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What Crypto to Buy Now in a Downturn? Top Picks Beyond Bitcoin (BTC), Ethereum (ETH), and XRP

2026-02-09 05:47:02

As the crypto market remains under pressure, many investors are rethinking where to deploy capital during a downturn. While Bitcoin, Ethereum, and XRP continue to dominate headlines, periods of market weakness often push investors to look beyond large-cap assets and toward emerging projects that may offer stronger upside once conditions stabilize.

Why the Crypto Market Is Down Right Now

The current downturn across crypto markets is being driven by a blend of macroeconomic headwinds and internal sell-offs across digital assets. Risk-off sentiment in global markets, ETF outflows, and widespread liquidations have pressured prices of major tokens. Over the past week, prices for Bitcoin (BTC), Ethereum (ETH), and XRP have all moved sharply lower, reflecting weakening demand and broad negative sentiment.

Bitcoin, long regarded as the benchmark, has slipped to around $64,000–$66,000 in recent days, marking a double-digit weekly drop that forms part of a larger correction from 2025 peaks and underscoring limited near-term upside. Ethereum has also suffered, trading near the low $2,000s — down roughly 27% over the last week — as sellers dominate after resistance levels failed to hold. XRP has been among the steeper decliners, losing over 25% in the same period, dipping toward multimonth lows amid heavy selling pressure.

These moves illustrate how, during market stress, large-cap cryptos often experience extended consolidation, making sharp near-term gains harder to achieve for traders focused on quick rebounds. While long-term prospects remain tied to broader adoption narratives, short-term technical conditions and investor risk aversion continue to weigh on price action across the largest tokens.

Why Some Investors Are Looking Beyond BTC, ETH, and XRP

Large-cap cryptocurrencies tend to move more slowly during downturns and early recovery phases. Their size and existing adoption make explosive near-term growth less likely compared to projects that are still in development or presale stages. As a result, some investors are rotating into alternative opportunities where progress is being made regardless of market conditions.

One project increasingly mentioned as a potential alternative is Mutuum Finance, a DeFi platform currently in presale that has continued to deliver development milestones despite broader market volatility.

Mutuum Finance as a Downturn Alternative

Mutuum Finance (MUTM) is still in its presale phase, which is a key reason analysts consider it attractive during a market downturn. The MUTM token launched at $0.01 in Phase 1 and has steadily progressed to $0.04 in the current Phase 7, representing a 300% increase tied to development progress. With a confirmed launch price of $0.06, the total presale cycle reflects a 500% increase from the initial price.

Despite this growth, the current price is still widely viewed as discounted relative to launch. Out of the 1.82 billion tokens allocated for the presale, over 840 million have already been sold, placing the presale close to its midpoint. This combination of price progression and shrinking availability has made Mutuum Finance stand out among new crypto projects during the downturn.

V1 Protocol Is Live and Testable

Another factor supporting Mutuum Finance’s appeal is the launch of its V1 lending and borrowing protocol on the Sepolia testnet. Users can now interact with the platform’s core features in a live environment using testnet tokens rather than real assets.

Within the V1 protocol, users can supply assets such as WBTC, ETH, LINK, and USDT, minting mtTokens that represent their deposit positions and accrue yield over time. Borrowing is enabled through overcollateralized positions, with debt tokens tracking principal and interest in real time.

For example, a user can supply $10,000 worth of WBTC (testnet value), borrow against that position, and monitor how interest and collateral metrics evolve. Supplied assets can also be staked, allowing users to observe how MUTM token dividends are distributed through the protocol’s reward mechanisms. All of this takes place in a simulated testnet environment, meaning no real funds are involved while users explore how the system works.

This hands-on testing is important because it allows investors to evaluate functionality before mainnet, reducing uncertainty around execution.

In a market downturn, opportunities often emerge away from the largest names. While Bitcoin, Ethereum, and XRP remain foundational assets, their near-term upside may be limited during extended periods of volatility. Projects like Mutuum Finance, which are still in presale, actively developing, and offering testable infrastructure, are increasingly being viewed as alternatives worth considering.

With MUTM still priced at $0.04, below its $0.06 launch price, investors currently have a window to secure tokens at a discounted level before the project transitions to full market trading.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

This article is for informational purposes only and does not constitute investment advice. Cryptocurrencies are speculative, complex, and involve high risks. This can mean high prices volatility and potential loss of your initial investment. You should consider your financial situation, investment purposes, and consult with a financial advisor before making any investment decisions. The HackerNoon editorial team has only verified the story for grammatical accuracy and does not endorse or guarantee the accuracy, reliability, or completeness of the information stated in this article. #DYOR

:::tip This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program

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The UI: Why It's the Real AI Agent Bottleneck

2026-02-09 02:59:59

The User Interface (UI) is the real bottleneck for industrializing AI agents. Building an agent requires a specific skill set: LLM understanding, backend engineering, and prompt whispering. Building a good UI requires a completely different one: frontend development, UX design, and product sense.

Why Decoding Uniswap V4 is Harder Than V2 & V3

2026-02-09 01:29:59

Uniswap V4 is fundamentally harder to decode than V2 and V3. The biggest change is that pools are no longer contracts. Hooks are external contracts that emit their own events.

Tech De-Stress First Aid: Breathing Techniques to Bring Yourself Back from Anxiety and Panic

2026-02-09 01:12:40

This is a description of breathing techniques to help with anxiety.

Recursive Language Models - Maybe a Newer Era of Prompt Engineering?

2026-02-09 00:59:59

Recursive language models are one of the simplest and most useful methods for extracting high-quality outputs from large language models. They treat the prompt as a part of an external environment that the model can interact with programmatically.

Brain Energy Economics: Willpower Can’t Solve the Physical Deadlock

2026-02-09 00:26:50

— Recovery Lockout and the “Kindness UI” Spin —

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Introduction

Workplaces continue to treat overwork as if it were a lack of management. If you are drowning, you need discipline. If your health is depleted, you need healing power. If you are broken, you need mindfulness. In some cases, it may be necessary to "push through". Sometimes it's "self-compassion" and "we're here for you." To do this, you take new leadership courses one after another. So was I.

Same underlying demand: absorb the load internally.

That framing collapses under inspection. For high-cognitive-load roles—especially engineers—the problem isn’t willpower. It’s a physical deadlock: the workload exceeds metabolic limits, and the system tries to cover the deficit by moralizing the person.

Okay, let's get started! Let's find out what's happening.

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The Budget of the PFC. The Brain Has a Budget.

Management culture rarely admits it: executive control is not free. Planning, inhibiting impulses, and context-switching rely on the prefrontal cortex (PFC). This circuitry is powerful but metabolically expensive. It runs on a narrow bandwidth that degrades under volatility.

You do not "choose" unlimited self-regulation any more than you choose unlimited oxygen. You allocate a budget. In modern roles, that budget is consumed by design.

==Multitasking is the sharpest example.== People describe it as doing many things at once, but in practice, it is rapid switching: a constant reorientation of attention, a stream of partial starts, and repeated resets of context. Each switch is a tax on executive control. The PFC does not just execute the work; it continually rebuilds the work. What was I doing? What matters now? What is the priority? What is the risk if I ignore this ping?—and then it does it again, and again, and again.

That is why “just focus” is not advice in these environments. It is an abstraction. The bottleneck is not intention. It is bandwidth.

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Compliance Will vs. Authorship

The brain is a forecasting system shaped by history. When you act primarily to satisfy external expectations—metrics, status, or role requirements—you adopt Compliance Will. This is an effort spent maintaining an external format.

It looks like discipline, but it carries a hidden cost: it compresses behavior into rigid, predictable scripts. You stop choosing; you start defaulting. The internal model hardens because it is being rewarded for staying "safe" within the metric rather than learning.

Once you understand that, a few otherwise confusing behaviors become straightforward. One is the sense of brain exhaustion that doesn’t match physical fatigue. Another is the craving for quick fuel when the day has been nothing but switching, vigilance, and high-stakes ambiguity. This is where generic wellness advice often fails in a very specific way.

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Fuel as Infrastructure

A certain kind of lifestyle content treats food as moral identity: low GI, clean meals, stable blood sugar, discipline-by-diet. That can be fine. But it assumes a load profile that many high-output engineers do not have. Under sustained cognitive strain, there are times when “perfect” meals do not restore you.

==I’ve lived this.== When my brain was far past its limit, low-GI eating did not reliably bring me back. The sugar craving wasn’t a character flaw. It was a signal that the system was under-fueled relative to the work it was being forced to perform.

What is the alternative? Not a new personality model for leaders. Not a new moral framework for employees. The shift is simpler and harsher: treat this as engineering.

Start with introspection—not as therapy, and not as self-improvement theater, but as diagnosis. Identify where your “will” is actually Compliance Will: effort driven by external metrics, role anxiety, and the need to be seen a certain way. Name it clearly. Then redesign the environment so your nervous system is not forced to live there.

The mistake is not that people want to eat well. The mistake is treating fuel as a virtue performance rather than infrastructure. If the load is brutal and the fuel strategy is built for someone else’s life, the gap shows up as fog, irritability, reduced executive control, and a stronger pull toward the easiest, most familiar behaviors. Under pressure, the brain doesn’t become nobler. It becomes conservative.

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The Power Dynamic at the Circuit Level

That conservatism is not only about energy. It’s also about prediction. The brain is not a blank slate, making fresh decisions each morning; it is a forecasting system shaped by history. When you keep acting from external expectations—role requirements, status anxiety, performance metrics—you train the system to prefer stability over updating.

You might call this ==Compliance Will==: an effort that exists to maintain an external format. It looks like discipline, but it often comes with a cost: it compresses behavior into predictable scripts.

That is what “rigidity” looks like from the inside. You don’t feel yourself choosing. You feel yourself defaulting. The model hardens because it is being rewarded for staying safe, not for learning. The more you optimize for the role, the less flexible the system becomes.

At the circuit level, the power dynamic is not subtle. Willpower depends heavily on PFC functions—planning, inhibition, working memory. Under perceived threat, faster survival-oriented circuitry can dominate: the amygdala flags salience and risk, and the basal ganglia pull behavior toward familiar loops. When the environment stays volatile—uncertain priorities, constant interruption, social exposure, a background sense that you might miss something important—the system can remain in a high-alert mode. In that state, “try harder” becomes a request for a circuit that is already overdrawn to do even more.

==Willpower depends on PFC functions.== Under perceived threat—uncertain priorities, constant interruption, social exposure—faster survival circuitry takes over. The amygdala flags risk, and the basal ganglia pull behavior toward familiar loops. In this state, "try harder" is a request for an overdrawn circuit to do even more.

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Recovery Lockout

This is where recovery breaks. Physical training often has a relatively legible recovery curve: you sleep, you eat, you adapt. Cognitive overload can behave differently, because the problem is not only exertion. It is sustained arousal. You can want sleep and still fail to downshift. You can be exhausted and still find your mind scanning, bracing, replaying. The feeling is familiar: you are “off work,” yet your system isn’t off. Sleep becomes lighter, shorter, and less restorative. Rest is desired, but it does not arrive on command.

==Call it Recovery Lockout==. It’s not a poetic phrase. It’s an accurate description of what it feels like when the nervous system won’t transition into recovery mode despite your intention.

Now add the modern corporate response: the language upgrade.

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The “Kindness UI” Spin

In many organizations, “push through” has been replaced by kinder scripts—empathy, listening, self-compassion, and psychological safety. Those are not bad words. The problem is what happens when the words serve as a user interface for the same underlying operating system.

When the load model stays untouched, kindness becomes a cosmetic layer. Tone improves; volatility remains. The organization congratulates itself for humane leadership while continuing to demand the same throughput, the same availability, the same context switching. Leaders are evaluated on their warmth, not on their ability to redesign the conditions that keep everyone’s nervous system running hot.

==This is the “Kindness UI” spin:== softer language that makes a broken workload more survivable—just survivable enough to continue.

And because the system doesn’t change, people interpret their continuing exhaustion as a private failure. They keep reaching for more willpower, only now it’s framed as self-work. They learn new vocabulary. They attend HR meetings about new models. The churn increases. The work stays heavy. Confusion grows. The brain hardens further into the safest scripts it has.

So what is the alternative? Not a new personality model for leaders. Not a new moral framework for employees. The shift is simpler and harsher: treat this as engineering.

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PFC Capacity Isn't a Moral Resource

Start with introspection—not as therapy, and not as self-improvement theater, but as diagnosis. Identify where your “will” is actually Compliance Will: effort driven by external metrics, role anxiety, and the need to be seen a certain way. Name it clearly. Then redesign the environment so your nervous system is not forced to live there.

Willpower that’s rooted in external management won’t resolve the impasse. It only masks it—temporarily. The real fix is to stop demanding psychological heroism from biological hardware and start redesigning the load.

When the system isn’t overheating, real intention can surface—quietly, without theatrics.

That’s why self-analysis matters. You need to identify where your “will” is actually compliance, then rebuild conditions where authorship is possible.