Whale activity is picking up across the crypto market. Large investors are closely tracking Bitcoin (BTC) as it holds key price levels. Any major move could set the tone for the wider market. At the same time, whales are watching XRP as volatility stays low. A breakout from this quiet phase could attract fresh momentum.
Interest is also building around Mutuum Finance (MUTM). The project has gained attention for its recent progress and steady growth. As big players shift their focus, BTC, XRP, and Mutuum Finance are all on the radar. The next crypto moves from whales could shape the market’s direction.
What you'll learn 👉
Bitcoin (BTC)
Bitcoin remains the primary anchor for the entire crypto sector, but its recent path has been difficult. As of February 21, 2026, Bitcoin is trading near $67,650. It is currently struggling to hold its massive market capitalization of $1.4 trillion.
This valuation is a psychological line in the sand for many long-term holders. Over the past year, the token has faced steady pressure from global macro factors. This has caused the “digital gold” to lose some of the momentum it had during previous rallies.
Technically, Bitcoin is trapped beneath heavy resistance zones. The first major hurdle sits between $71,000 and $72,000. If the bulls cannot reclaim this level, analysts fear the price could slide back toward the $58,000 to $60,000 range.
Some bearish models have even shared a bad price prediction. They suggest that if institutional interest cools further, Bitcoin could see a drop to $54,000 by the end of the year. This lack of upward energy is making many large investors look for more dynamic growth in other areas.
Ripple (XRP)
Ripple (XRP) has long been a favorite for those looking at cross-border payments, but its current performance is a cause for concern. The token is trading around $1.43, with a total market cap of approximately $82 billion.
Despite having a large community, XRP has failed to break out of a long-term sideways trend. It is currently facing stiff resistance near the $1.60 and $1.75 levels. Every time it nears these prices, large sell orders seem to push it back down.
The outlook for XRP remains mixed among market strategists. A recent bad price prediction suggests that XRP could lose its current support floor and dip back toward $1.20 if new banking partnerships do not trigger more demand.
Mutuum Finance (MUTM)
While the giants move at a slow pace, Mutuum Finance (MUTM) is experiencing a surge in demand. Mutuum Finance is preparing a non-custodial protocol built on the Ethereum network. The project is currently in Phase 7 of its structured distribution. The token is priced at $0.04, which is a 300% increase from its starting price of $0.01 in early 2025.
The team is developing a dual-market architecture that is outlined in the official whitepaper. Peer-to-Contract (P2C): This model uses shared liquidity pools. Lenders can deposit assets to earn a competitive APY. These rewards are tracked through yield-bearing receipts called mtTokens.
Peer-to-Peer (P2P): This market allows for direct deals between users. You can negotiate your own interest rates and Loan-to-Value (LTV) ratios. For example, a borrower might lock collateral to access a loan with a 70% LTV.
The project has already raised over $20.6 million from more than 19,000 individual holders. These features are part of the long-term roadmap and are being refined for future release to ensure the protocol is safe and efficient.
Technical Proof
The biggest reason for the recent surge in interest is technical delivery. Mutuum Finance has already launched its V1 protocol on the Sepolia testnet. This is a functional version of the app where users can test core features. Participants can see the issuance of mtTokens for lenders and Debt Tokens for borrowers. This live demo proves that the project is no longer just a plan on paper.
Security is also a top priority for the 19,000 holders. Before the testnet went live, the smart contracts passed a full manual audit by Halborn Security. This review checked every part of the lending logic to ensure user funds are protected. The project also holds a high 90/100 trust score from CertiK. By showing the code in action and getting it audited, Mutuum Finance has built a level of trust that is rare in today’s market.
Why Whales are Tracking BTC, XRP, and MUTM
Large investors, often called whales, are tracking these three assets for very different reasons. For Bitcoin, it is about maintaining a “safe haven” position. Even with the bad price predictions, BTC remains the most secure asset for storing large amounts of capital. For XRP, whales are watching the charts for any sign of a breakout. They hope that a sudden shift in legal status or banking adoption could finally break the resistance.
However, the most active movement is happening toward Mutuum Finance (MUTM). Whales are tracking MUTM because it offers a “technical-first” approach to DeFi. They see the $20.6 million raised as a sign of strong market momentum. Unlike the giants, MUTM is in its early growth stage.
It has a confirmed launch price of $0.06, which offers a clear path for growth potential from the current $0.04 price. The combination of a working V1 protocol, high security scores, and a shrinking supply makes it a primary target for those who watch the 2026 crypto market.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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