Bitcoin (BTC) has experienced a significant downturn, falling 48% from its all-time high of approximately $126,000 in October to around $67,300 as of February 13, 2026. This decline has raised concerns among investors about the potential for a prolonged bearish phase. Analysts are closely monitoring key support levels and macroeconomic indicators, with some predicting a possible drop to $50,000 before recovery. Despite the downturn, Bitcoin remains the dominant cryptocurrency with a market capitalization exceeding $1.3 trillion. Amidst market volatility, Mutuum Finance has launched its V1 protocol on the Sepolia testnet, focusing on non-custodial lending and borrowing. The protocol aims to replace traditional financial intermediaries with smart contracts, allowing users to earn yield or access liquidity using digital assets. Mutuum Finance has raised over $20.5 million, with its native MUTM token seeing a 300% price increase during its presale. The project emphasizes security, having completed audits and offering a bug bounty program to ensure system integrity.