2026 Top Crypto Report: Why Bitcoin (BTC) and XRP are Down 40%

For the first time in years, the biggest names in the market are struggling. Bitcoin (BTC) and XRP have both seen their values drop by 40% from their recent highs. This change has made many people rethink their plans. While the old leaders are down, a new crypto trend is starting. Investors are moving away from altcoins that only move on social media news. Instead, they are looking for projects like Mutuum Finance (MUTM) that offer real tools for lending and borrowing.

Bitcoin (BTC)

Bitcoin is often called “digital gold,” but it is not acting like it right now. In early 2026, Bitcoin’s price fell from its peak of over $126,000 down to the $66,000 range. There are a few main reasons for this. 

First, big banks and professional funds are selling. These large groups are worried about higher interest rates. When interest rates stay high, these investors prefer to keep their money in safe places like cash or bonds.

Second, the “easy money” from Bitcoin ETFs is slowing down. In the past, these funds brought in billions of dollars every week. Now, more money is leaving the funds than coming in. This puts a lot of downward pressure on the price. 

Finally, global tensions are making traders nervous. Instead of buying Bitcoin, many are buying actual gold or silver. Because of these factors, Bitcoin is currently stuck in a “bear market” that could last through the end of the year.

Ripple (XRP)

XRP is also feeling the pain of this market shift. After a big win in court back in 2025, many people expected XRP to hit $8 or even $10. Instead, the price has dropped 40% from its January high of $2.40. It is now trading near $1.40. This drop happened because the “hype” around its legal victory has faded.

Institutional investors are now being much more careful. They are no longer buying XRP just because of news. They want to see more people actually using the XRP Ledger for payments. Without a big “spark” of new adoption, XRP is following the rest of the market lower. 

Some banks have even lowered their price targets for the end of 2026. This shows that even the most famous coins are not safe from a general market downturn.

Mutuum Finance (MUTM)

As Bitcoin and XRP struggle, more than 19,000 investors have turned their attention to Mutuum Finance. This project is different because it is developing for utility, not just trading. Mutuum Finance is preparing a professional liquidity hub. It would allow people to lend their assets and earn interest automatically.

The project’s whitepaper highlights a developing Peer-to-Contract (P2C) market. When you put your digital money into a pool, you get “mtTokens.” These tokens represent your share of the pool. 

As other people borrow from that pool and pay fees, your “mtTokens” grow in value every second. This gives people a way to earn a steady return even when the rest of the market is going down. This focus on working technology is why many see MUTM as a “flight to quality” during these shaky times.

Safety Standards in a Bear Market

In a market where prices are falling, safety is the most important thing. Mutuum Finance has taken big steps to prove it is a secure platform. Its smart contracts were checked by Halborn Security. This is a very famous firm that looks for bugs in code. Mutuum also has a high trust score from CertiK, which is like a health report for crypto projects.

The platform also is building a Peer-to-Peer (P2P) market. This lets two people make a private deal on their own terms. To make sure lenders are safe, the system uses a “Loan-to-Value” (LTV) ratio.

 If a borrower wants $700, they must show they have $1,000 in assets first. If their assets drop too much in value, the system sells a small part to pay back the lender. This smart technology helps prevent the kind of big losses seen in older crypto crashes.

MUTM Presale Progress 

Despite the market being down 40%, Mutuum Finance is growing. The project is currently in Phase 7 of its presale. It has already raised over $20.6 million. The price is currently $0.04, but it is expected to rise to $0.06 when it officially launches. More than 850 million tokens have already been claimed by the community.

To keep people involved, the project has a 24-hour leaderboard. Every day, the most active person in the ecosystem wins a $500 reward. This helps build a strong community that cares about the project’s success. While Bitcoin and XRP are waiting for better economic news, Mutuum Finance is moving ahead with a clear plan.

The road to 2027 looks challenging for many top cryptocurrencies. Bitcoin will need to find new buyers to reclaim its record highs. XRP will need to prove it is more than just a payment bridge. For many investors, the lesson of 2026 is clear: utility is more important than hype.

Mutuum Finance is positioning itself to be a leader in the next crypto era of finance. By building a safe and professional lending hub, it offers something that meme coins and older assets often lack. As the market continues to change, the move toward projects like MUTM could likely to become the new standard for everyone.

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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