Dubai, UAE, February 13, 2026
XRP whales are making headlines again, but this time, it’s not just about Ripple’s price action. After a rally in a lesser-known altcoin, on-chain activity suggests that some large XRP holders are rotating capital into this lower-priced opportunity.
As XRP consolidates and traders reassess upside potential for 2026, analysts are comparing growth trajectories between established large-cap tokens and emerging altcoins with smaller market caps. The shift signals a broader capital rotation trend, where experienced investors seek asymmetric returns beyond traditional favorites.
Ripple (XRP)
Ripple (XRP) remains a massive force in the digital asset world, currently trading at approximately $1.40. With a market capitalization holding steady around $90 billion, it continues to be a top choice for cross-border settlements.
Many early investors remember the legendary surge years ago when XRP climbed from a fraction of a cent to over three dollars. That early explosion made it a staple of the industry and built a community of millions. However, the path ahead for XRP looks increasingly difficult as it faces massive overhead resistance.
Technical charts show that XRP is struggling to break through heavy sell zones located between $1.60 and $2.40. Every attempt to rally toward these levels has been met with significant selling pressure, leading to a long period of sideways movement. Because of this, several analysts have issued a cautious price prediction for the 2026-2027 period.
They suggest that XRP may remain range-bound, potentially dropping back toward $1.25 before finding a new bottom. With such a high market cap already in place, the chances of seeing another return are very low. This lack of explosive potential is the main reason why many large holders are looking for “cheap” alternatives that have more room to run.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is one of the projects drawing attention from XRP holders’ rotating capital. It is a decentralized, non-custodial lending and borrowing protocol, designed to let users manage liquidity through automated smart contracts rather than centralized intermediaries.
The project is currently in Phase 7 of its presale, with the token priced at $0.04. Since launching at $0.01 in early 2025, MUTM has increased reflecting sustained participation during its structured distribution.
The protocol is built around two core models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C market, users deposit tokens into shared liquidity pools and earn variable APY based on utilization—stablecoin pools, for example, may target estimated ranges of 8–12% when borrowing demand is elevated.
In the P2P market, borrowers access liquidity directly under predefined Loan-to-Value (LTV) parameters. A 70% LTV ratio, for instance, would allow a user depositing $10,000 in collateral to borrow up to $7,000, subject to automated liquidation thresholds if collateral value declines.
To date, Mutuum Finance has raised over $20.4 million and attracted more than 19,000 holders. By combining dual-market lending infrastructure with defined risk controls and scalable design, Mutuum Finance (MUTM) is positioning itself as a structured alternative to speculative tokens, focused on long-term utility and yield generation.
Why Investors Rotate from XRP to MUTM
The rotation is largely driven by differences in growth profile and utility. While XRP remains widely recognized for cross-border payment use cases, its market cap expansion has slowed in recent months, and price action has remained relatively range-bound.
For some investors, this limits near-term asymmetric upside. In contrast, Mutuum Finance (MUTM) is still in an early-stage growth phase, offering a lower entry valuation and expanding development roadmap.
The infrastructure contrast is also notable. Ripple’s model centers on institutional integrations, while Mutuum Finance is building decentralized lending tools accessible to any on-chain participant.
The recent deployment of the V1 protocol on the Sepolia testnet allows users to test liquidity pools, observe mtToken issuance, and monitor automated liquidation mechanisms in real time. Having a live, testable product prior to mainnet rollout has strengthened confidence among larger participants evaluating infrastructure-focused opportunities.
Price Predictions and Security
The contrast in price predictions between the two assets is striking. While analysts expect XRP to grow slowly, the outlook for MUTM is far more aggressive. With a confirmed launch price of $0.06, investors in the current phase are already looking at a significant appreciation.
Some experts believe that once MUTM hits global exchanges, it could reach $0.48 to $0.60 within months, representing a massive return for early participants. This potential is backed by a buy-and-distribute model that creates constant demand for the token by using platform fees to buy back MUTM from the market.
Security is another area where Mutuum Finance stands out. The project has completed a full manual audit with Halborn Security, one of the top firms in the world. This combination of elite security, working technology, and high growth potential is why the XRP whales are making their move. The window to join at the current price is closing fast.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer:
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry risk, including total loss of capital. Readers should conduct independent research and consult licensed advisors before making any financial decisions.
This publication is strictly informational and does not promote or solicit investment in any digital asset
All market analysis and token data are for informational purposes only and do not constitute financial advice. Readers should conduct independent research and consult licensed advisors before investing.
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