Here’s Why Whales are Tracking Cardano (ADA) & Mutuum Finance (MUTM) in 2026
Large investors are keeping a close eye on Cardano (ADA) as 2026 begins. On-chain data shows rising whale activity around the network’s token. This often signals growing interest ahead of possible price moves. At the same time, whales are also tracking Mutuum Finance (MUTM). The project has gained attention for its recent progress and steady community growth. As major players adjust their positions, both Cardano and Mutuum Finance are drawing fresh focus. The moves suggest that big investors are preparing for the next phase of the crypto market.
Cardano (ADA)
Cardano (ADA) remains a cornerstone of the blockchain world, but its current performance reflects a period of maturity. As of February 21, 2026, ADA is trading around $0.30, with a total market cap of approximately $13 billion.
While the network continues to host a large number of staking wallets, the explosive growth seen in previous years has slowed significantly. The asset is currently attempting to stabilize after a long corrective phase, with a clear resistance zone sitting at the $0.50 mark.
Technical data shows that the early surges that once defined Cardano are now considered to be in the past. The coin has struggled to break past the $1.00 psychological barrier for a long time, and many mainstream models suggest only a modest recovery for the rest of 2026.
Because the network has a massive circulating supply, the amount of capital needed to trigger a new all-time high is much larger than it used to be. This slow momentum has led many large investors to rethink their positions as they look for assets with a smaller cap and higher potential for expansion.
Mutuum Finance (MUTM)
While the older coins move at a gradual pace, Mutuum Finance (MUTM) is drawing massive attention for its professional approach to decentralized lending. Mutuum Finance is preparing an Ethereum-based protocol designed to replace traditional banks with automated smart contracts. The project is currently in Phase 7 of its structured presale distribution, with MUTM priced at $0.04.
The project has already achieved significant financial milestones, raising over $20.6 million in funding. This growth is supported by a global community of more than 19,000 individual holders. Mutuum Finance is building a dual-market architecture that features both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending.
This system is designed to provide instant liquidity through shared pools while also allowing for custom, direct deals between users. With a confirmed launch price of $0.06, the project offers a clear 50% gap from its current valuation, which is a major draw for those tracking new cheap crypto opportunities.
Why Whales are Rotating Capital in 2026
The reason whales are tracking both ADA and MUTM is linked to a major change in crypto investment strategy. In the case of Cardano, capital is often being managed with a passive tone. Many investors recognize that while the network is secure, its high market cap limits its upside.
As a result, a portion of the funds once held in ADA is being rotated into more agile projects. Large players are moving away from assets that have already reached their peak and are searching for the next cycle of growth.
Mutuum Finance is at the top of this list because it is showing strong presale momentum and rapid roadmap development. Whales are particularly interested in the transition from a “paper plan” to a working product.
Unlike many speculative tokens, MUTM has already launched its V1 protocol on the Sepolia testnet. This proof of progress shows that the technology is functional and ready for the real world. Large investors prefer projects that have finished their technical testing, as it lowers the risk of failure once the platform goes live on the mainnet.
Security, Rewards and Large Scale Moves
Safety is the most important factor for any whale making a six-figure move. Mutuum Finance has addressed this by completing a full manual audit with Halborn Security, one of the most respected firms in the world.
The project also maintains a high 90/100 trust score from CertiK and a $50,000 bug bounty program. These layers of protection ensure that the smart contracts for lending and borrowing are robust and free from vulnerabilities.
The project also features a 24-hour leaderboard that rewards the top daily contributor with a $500 bonus in MUTM tokens. This has created a competitive environment where large players can maximize their holdings while the supply continues to shrink.
On-chain reports show several whale allocations exceeding $115,000, signaling that professional traders are taking large positions before Phase 7 sells out. As the project moves toward its final mainnet launch, the combination of high security and a shrinking token supply is making Mutuum Finance one of the most closely watched cheap altcoins of the year.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
