2025年的加密市場不再只是騎著大人物的浪潮

投資者正在縮小提供現實世界功能和潛力超大收益的項目。 XRP和Matic最成熟的兩個Altcoins之一

In the dynamic landscape of the crypto market, investors are shifting their focus from the biggest names to projects that offer real-world functionality and potential for outsized gains.

在加密市場的動態景觀中，投資者將重點從知名人士轉移到提供現實世界功能和超大收益潛力的項目。

While two of the most established altcoins, XRP and MATIC, are still staples in most portfolios, their explosive growth phases may already be priced in.

儘管大多數投資組合中的兩個最成熟的Altcoins XRP和Matic仍然是主食，但它們的爆炸性生長階段可能已經被定價。

That’s why a growing number of analysts and early investors are watching Mutuum Finance (MUTM) — a low-cap DeFi project that’s starting to stand out for all the right reasons.

這就是為什麼越來越多的分析師和早期投資者正在觀看Mutuum Finance（MUTM）的原因，這是一個低CAP DEFI項目，出於所有正確的原因而開始脫穎而出。

At a Glance: A New Chapter in Decentralized Finance

一眼：分散財務的新篇章

Mutuum Finance has remained largely under the radar so far, but that may not last much longer. The fourth stage of its ongoing presale has already generated over $7.75 million, highlighting strong investor interest. The price per token is fixed at $0.25 for now, though more than 65% of this round is complete. Once this phase wraps, the price climbs to $0.03, with a confirmed launch value of $0.06 — making now one of the last chances for early entry.

到目前為止，Mutuum Finance在很大程度上一直保持在雷達之下，但可能不會持續更長的時間。其持續預售的第四階段已經產生了超過775萬美元，強調了強大的投資者利益。目前，每個令牌的價格固定為0.25美元，儘管本回合的65％以上已完成。一旦此階段包裝，價格就會上漲至0.03美元，確認的發行價值為0.06美元，現在是早期進入的最後機會之一。

At its core, this decentralized protocol is designed to help users do more with the assets they already own. Rather than encouraging investors to sell their holdings to access capital, Mutuum allows them to deposit crypto like ETH, SOL, or stablecoins and borrow other assets in return. The platform uses smart contracts to handle these operations without third-party control — making the entire process non-custodial and transparent.

從本質上講，該分散的協議旨在幫助用戶更多地利用他們已經擁有的資產。 Mutuum不鼓勵投資者將自己的股份出售給資本，而是讓他們存入諸如ETH，SOL或Stablecoins之類的加密貨幣並藉用其他資產作為回報。該平台使用智能合約在沒有第三方控制的情況下處理這些操作，這使整個過程變得非監護和透明。

Where things get even more interesting is Mutuum’s approach to token utility and sustainability. The protocol generates fees through lending activities, and instead of simply collecting those fees, it puts them to work — by buying MUTM tokens on the open market and sending them to engaged participants. This model supports a flow of passive rewards tied directly to real usage, which is increasingly appealing to long-term holders looking for more than just price speculation.

事物變得更加有趣的是Mutuum的代幣實用性和可持續性的方法。該協議通過貸款活動產生費用，而不是簡單地收取這些費用，而是通過在公開市場上購買MUTM令牌並將其發送給參與者。該模型支持直接與真實用法相關的被動獎勵，這越來越吸引長期持有人，而不僅僅是尋求價格投機的人。

A Deep Dive into Platform Scalability and Tech

深入了解平台可伸縮性和技術

Mutuum isn’t just about convenience — it’s built with scalability in mind. The developers have announced that the platform will run on Arbitrum, a Layer 2 network known for reducing congestion and improving transaction efficiency. But rather than relying on general L2 benefits, the team is implementing its own tech solutions to further lower costs. For example, by compressing transaction data and assigning compact asset identifiers, Mutuum minimizes network load — which makes a big difference when the platform begins scaling.

Mutuum不僅僅是便利性 - 它構建了可擴展性。開發人員宣布，該平台將以仲裁運行，這是一個以降低交通擁堵和提高交易效率的2層網絡。但是，該團隊並沒有依靠一般的L2福利，而是正在實施自己的技術解決方案，以進一步降低成本。例如，通過壓縮交易數據並分配緊湊的資產標識符，Mutuum最大程度地減少了網絡負載，這在平台開始擴展時會產生很大的不同。

The smart contracts are undergoing a full audit by CertiK, one of the leading names in blockchain safety reviews. That should give more confidence to investors who have seen too many DeFi platforms launch without proper safeguards in place.

智能合約正在接受Certik的全面審核，這是區塊鏈安全評論中的主要名稱之一。這應該給那些在沒有適當保障措施的情況下推出了太多Defi平台的投資者。

Unlike many other projects that delay product rollout, Mutuum intends to launch a beta version of its platform at the same time MUTM becomes available on exchanges. That means users will have immediate access to real features like lending, borrowing, and earning protocol-based returns — all while the token is still fresh to market.

與許多其他延遲產品推出的項目不同，Mutuum打算在交易所上使用MUTM的同時推出其平台的Beta版本。這意味著用戶將立即訪問真正的功能，例如貸款，借貸和賺取基於協議的收益 - 所有這些都仍然是新鮮的市場。

For comparison, XRP’s current structure still revolves heavily around legacy remittance narratives, and MATIC — despite strong technology — is dealing with market saturation and slower growth forecasts. MUTM, on the other hand, is entering with a clean slate, solid mechanics, and increasing buzz from those searching for the best cryptocurrency to invest in now.

為了進行比較，XRP目前的結構仍然圍繞傳統匯款敘事而大大圍繞著，儘管技術強大，但Matic仍在處理市場飽和度和較慢的增長預測。另一方面，MUTM正在以乾淨的板岩，堅實的力學和嗡嗡聲加入那些尋求最佳加密貨幣的人的嗡嗡聲。

Some experts say the token could reach up to $0.30 or higher in the early stages, and longer-term estimates go even further. Based on platform fundamentals and projected user activity, it’s not out of the question that MUTM becomes a strong contender for the next wave of blue-chip DeFi coins.

一些專家說，該令牌在早期階段可能會達到0.30美元或更高，並且長期估計更進一步。基於平台的基礎知識和預計的用戶活動，毫無疑問，MUTM成為下一波藍芯片Defi硬幣的強大競爭者。

For example, an investor who commits $1,800 now at $0.25 could be looking at a position worth over $43,000 when the token reaches $0.60 — even before the often-discussed $1+ milestones are achieved.

例如，現在以0.25美元的價格投入1,800美元的投資者可能會在代幣達到0.60美元時，即使在實現經常討論的$ 1+的里程碑之前，價值超過43,000美元。

In summary, while tokens like XRP and MATIC have already delivered their early returns, Mutuum Finance is still at the starting gate — with the tools, community support, and token model to go much further. As we move into June, the window to get in before the next presale jump is narrowing. For anyone scanning the market for the next breakout project, Mutuum is worth a serious look.

總而言之，儘管像XRP和Matic這樣的代幣已經交付了早期的回報，但Mutuum Finance仍在開始 - 具有工具，社區支持和代幣模型，可以進一步發展。當我們進入六月時，窗戶要進入下一個預售越來越狹窄。對於任何掃描下一個突破項目的人來說，Mutuum值得一提。