Whales Reveal Their Top 3 Crypto List: One of Them Just Hit 300%

The first month of 2026 has brought a major shift to the digital asset market. For years, investors focused on the biggest names in the space. Now, the largest players in the industry, known as whales, are moving their capital into a new category of assets. These large investors are looking for more than just established names. They are searching for protocols that have finished their technical work and are ready for usage. As we move deeper into the year, one specific new cheap crypto project is grabbing all the attention.
Ripple (XRP)
Ripple is currently trading around $1.85 with a market cap of over $115 billion. While it remains a top choice for cross-border payments, its massive size makes it harder to see huge price jumps. The token is facing very strong resistance zones at $1.95 and $2.15. Every time it nears these levels, large sell orders prevent a breakout. The market is currently seeing a phase of neutrality where the price moves sideways without a clear direction.
Some analysts have issued a cautious price prediction for 2026. They suggest that if the global market slows down, XRP could fall back toward $1.20. The main limitation for Ripple is that it already has a huge valuation. For the price to double, the market cap would need to grow by another $90 billion. This is a very difficult task in a market that is becoming more selective about where it puts its money.
Bitcoin (BTC)
Bitcoin is the king of the market, currently priced at $88,500 with a market cap of $1.75 trillion. While it is the most secure asset, it is also the most mature. The resistance zones for Bitcoin are now found at the psychological $90,000 and $95,000 levels. As institutional money through ETFs becomes the main driver, the price moves are becoming more deliberate and slower than in the early years.
Because much of the halving excitement happened early, some experts believe 2026 could be a flat year for the giant. A bearish price prediction suggests that Bitcoin could drop to fill a CME gap at $71,000 or even fall to $65,000 if support breaks. The limitation for Bitcoin is that it no longer offers the explosive 10x or 20x returns that early investors once enjoyed. This is why whales are keeping Bitcoin for safety but looking elsewhere for real growth.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a next-generation decentralized lending protocol that is rapidly ascending the ranks of the top cheap crypto sector by prioritizing functional utility. Built on the Ethereum network, the platform will allow users to seamlessly lend their digital assets to earn passive yield or borrow against them to unlock liquidity, all while maintaining long-term ownership of their holdings.
This focus on practical infrastructure has resonated deeply with the market, as evidenced by its massive presale success, which has now raised over $20.1 million from a global community of more than 19,000 holders. By delivering a system that bridges the gap between retail users and institutional-grade requirements, the project has established itself as a preferred destination for high-net-worth participants, who are increasingly seeking sustainable, utility-driven protocols in 2026.
The project is currently in Phase 7 of its presale. The price for one MUTM token is $0.04. This is a 300% surge from its starting price of $0.01 in early 2025. With a total supply of 4 billion tokens, nearly half of the presale allocation has already been sold. The official launch price is set at $0.06, meaning current buyers are still getting a 50% discount.

Why MUTM is Set to Outperform in 2026-2027
Analysts believe MUTM will outperform BTC and XRP for 2026-2027 because it is in its early high-growth phase. While BTC needs trillions to move, MUTM is a cheap cryptocurrency. This means a small amount of new money can cause a much larger price increase. The protocol will also use a buy-and-distribute model where platform fees are used to buy tokens back from the market. This creates a natural demand that older coins do not have.
When comparing potential outcomes for 2026, the contrast between established assets and emerging protocols becomes clear through the lens of market capitalization and growth potential. An investment of $500 in Bitcoin (BTC), assuming it reaches a target price of $100,000, would grow to approximately $636 based on current market valuations.
Similarly, a $500 investment in Ripple (XRP) would reach about $606 if the asset hits its key resistance level of $2.00. While these represent stable gains for top-tier assets, the return is proportional to their already massive market presence.
In contrast, Mutuum Finance (MUTM) offers a different risk-to-reward profile as it is currently in its Phase 7 presale at a price of $0.04. If the project meets the expert price target of $0.40, a 1,000% increase, a $500 investment at today's entry point would grow to $5,000.
Protocol Launch and Professional Security
The biggest reason for the whale's interest is the V1 protocol launch on the Sepolia testnet. This happened on January 27, 2026, proving the technology is ready. The V1 version includes liquidity pools, yield-earning mtTokens, and an automated liquidator bot to keep funds safe. The protocol is no longer just a plan; it is a working system that people can test right now.
Security is also at the highest level. Mutuum Finance has passed a full audit by Halborn Security, a firm that works with the biggest names in crypto. It also has a high CertiK score of 90/100 and a $50,000 bug bounty program. Because the security is verified and the tech is live, the final MUTM tokens in Phase 7 are selling out fast. Whales are moving in now to lock in the $0.04 price before the next crypto phase.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

Mutuum Finance (MUTM) is an Ethereum-based, non-custodial decentralized finance (DeFi) protocol designed for lending and borrowing digital assets without intermediaries.

J. Weir
Contact@mutuum.com

This release was published on openPR.