Bitcoin Drops 48% From ATH: Can BTC Recover in 2026?

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