Long-Term Holders Defend ETH $1,900 as Mutuum Finance (MUTM) Funding Nears $21M Landmark

The crypto market is entering a high-stakes tug-of-war as February 2026 winds down. While several major altcoins are feeling the weight of a recent downturn, a strong group of supporters is refusing to let the leaders fall further.

As the old guard fights to keep its footing, a new wave of capital is flowing into emerging projects that are hitting massive funding milestones. Every trader is watching these two forces to see which one will lead the next crypto cycle.
Ethereum (ETH)

Ethereum is currently the main focus of market analysts as it battles to stay above a key psychological floor. As of February 20, 2026, the price of ETH is hovering around $1,940.

Despite being the foundation for thousands of apps, its total market cap has slipped to approximately $239 billion. This drop comes after a difficult start to the year, with the coin losing nearly 34% of its value since January.

The charts show that Ethereum is stuck beneath heavy resistance zones. The first major hurdle is at $1,985, followed by a much stronger barrier at $2,000. If the bulls cannot push the price back above $2,000, the outlook remains cautious.

Some bearish predictions suggest that if the current support breaks, we could see a slow decline toward $1,600. Even more optimistic views are quite modest, predicting only a small 15% increase to reach the $2,200 level by next month. This lack of a strong "spark" is making many investors look for more active opportunities in the DeFi space.

Mutuum Finance (MUTM)

While the giants are moving sideways, Mutuum Finance (MUTM) [https://mk.mutuum.com/fzxvt] is gaining speed as it builds a new kind of liquidity market. Mutuum Finance is a decentralized lending protocol that aims to make borrowing and lending as easy as sending an email.

The project prepares a "dual-market" system[https://docs.mutuum.com/introduction/concepts/liquidity-protocol]. One side uses big liquidity pools for instant loans, while the other side allows for direct peer-to-peer deals where users set their own rates.

The project is currently in Phase 7 of its growth. In this stage, the token is priced at $0.04, which is a 300% increase from where it started. The team has already confirmed that the official launch price will be $0.06.
This clear path toward the $21 million funding landmark shows that the community is ready for a change. With over 19,000 holders already on board, the project is moving quickly from a plan to a reality.

V1 Protocol Launch on Sepolia

Mutuum Finance has already moved past the "whitepaper" stage by launching its V1 protocol [http://app.mutuum.com] on the Sepolia testnet. This is a live environment where users can practice lending and borrowing without any risk to their real funds. It allows the community to see exactly how the mtToken system works.

On this testnet, users can deposit major assets like ETH, WBTC, LINK, and USDT. When you deposit, you receive mtTokens, which act like a digital receipt. These receipts automatically increase in value as interest is collected from borrowers.
The V1 launch also features an Automated Liquidator Bot. This bot watches every loan to make sure the platform stays safe and solvent. Seeing these tools in action has given investors the proof they need that the technology is ready for the big stage.

Security, Oracles and Stablecoin Plans

To protect its growing community, Mutuum Finance has focused heavily on security. The project has completed a full manual audit of its smart contracts with Halborn, a top-tier security firm. It also maintains a high 90/100 trust score from CertiK, which monitors the code for any weaknesses. To add even more safety, a $50,000 bug bounty is active to reward researchers who find potential issues.

The official roadmap includes even more advanced features. The team is planning to launch a native stablecoin that is over-collateralized by the interest flowing through the protocol. This will give users a stable way to store value and pay for fees. To keep prices fair, the platform will use decentralized oracles. These oracles bring real-time price data onto the blockchain to ensure every loan and liquidation is based on accurate market facts.

As long-term Ethereum holders defend the $1,900 floor, projects like Mutuum Finance are providing the innovation that keeps the sector moving forward. With its focus on safety, technical proof, and a clear funding path, MUTM is positioning itself as a leader in the next generation of decentralized finance.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

About Mutuum Finance

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

Contact Information
J. Weir
Contact@mutuum.com

This release was published on openPR.