep, manual audit of the lending protocol conducted by Halborn Security. This firm is famous for auditing some of the biggest names in the blockchain world. By passing these audits, Mutuum has proven that its smart contracts are safe for institutional-grade capital. 

Based on this technical delivery and elite security, analysts are very bullish. Many market experts predict that MUTM could reach a target of $0.20 to $0.30 by late 2026. This would represent a 500%-800% move from the current presale price.

The Role of Stablecoins and Layer-2 Scaling

Looking beyond the initial launch, Mutuum Finance (MUTM) has outlined plans for a native stablecoin and future Layer-2 integrations as part of its broader official roadmap. The proposed stablecoin is designed to be over-collateralized, meaning users would mint a USD-pegged token by locking excess collateral inside the protocol. 

This structure is intended to provide a more stable borrowing unit within the ecosystem while maintaining conservative risk parameters. According to the project’s documentation, protocol-generated revenue mechanisms, including those tied to stablecoin activity, are expected to contribute to the overall ecosystem and potentially support long-term incentives for participants.

Rather than relying on short-term market hype, the roadmap emphasizes infrastructure, risk management, and scalability. The focus is on building a sustainable on-chain lending framework designed to operate efficiently across market cycles, positioning Mutuum Finance (MUTM) for long-term development rather than temporary momentum.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post The Only New Altcoin Surging Under $1 While Crypto Market Crashes appeared first on CoinoMedia.

The race for the best altcoins in Q1 2026 is heating up as investors rebalance their crypto portfolios for the next crypto phase of the market cycle. With Bitcoin consolidating and large-cap tokens facing resistance, attention is shifting toward high-growth altcoins with strong fundamentals and real utility.

Search trends for “best crypto to buy now,” “top altcoins 2026,” and “cheap crypto with high upside” are rising as traders look beyond established names. Among the top contenders, one new crypto protocol is standing out for its technical progress, early-stage pricing, and expanding investor base. As Q1 unfolds, analysts believe the next breakout could come from projects that combine working products with strong tokenomics rather than pure speculation.

Ethereum (ETH)

As of mid-February 2026, Ethereum (ETH) continues to dominate the smart contract sector, trading around $2,000 with a market cap above $250 billion. However, the start of the year has been weak. After losing the key $2,200 support level, ETH shifted into a short-term bearish structure, turning former support into resistance.

Analysts are now focused on the $2,400–$2,500 range. Until Ethereum reclaims this zone with strong volume, the risk of a drop toward the $1,750 area remains on the table. While some institutions still project higher long-term targets, the near-term outlook points to consolidation. As a result, many traders are reallocating part of their portfolios into higher-growth altcoins that may offer faster upside during market rebounds.

Shiba Inu (SHIB)

Shiba Inu (SHIB) has evolved far beyond its meme coin beginnings. Now trading around $0.0000069 with a market capitalization near $4 billion, the project has shifted its focus toward building out its Layer-2 ecosystem, Shibarium. While early investors still remember the explosive 2021 rally, the 2026 market is far more utility-driven. SHIB is currently hovering near long-term support around $0.0000065.

This change in market dynamics has prompted some early SHIB holders to explore new opportunities. Many are now watching Mutuum Finance (MUTM), viewing it as a similar early-stage entry but with a stronger emphasis on structured DeFi utility.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol built on Ethereum. It operates as a non-custodial hub where users can earn yield on their assets or borrow against them without relying on a bank. The system is structured around two models: a Peer-to-Contract (P2C) layer that provides instant liquidity through shared pools, and a Peer-to-Peer (P2P) layer that allows users to negotiate custom loan terms directly.

All borrowing is protected by over-collateralization through clear Loan-to-Value (LTV) limits. For example, at a 70% LTV, a user depositing $1,000 worth of ETH could borrow up to $700 in stablecoins. If the collateral value drops and the position becomes risky, the system is designed to trigger protective liquidations to maintain protocol solvency.

The project has already raised over $20.5 million and attracted more than 19,000 holders worldwide. MUTM is currently in Phase 7 at $0.04, marking a 300% increase from its initial $0.01 price in early 2025. With a confirmed launch price of $0.06, the protocol continues to draw attention as it advances toward its final development stages.

Why ETH and SHIB Holders are Rotating to MUTM

The reason many Ethereum and Shiba Inu veterans are moving toward MUTM is simple: technical delivery. In an official statement shared on X (formerly Twitter), the team confirmed that the V1 protocol is now live on the Sepolia testnet. This is a functional version of the app where users can test lending pools, interest-earning mtTokens, and automated liquidation bots.

Early investors believe that MUTM is following the same early steps as legendary DeFi giants like Aave. By building a solid code base and proving it on a testnet before the main launch, Mutuum is showing a level of professionalism rarely seen in new projects. 

Experts suggest that if adoption mirrors previous DeFi cycles, a $600 allocation at the current price could grow to $7,500 by late 2026. This would represent a 1,150% increase as MUTM moves toward a projected target of $0.60 following its mainnet launch. As Phase 7 quickly sells out, the window to secure MUTM at the $0.04 is closing. When looking for the top altcoin opportunity of Q1 2026, Mutuum Finance is checking every box.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Top 3 Altcoins for Q1 2026, Investors Favor This New Crypto Protocol  appeared first on CoinoMedia.

Capital rotation is accelerating ahead of Q2 2026, and some large XRP holders are not waiting on the sidelines. Instead of adding more exposure to established expensive cryptos, several whales are positioning early in a new altcoin that is still selling at a low entry level.

Analysts point to three key factors behind this shift: early-stage pricing, visible technical milestones, and a utility-driven model that offers higher upside potential. As XRP consolidates, attention is turning to smaller protocols that may deliver stronger percentage growth in the next phase of the market cycle.

Ripple (XRP)

Ripple (XRP) remains a major name in global digital payments, with a market capitalization near $90 billion and deep liquidity across exchanges. In its early growth phase, XRP delivered sharp rallies fueled by bank partnerships and cross-border settlement use cases. 

Today, however, that explosive expansion has slowed. Price action has become more range-bound, and the token faces structural resistance due to its large circulating supply and mature market positioning.

Several analysts have issued cautious outlooks for 2026–2027. If network activity and broader adoption do not accelerate, projections suggest XRP could revisit the $0.95–$1.10 range. At its current valuation, meaningful percentage gains require substantial capital inflows. 

Even a 10% move demands billions in new demand. For investors seeking asymmetric upside from smaller allocations, this limited multiplier profile is prompting a rotation toward lower-cap altcoins trading under $1, where growth curves are still in their early stages.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is emerging as a challenger to traditional DeFi models. It is a non-custodial lending and borrowing protocol designed to operate without centralized control. The goal is simple: users can supply liquidity to earn yield or borrow against their holdings through transparent smart contracts.

The protocol is structured around pooled markets where lenders can target competitive yields. For example, a stablecoin pool offering a projected 8%–12% APY would allow a user depositing 5,000 USDT to earn roughly 400–600 USDT annually, depending on utilization rates. Returns adjust dynamically based on supply and borrowing demand.

The project has raised over $20.5 million and has attracted more than 19,000 individual holders. Mutuum is currently in Phase 7 of its presale, with the token priced at $0.04. Since the start of its journey in early 2025 at $0.01, the token has already surged by 300%. The team has confirmed a launch price of $0.06, ensuring that those who enter now are already positioned for an immediate gain when the token hits the open market.

3 Reasons Why XRP Whales Are Accumulating MUTM

The first reason whales are moving to MUTM is the technical delivery of the V1 protocol. While many projects only have a roadmap, Mutuum Finance has already launched its V1 version on the Sepolia testnet. 

This is a working engine where users can test lending pools, interest tracking, and the automated liquidator bot. Whales prefer to invest in projects that have proven their code works. The fact that Mutuum has a working product before its main market debut is a major green light for large capital.

The second reason is the massive contrast in growth potential. Let’s compare a $900 allocation in both assets. If you put $900 into XRP at its current price, you get a solid position, but a move to $3.00 it’s extremely unrealistic under current market conditions. 

However, a $900 investment in MUTM at $0.04 gets you 22,500 tokens. Many analysts predict that MUTM could reach $0.40 to $0.60 within a year of launch. If MUTM hits $0.40, that $900 investment turns into $9,000. This 1,000% potential is why whales are diversifying their XRP profits into this new asset.

The third reason is the long term utility roadmap. Mutuum Finance is not just a meme coin; it is building a foundation for 2027. The plan includes a native stablecoin and Layer-2 integration. This would make borrowing faster and cheaper for everyone. 

Security, Rewards and Easy Access

Mutuum Finance has taken every step to ensure the safety of its users. The protocol has completed a full manual audit with Halborn Security, one of the top firms in the industry. It also holds a high 90/100 trust score from CertiK. This elite level of security is a requirement for whales who move hundreds of thousands of dollars at a time. 

The presale is designed to be accessible to all types of investors. Mutuum Finance supports direct card payments, so you can buy your tokens as easily as any online purchase. You can also pay with major cryptos like ETH and USDT. Phase 7 is quickly selling out as the word spreads about the $0.06 launch price. 

When  looking for the same growth XRP saw in its early days, the current window in Mutuum Finance represents the best cheap crypto opportunity of 2026. The technology is ready, the security is verified, and the whales are already in position.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post 3 Reasons Why XRP Whales Are Buying This New Altcoin Before Q2 2026 appeared first on CoinoMedia.

In digital finance, the biggest moves rarely start with noise. While retail traders chase viral tokens, experienced investors look for projects that spend their early months building real infrastructure. In decentralized finance (DeFi), this pattern repeats often: a protocol develops its core contracts, strengthens security, and grows a committed base before attracting wider attention.

That quiet phase typically ends once the product becomes usable. When a working system replaces a roadmap, visibility accelerates quickly. Mutuum Finance (MUTM) is entering that transition now. After an extended period focused on development and technical milestones, the project is shifting from a build phase to a stage where broader market awareness is beginning to follow.

What Mutuum Finance Has Been Building Behind the Scenes

Mutuum Finance is a professional lending and borrowing protocol built on the Ethereum network. Its vision is to create a decentralized alternative to traditional banks. The goal is to allow users to unlock the value of their crypto without ever having to sell it.

The team has spent the last year building a dual lending model. The first part is a Peer-to-Contract (P2C) system where users supply assets to a pool and earn yield. The second is a Peer-to-Peer (P2P) marketplace for direct, custom deals. This structural work was done “behind the scenes” to ensure the logic was solid. 

The recent launch of the V1 protocol on the Sepolia testnet was the turning point. It proved that the lending pools, debt tracking, and automated liquidators are functional and ready for real-world stress.

Growth That Happened Before the Crowd Noticed

While most of the market was distracted by volatility, Mutuum Finance was quietly accumulating strength. The project has raised over $20.5 million and grown its holder base to more than 19,000 participants.

This growth did not happen overnight through expensive marketing. Instead, it was a steady climb. This suggests that the early participants are not just speculators; they are users who have been tracking the project’s technical milestones. 

This level of funding and holder support is crucial. In DeFi, a lending protocol is only as strong as its liquidity and the size of its community. By building this foundation early, Mutuum is ready to scale the moment it hits the mainnet.

Why Supply Is Now in Focus

The window for early entry is now starting to tighten. The MUTM token is currently in Phase 7 of its distribution, priced at $0.04. The total supply is fixed at 4 billion tokens, ensuring long-term scarcity.

A large share of the supply—45.5% or 1.82 billion tokens—was set aside for this early distribution. However, over 845 million tokens have already been sold. As the allocation caps for Phase 7 fill up, the price is set to jump by nearly 20% in the next crypto stage. This tightening supply is changing investor behavior. People are no longer just watching; they are securing positions before the token moves toward its confirmed launch price of $0.06.

Yield, Buy Pressure and System-Level Demand

The project’s growth is fueled by real protocol usage, not just hype. A central feature is the mtToken system. When you lend assets, you receive mtTokens as a receipt. These tokens are yield-bearing, meaning they increase in value as borrowers pay interest back into the pool.

Furthermore, Mutuum Finance uses a buy-and-distribute model. A portion of the platform’s fees is used to buy MUTM tokens from the open market and redistribute them to users. This creates constant, system-level demand. To keep the platform safe, the protocol uses decentralized oracles for accurate pricing. This ensures that collateral values and liquidations are always handled fairly, which is essential for institutional-grade trust.

Several experts suggest that this robust utility model could drive the MUTM token to a target of $0.80 by 2027. This projection represents a potential 2,000% increase from its current early-stage valuation as the protocol captures a larger share of the decentralized lending market.

Why This Moment Is Different From Earlier Stages

We are now at the point where the “quiet phase” is over. Phase 7 is nearing completion, and the pace of participation has accelerated. On-chain data shows whale allocations exceeding $100,000 as large players move in to beat the next price hike.

The platform has also made it easier for new users to join. With direct card payment access and a 24-hour leaderboard that rewards the top daily contributor with a $500 bonus, the engagement levels are at an all-time high. Mutuum Finance has finished the hard work of building and securing its protocol. Now, it is simply a race for allocation before the market debut.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Top Crypto Rotation of 2026: Capital Flows Into This New Protocol appeared first on CoinoMedia.

Bitcoin (BTC) has entered one of its deepest pullbacks of the current cycle, falling 48% from its all-time high and shaking investor confidence across the crypto market. After months of strong momentum, the correction has reignited debate about whether this is a healthy reset or the start of a longer bearish phase. Traders are now closely watching key support levels, ETF flows, and macroeconomic signals to gauge what comes next.

Bitcoin (BTC)

As of February 13, 2026, Bitcoin (BTC) is trading near $67,300. This current valuation reflects a 48% decline from its all-time high of approximately $126,000 reached in October. The market capitalization of Bitcoin has shrunk considerably, though it remains the dominant force with a total value of over $1.3 trillion. 

The path to recovery is blocked by stiff resistance zones. Specifically, the $68,000 to $70,000 range has turned into a major ceiling. Every attempt to reclaim this territory has been met with heavy selling pressure from momentum traders and institutional outflows. 

A bearish price prediction from several analysts suggests that BTC could remain stagnant or even drop to the $50,000 support level before finding a bottom. In a best-case scenario for 2026, experts project a modest 50% increase toward $100,000 by year-end, which is a significant downgrade from earlier, more aggressive forecasts. 

Mutuum Finance (MUTM)

While the broader market remains volatile, Mutuum Finance (MUTM) is gaining attention by focusing on infrastructure rather than speculation. It is developing a professional, non-custodial lending and borrowing protocol designed to replace traditional intermediaries with transparent smart contracts.

The goal is straightforward: users can supply digital assets to earn passive yield or use their holdings as collateral to access liquidity—without relying on a bank. In a market driven by uncertainty, this focus on utility and capital efficiency is what sets the project apart.

The project recently reached a major milestone. According to an official statement on the project’s X account, the V1 protocol is now live on the Sepolia testnet. This launch provides a working environment where users can test core features like liquidity pools, interest-earning mtTokens, and the automated debt-tracking system. 

Unlike projects that only exist on paper, Mutuum Finance is already showcasing its functional engine to over 19,000 holders. This move from a conceptual plan to a live, testable product has boosted investor confidence during a time of market uncertainty.

Presale Momentum and MUTM Distribution

The growth of Mutuum Finance is supported by a very successful and transparent token distribution. The project has raised over $20.5 million to date. The native MUTM token has a fixed total supply of 4 billion units, with 45.5% (1.82 billion tokens) dedicated to the community through its presale. This ensures that the protocol is owned by a wide range of participants rather than a few insiders.

The project is currently in Phase 7 of its presale, with the token priced at $0.04. This is a 300% increase from the initial $0.01 level. With a confirmed launch price of $0.06, participants are securing a built-in advantage before the token hits exchanges. 

To maintain daily engagement, the platform features a 24-hour leaderboard that rewards the top daily contributor with a $500 bonus in tokens. To make it accessible for everyone, Mutuum supports direct card payments, allowing users to join the ecosystem without needing prior crypto holdings.

Stablecoins, Oracles and Security

The long-term roadmap for Mutuum Finance includes the launch of its own native, over-collateralized stablecoin. This asset will be backed by the interest-earning collateral within the system, providing a safe way for users to borrow value without worrying about market volatility. To ensure the accuracy of all prices and liquidation triggers, the protocol integrates decentralized oracles. These oracles provide real-time data to prevent unfair liquidations and keep the system solvent.

Security is the top priority for the development team. Mutuum Finance has completed a full manual audit with Halborn Security, a world-renowned firm. It also holds a high 90/100 trust score from CertiK. 

Additionally, a $50,000 bug bounty program is active to encourage security researchers to find and report any vulnerabilities. By combining professional security with a working product and high growth potential, Mutuum Finance is positioning itself as a leader in the next crypto cycle of decentralized finance.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Bitcoin Drops 48% From ATH: Can BTC Recover in 2026? appeared first on CoinoMedia.

CryptoQuant says Bitcoin Bear Phase has not reached full capitation.

$5.4B realized losses are still below historic cycle bottoms.

Analysts see $55,000 as a possible ultimate bear-market floor.

The latest analysis from CryptoQuant suggests that the current Bitcoin Bear Phase may not have reached its final bottom. While recent market action has shaken investors, key onchain indicators are still flashing warning signs.

On Feb. 5, Bitcoin experienced a sharp sell-off that led to roughly $5.4 billion in realized losses in a single day. Although that number sounds alarming, CryptoQuant explained that this level of loss does not match the “extreme bear phase” conditions typically seen at historical cycle lows.

In previous bear markets, Bitcoin went through months of heavy selling pressure before forming a lasting bottom. According to CryptoQuant’s data, the current Bitcoin Bear Phase has not yet reached the same level of capitulation that marked prior cycle endings.

Why $55,000 Could Be Critical

One of the most important insights from CryptoQuant’s report is the estimated “ultimate bear-market bottom” around $55,000. Historically, Bitcoin tends to form long-term bottoms only after sustained periods of extreme losses and widespread investor capitulation.

While February’s sharp correction triggered billions in realized losses, the monthly cumulative losses remain significantly lower than those recorded at past bear-market bottoms. This suggests that the Bitcoin Bear Phase could still have room to extend downward before true capitulation occurs.

CryptoQuant also emphasized that market bottoms rarely form in a single dramatic event. Instead, they often take months to develop as investor sentiment shifts from fear to exhaustion.

CryptoQuant said Bitcoin has not yet shown a “full capitulation” bottom, with several key onchain indicators still in a “bear phase” rather than the “extreme bear phase” typically seen at historic cycle lows. CryptoQuant noted that while Bitcoin’s Feb. 5 sell-off saw about $5.4…

— Wu Blockchain (@WuBlockchain) February 14, 2026

Patience May Be Required

The current Bitcoin Bear Phase highlights a familiar pattern in crypto cycles. Short-term volatility can create the impression of a bottom, but deeper onchain metrics often tell a different story.

If history repeats itself, Bitcoin may need more time to fully transition from a bear phase to an extreme bear phase before establishing a solid recovery base. Traders and long-term investors alike may need to prepare for continued uncertainty.

As always in crypto markets, timing the exact bottom remains difficult. However, onchain data provides valuable signals that suggest the final stage of the Bitcoin Bear Phase may still be ahead.

Read Also :

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Banks Urged to Embrace Patrick Witt Stablecoin Yield View

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5 Altcoins Set to Skyrocket, Is APEMARS the Next 100x Crypto You’re Missing?

The post Is a Deeper Bottom Ahead for Bitcoin Bear Phase? appeared first on CoinoMedia.

Patrick Witt stablecoin yield comments ease pressure on banks.

CLARITY Act talks continue amid political tension.

Midterm elections add urgency to crypto regulation.

The debate around stablecoins is heating up in Washington. White House crypto adviser Patrick Witt stablecoin yield comments are now drawing strong attention from both lawmakers and financial institutions. Witt recently said that banks should not fear yield-bearing stablecoins, signaling a softer stance from parts of the administration.

Stablecoins are digital assets designed to maintain a fixed value, usually tied to the U.S. dollar. Some issuers offer yield to users, which has raised concerns among traditional banks. Many financial institutions worry that interest-bearing stablecoins could pull deposits away from the banking system.

However, Patrick Witt stablecoin yield remarks suggest there is room for cooperation instead of confrontation. According to Witt, innovation in digital finance does not have to undermine banks. Instead, he believes regulatory clarity can help both sectors coexist and grow together.

CLARITY Act Talks Under Political Pressure

At the center of the discussion is the CLARITY Act, a proposed bill aimed at defining oversight roles for crypto markets. Lawmakers have been negotiating key details, including how stablecoins should be supervised and whether yield offerings should face restrictions.

Midterm election pressure is complicating these talks. With campaigns approaching, lawmakers are under tight timelines to show progress on crypto regulation. Patrick Witt stablecoin yield statements may be an effort to reduce friction and move negotiations forward.

Some policymakers argue that excessive restrictions could push innovation overseas. Others remain cautious, stressing financial stability risks. The compromise Witt is encouraging may help bridge this divide.

INSIGHT: White House crypto adviser Patrick Witt says banks shouldn’t fear stablecoin yield and urges compromise as CLARITY Act talks face midterm pressure. pic.twitter.com/xVznjWE4Ai

— Cointelegraph (@Cointelegraph) February 14, 2026

A Turning Point for Crypto Regulation

The Patrick Witt stablecoin yield discussion highlights a broader shift in U.S. crypto policy. Instead of framing digital assets as a threat, officials are increasingly focusing on structured oversight.

For banks, this could mean adapting to a new competitive landscape rather than resisting it. For crypto firms, it signals that cooperation with regulators is becoming essential.

As the CLARITY Act talks continue, the coming months may shape how stablecoins operate in the United States. Whether lawmakers can reach common ground before election season intensifies remains uncertain. But one thing is clear: stablecoins and traditional finance are now deeply connected, and compromise may be the only path forward.

Read Also :

Banks Urged to Embrace Patrick Witt Stablecoin Yield View

$910B Gone: Inside the Crypto Market Crash

Top 3 Undervalued Cryptocurrencies for Long-Term Potential

5 Altcoins Set to Skyrocket, Is APEMARS the Next 100x Crypto You’re Missing?

Solana (SOL) Fails to Reclaim $100, Investors Rotate Into This Cheap Crypto

The post Banks Urged to Embrace Patrick Witt Stablecoin Yield View appeared first on CoinoMedia.

$910 billion wiped out from the market in just 30 days.

Major cryptocurrencies saw sharp double-digit declines.

Investors face uncertainty amid volatility and macro pressure.

The Crypto Market Crash has shaken the digital asset industry after a staggering $910 billion vanished from the total market value in just 30 days. This sharp correction has left both retail and institutional investors reassessing their positions.

During this period, leading cryptocurrencies such as Bitcoin and Ethereum experienced significant price drops. Smaller altcoins suffered even deeper losses, with some tokens declining by more than 40%.

4

Market sentiment quickly shifted from optimism to fear. As prices fell, liquidations surged across leveraged positions, intensifying the downward pressure. Trading volumes spiked as panic selling spread through exchanges worldwide.

What Triggered the Crypto Market Crash?

Several factors appear to have fueled the Crypto Market Crash. Global economic uncertainty has played a major role, with rising interest rates and tighter monetary policies pushing investors toward safer assets. Risk-heavy sectors like cryptocurrency are often the first to feel the impact during such shifts.

Regulatory developments have also contributed to the downturn. Uncertainty surrounding crypto regulations in key markets has made investors cautious. When combined with large-scale sell-offs from whales and institutional players, the pressure quickly escalated.

Another factor is profit-taking. After months of strong growth earlier in the year, many investors locked in gains. Once prices began to slide, stop-loss triggers and automated trading strategies accelerated the decline.

UPDATE: The last 30 days wiped out $910B from the crypto market. pic.twitter.com/1yYLdeVyPc

— Cointelegraph (@Cointelegraph) February 14, 2026

What Comes Next for Investors?

While the Crypto Market Crash has erased $910 billion in value, history shows that digital assets often move in cycles. Previous downturns have been followed by recovery periods driven by innovation, adoption, and renewed confidence.

Long-term believers argue that market corrections are part of a maturing industry. They point to ongoing blockchain development, institutional adoption, and expanding use cases as signs that the broader ecosystem remains active.

However, short-term volatility is likely to continue. Investors are closely watching macroeconomic data, regulatory announcements, and overall market liquidity for clues about the next move.

For now, the crypto space stands at a critical crossroads. Whether this correction becomes a prolonged bear market or a temporary shakeout will depend on how global conditions evolve in the coming months.

Read Also :

$910B Gone: Inside the Crypto Market Crash

Top 3 Undervalued Cryptocurrencies for Long-Term Potential

5 Altcoins Set to Skyrocket, Is APEMARS the Next 100x Crypto You’re Missing?

Solana (SOL) Fails to Reclaim $100, Investors Rotate Into This Cheap Crypto

BlockDAG News: Development Milestones Propel Speculation Despite Continued Market Downtrend

The post $910B Gone: Inside the Crypto Market Crash appeared first on CoinoMedia.

The 2026 crypto market is shifting from hype to utility. Large-cap altcoins still dominate headlines, but their size limits explosive upside. Investors are now searching for cheap crypto protocols with real development progress and lower entry prices. As the next crypto phase of the cycle approaches, discounted opportunities are shrinking. The focus is turning to infrastructure projects that could define the next wave of decentralized finance.

Ripple (XRP)

Ripple (XRP) is trading around $1.36 with a market cap near $90 billion. Although it remains a top-tier cryptocurrency, price momentum has slowed. XRP is currently consolidating between $1.20 and $1.50, with strong resistance near $1.85 repeatedly capping rallies.

Some analysts are cautious about late-2026 projections. If support weakens, models suggest a move back toward $1.15 is possible. Ongoing escrow unlocks and softer institutional demand after early ETF excitement are key concerns. Given its large valuation, XRP would require substantial new capital inflows to deliver outsized gains, which is leading some traders to explore smaller, higher-growth alternatives.

Cardano (ADA)

Cardano (ADA) is trading near $0.26 with a market capitalization of roughly $9.4 billion. Throughout 2026, ADA has struggled to regain bullish momentum. The price remains below key moving averages, and the $0.33 to $0.40 range continues to act as strong resistance. Each rebound attempt has faced steady selling pressure from holders exiting into strength.

Some analysts have issued cautious projections for late 2026. If network activity does not accelerate, ADA could revisit lower support levels around $0.15 or even $0.10. The concern centers on slowing ecosystem expansion and increased competition from faster smart contract platforms. Without a major catalyst, many traders see limited upside in the near term, prompting growth-focused investors to explore smaller, higher-momentum alternatives.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a developing new crypto protocol. It is designed to be a hub for lending and borrowing that removes the need for banks. The project is currently in Phase 7 of its distribution, with the token priced at $0.04. Since starting at $0.01 in early 2025, it has already surged by 300%. The team has confirmed a launch price of $0.06, giving current participants a built-in advantage.

The protocol has reached a major milestone by activating its V1 protocol on the Sepolia testnet. This is a live beta environment where users can safely test core features without financial risk. Participants can interact with liquidity pools using assets such as ETH, USDT, WBTC, and LINK, observe how interest accrues within the pools, and monitor how borrowing positions are tracked through automated debt accounting.

The V1 release also allows users to see how the liquidation logic responds to changes in collateral value. This transition from documentation to a functional testnet product demonstrates that the lending engine, rate mechanics, and risk controls are operating as designed before any mainnet deployment. 

Mutuum has already raised over $20.5 million and has attracted a global community of more than 19,000 holders. Unlike many older coins, MUTM has a fixed supply of 4 billion tokens, with 45.5% (1.82 billion) set aside for the community. This structured growth is drawing “smart money” away from stagnant large-caps.

mtTokens, Buybacks and High-Accuracy Oracles

The engine of Mutuum Finance is built around mtTokens. When you deposit assets into a liquidity pool, you receive mtTokens as a digital receipt. These tokens are yield-bearing, meaning their redeemable value increases automatically as borrowers pay interest into the pool. 

Instead of manually claiming rewards, the yield is reflected directly in the token’s growth. This mechanism can already be tested in the V1 protocol on the Sepolia testnet, where users can see how interest accrues in a live, risk-free environment.

In addition, the protocol outlines a buy-and-distribute mechanism in its official whitepaper. This model, currently under development for later stages, plans to allocate a portion of platform-generated fees toward purchasing MUTM on the open market and distributing it to eligible participants, aligning long-term usage with token demand. 

This constant buying pressure is why analysts are so bullish. Experts predict that MUTM could reach $0.20 to $0.30 by late 2026, representing a 5x-8x move from the current presale price.

The project also plans to integrate with Layer-2 networks. This is a crucial step because it will make transactions much faster and significantly cheaper. Lower fees are essential for a lending protocol that handles thousands of daily actions. 

By combining elite security (audited by Halborn and CertiK) with high scalability, Mutuum Finance is positioning itself to be a leader in the next generation of digital finance. For those looking for the best undervalued crypto of 2026, MUTM is currently the top name on the list.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Top 3 Undervalued Cryptocurrencies for Long-Term Potential appeared first on CoinoMedia.

Solana (SOL) is once again struggling to reclaim the key $100 level, leaving investors questioning whether momentum has stalled. After multiple attempts to break higher, selling pressure continues to cap short-term upside. As volatility increases and confidence weakens around large-cap tokens, capital is beginning to rotate.

A growing number of investors are now shifting toward lower-priced cryptocurrencies that offer stronger growth potential and clearer utility. With SOL stuck below a critical resistance zone, attention is turning to a cheaper altcoin that is building quietly while the market waits for its next breakout.

Solana (SOL)

Solana (SOL) is currently trading at approximately $87, with a market capitalization of $49 billion. This is a significant drop from its early 2025 surge when it reached an all-time high of $294. 

During that period, Solana was praised for its incredible speed and its growing ecosystem of meme coins and NFTs. However, the momentum has cooled considerably as the network faces stiff competition and maturing market conditions. The current price is sitting nearly 70% below its peak, and the chart shows a series of lower highs that have dampened investor enthusiasm.

A bad price prediction for the 2026-2027 period suggests that SOL could remain trapped in a bearish range between $75 and $95. Analysts who hold this view point to declining network activity and a shift in institutional interest toward Ethereum-based scaling solutions. 

While Solana is still a powerful network, its inability to break past $100 has created a wall of resistance. If the market sentiment does not improve, some experts warn that SOL could even slip toward the $60 support zone by late 2027. This lack of growth potential is what is driving the current rotation into newer, more aggressive opportunities.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is gaining strong attention from experienced investors who are shifting toward utility-driven projects. It is a professional lending and borrowing protocol built on the Ethereum network. 

Instead of relying on hype, Mutuum Finance is focused on building real infrastructure. The platform allows users to earn yield on their holdings or access liquidity without selling their long-term positions. MUTM is currently in Phase 7 of its presale at a price of $0.04.

The project’s funding progress highlights growing confidence. Mutuum Finance has raised over $20.5 million and attracted more than 19,000 holders. This level of early participation suggests that investors see long-term potential in the model. 

At its foundation, the protocol is developing a dual-market system that combines automated liquidity pools with a peer-to-peer layer for custom loan agreements. This structure is designed to improve capital efficiency while giving users more flexibility than traditional single-layer DeFi platforms.

Why Investors Are Rotating from SOL to MUTM

The main reason for the rotation is the difference in growth potential. Solana has lost a huge chunk of its market cap in the last 6 months because it has struggled with network reliability and a lack of new, high-value use cases. 

While it is still a top-ten coin, its “cheap” phase is long over. For an investor to see a 10x return on SOL today, its market cap would need to reach nearly $500 billion, which is a massive hurdle in the current environment. This limitation has made SOL a less attractive option for those looking for explosive gains.

In contrast, Mutuum Finance has just reached its most important milestone: the V1 protocol launch on the Sepolia testnet. This is a functional version of the system that users can already test. It features mtTokens, which are interest-bearing receipts that automatically grow in value as borrowers pay back their loans. 

It also includes an Automated Liquidator Bot that keeps the system safe by closing risky positions. While Solana struggles to find its next move, Mutuum is already delivering a working engine. Seeing a live product before the official launch has given investors the confidence they need to move their funds out of stagnant large-caps and into this $0.04 contender.

Price Prediction Contrast: MUTM vs. SOL

When comparing the future of MUTM to veterans like SOL, the math favors the newcomer. SOL is often seen as a stable, slow-moving asset that relies on legal outcomes for its price action. Most analysts project a modest path for SOL, aiming for $100 or $150 by 2027. 

This is a solid gain, but it does not compare to the projected trajectory of MUTM. Because MUTM is starting at a much lower valuation, experts believe it could reach $0.45 to $0.75 within a year of its launch. This represents a 1,000% to 1,500% increase from the current $0.04 presale price.

To keep the community active, the project features a 24-hour board. Every day, the top daily contributor is rewarded with a $500 bonus in tokens. This competitive element has helped the presale maintain its momentum even during market dips. By combining elite security with a working product and high upside potential, Mutuum Finance is positioning itself as the top crypto opportunity for investors moving away from Solana.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Solana (SOL) Fails to Reclaim $100, Investors Rotate Into This Cheap Crypto appeared first on CoinoMedia.

The Solana price outlook is again on the radar due to capital rotation shifting the crypto market landscape, which is causing investors to re-evaluate their market stance. The asset is attracting attention because of increased interest in newly emerged institutional market uptake, on-chain developments, and utility-based tokens. 

However, with increased volatility among top altcoins, more investors are focusing on projects that have working products along with stronger payment use cases. In addition to that, more market participants are showing increased interest in platforms such as Remittix, which is developing live infrastructure while the market is still in a state of speculation.

Solana Price Outlook: Key Levels as Volatility Expands

Currently, SOL is recording a value of $80.02, a gain of 1.41% over the past 24 hours. Solana’s market value is at $46.58 billion, whereas its trade volume is recording a surge of 20.83%, settling at $4.09 billion. Increasing trading volumes indicate that crypto investors are making moves as the market fluctuates.

According to the technical commentary, it has been observed that the price of the cryptocurrency has found major support at $80. If this level holds, models suggest a rebound toward higher resistance zones. If it fails, downside projections point to $65 as the next structural support. 

This range compression reflects broader crypto trends. Institutional adoption is causing increased exposure to high-throughput blockchain technologies such as Solana. However, market sentiment is still subject to the flow of liquidity. Market participants need to weigh the increases in smart contracts, DeFi, and dApps.

The Solana price outlook remains tied to macro crypto news, ETF flows, and capital migration toward tokens offering clear digital asset utility. In both crypto bull runs and crypto bear market conditions, support zones often determine momentum shifts.

Utility Rotation and the Search for the Best Crypto to Buy Now

Hence, as the Solana price prediction tightens around essential assistance, a segment of the crypto finance industry is moving away from payment-centric coins and moving toward projects that possess real-time value. 

Among the projects attracting much attention is Remittix. Currently, the cost of one RTX token is $0.127. The amount raised from private funding is over $29.3 million. More than 711.6 million, which is over 93% of the total has been sold. As the $30 million mark is near, pressure on the supply side is elevating.

The 300% email allocation multiplier continues to drive strong participation as investors race to secure remaining availability. At the $30 million mark, a major CEX reveal is scheduled, while listings on BitMart and LBank have already been secured for future launch. The team is also preparing a high-profile announcement in the near future, adding another catalyst to the roadmap.

The full wallet is now live on the Apple App Store, marking its first major product release. The Google Play release is underway. The PayFi platform officially launched on 9 February 2026, enabling crypto-to-fiat conversion that bridges blockchain assets with traditional banking rails. 

CertiK Verification and Market Credibility

Remittix has also achieved full team verification by CertiK and is ranked #1 on CertiK for pre-launch tokens. Security validation is increasingly important as crypto regulation tightens globally. Projects audited by established blockchain security firms often gain stronger institutional credibility and smoother onboarding onto centralized exchanges.

The platform has also launched a referral system offering 15% USDT rewards, distributed through its dashboard. 

Capital Rotation and What Comes Next

The Solana price outlook remains sensitive to whether $80 support holds, but broader crypto analysis shows a deeper trend. Capital is increasingly flowing toward projects with working infrastructure, audited smart contracts, and measurable adoption.

As trading volume expands across major crypto exchanges, liquidity concentration around utility platforms could accelerate. Whether Solana rebounds or revisits lower support, volatility appears set to remain elevated.

For investors evaluating the best altcoin to buy now, the market is rewarding projects that demonstrate execution. With RTX trading at $0.127, private funding exceeding $29.3 million, and the $30 million milestone approaching, urgency is rising as allocation tightens.

Discover the future of PayFi with Remittix by checking out their project here:

Website: remittix.io

Socials: https://linktr.ee/remittix  

The post Solana Price Outlook: New Models Highlight Renewed Volatility as Capital Flows Shift to Institutional and Utility Plays appeared first on CoinoMedia.

US Taiwan Trade Deal reduces tariffs to 15%.

Taiwan removes 99% of trade barriers on US goods.

$84 billion in American goods to be purchased.

Stronger Economic Ties Take Center Stage

The newly announced US Taiwan Trade Deal marks a major step in strengthening economic cooperation between the United States and Taiwan. Under the agreement, tariffs will be reduced to 15%, creating a more favorable environment for businesses on both sides.

This move signals a commitment to deeper economic engagement. Lower tariffs mean reduced costs for importers and exporters, which could lead to more competitive pricing and increased trade activity. Businesses in sectors such as technology, agriculture, and manufacturing are expected to benefit the most from this shift.

Taiwan Removes Trade Barriers

A major highlight of the US Taiwan Trade Deal is Taiwan’s commitment to remove 99% of trade barriers on American goods. This decision opens the door for a broader range of US products to enter Taiwan’s market without facing heavy restrictions.

From agricultural exports to advanced industrial equipment, American businesses are likely to see improved market access. This could boost export volumes and help US companies expand their footprint in Asia.

For Taiwan, easing trade barriers enhances supply chain efficiency and strengthens its economic ties with one of its key partners. The deal may also encourage further foreign investment and collaboration in high-growth industries like semiconductors and advanced technology.

JUST IN: United States signs trade deal with Taiwan, cutting tariffs to 15%.

In return, Taiwan will remove "99%" of trade barriers on US and purchase $84 billion worth of American goods. pic.twitter.com/w3tnIqwbtQ

— Watcher.Guru (@WatcherGuru) February 13, 2026

$84 Billion in American Goods

As part of the agreement, Taiwan will purchase $84 billion worth of American goods. This large-scale commitment is expected to provide a meaningful boost to US exporters.

Such purchases could support jobs, increase production capacity, and strengthen bilateral economic stability. The US Taiwan Trade Deal also sends a broader signal to global markets that both nations are committed to maintaining open and predictable trade relations.

For the crypto and fintech sectors, closer US-Taiwan cooperation may create new opportunities in digital infrastructure and cross-border innovation. Stronger trade relationships often lay the groundwork for deeper collaboration in emerging technologies.

The US Taiwan Trade Deal is more than just a tariff adjustment—it represents a strategic partnership aimed at long-term economic growth.

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The post US Taiwan Trade Deal Cuts Tariffs to 15% appeared first on CoinoMedia.

Polymarket traders predict a 68% chance Bitcoin drops to $60K before reaching $80K.

Market sentiment shows short-term caution despite long-term optimism.

Volatility and macro trends remain key drivers of price direction.

Market Bets Signal Caution

Crypto traders on Polymarket are signaling a cautious outlook for Bitcoin. According to the latest betting data, users assign a 68% probability that Bitcoin will touch $60,000 before climbing to $80,000.

This Bitcoin $60K prediction highlights growing uncertainty in the short term. While many investors remain confident in Bitcoin’s long-term trajectory, recent price swings and global economic pressures appear to be influencing sentiment.

Prediction markets like Polymarket allow users to place real-money bets on future events. Because participants have financial incentives, many traders view these markets as a reflection of genuine market expectations rather than simple speculation.

Why Traders Expect a Pullback

The Bitcoin $60K prediction may be driven by several factors. First, Bitcoin has experienced strong rallies in recent months, and markets often correct after rapid gains. Traders could be anticipating a temporary pullback before the next major upward move.

Second, macroeconomic conditions continue to play a significant role. Interest rate policies, inflation data, and global liquidity conditions impact investor appetite for risk assets like Bitcoin. If economic uncertainty increases, short-term downside pressure could follow.

Technical indicators may also support the idea of a retracement. Key resistance levels near $80,000 could slow upward momentum, making a dip toward $60,000 more likely before another breakout attempt.

NOW: Polymarket users predict a 68% chance Bitcoin hits $60K before $80K. pic.twitter.com/UmIrYRbXdA

— Cointelegraph (@Cointelegraph) February 13, 2026

Long-Term Outlook Remains Intact

Despite the strong probability behind the Bitcoin $60K prediction, it does not necessarily signal bearish long-term sentiment. Many traders still believe Bitcoin could reach or exceed $80,000 eventually. The question is simply about which level comes first.

Historically, Bitcoin has gone through multiple cycles of sharp corrections followed by even stronger recoveries. A move toward $60,000 could be viewed as a healthy reset rather than a breakdown.

As always, prediction markets reflect current sentiment, which can shift quickly. Investors should treat these probabilities as insight into trader expectations—not guaranteed outcomes.

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The post Polymarket Traders Lean Toward Bitcoin $60K Prediction appeared first on CoinoMedia.

Michael Saylor Bitcoin Policy supports AI and digital asset leadership.

Calls for constructive regulation to help companies acquire Bitcoin.

Aims to ensure taxpayers benefit from digital asset growth.

A Call for Digital Leadership

Michael Saylor, Executive Chairman of MicroStrategy, is once again pushing for bold action in the digital economy. The latest Michael Saylor Bitcoin Policy message urges the United States to take the lead in both artificial intelligence and digital assets through constructive regulation.

According to Saylor, the US must create a policy framework that allows American companies to innovate freely and acquire Bitcoin as part of their corporate strategy. He believes this approach would not only strengthen businesses but also create long-term value for taxpayers.

Enabling Companies to Acquire Bitcoin

A key part of the Michael Saylor Bitcoin Policy proposal is enabling American corporations to acquire and hold Bitcoin without excessive regulatory hurdles. Saylor has long argued that Bitcoin represents digital property and a strategic asset that can strengthen corporate balance sheets.

If companies are supported by clear and constructive rules, they can invest confidently in Bitcoin and other digital assets. This could help the US maintain its competitive edge as global demand for decentralized financial infrastructure continues to grow.

Supporters of this view argue that Bitcoin adoption at the corporate level could drive innovation in financial services, blockchain technology, and secure digital payments.

NEW: Michael Saylor urges US to lead in AI and digital assets with constructive policy enabling American companies to acquire Bitcoin so taxpayers benefit. pic.twitter.com/yVTQgqzDZW

— Cointelegraph (@Cointelegraph) February 13, 2026

AI, Digital Assets, and Taxpayer Benefits

Beyond Bitcoin, the Michael Saylor Bitcoin Policy also emphasizes leadership in artificial intelligence. Saylor believes that combining AI development with digital asset innovation could unlock massive economic growth.

Constructive policies, he argues, would attract investment, create jobs, and generate tax revenue. In this scenario, taxpayers would indirectly benefit from stronger companies and expanding digital industries.

As other countries move quickly to develop AI strategies and digital asset frameworks, the US faces growing pressure to act decisively. The Michael Saylor Bitcoin Policy message is clear: proactive regulation, not restriction, may be the key to ensuring American leadership in the next era of technology.

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The post Michael Saylor Bitcoin Policy Pushes US Lead appeared first on CoinoMedia.