加密貨幣價格預測：2026 年值得關注的 DeFi 幣種——MUTM 會超越 XRP 嗎？

探索 Mutuum Finance (MUTM) 等 DeFi 貨幣的潛力，並將其 2026 年價格預測與 XRP 等成熟加密貨幣進行比較。 MUTM 會是下一個大事件嗎？

Crypto Price Predictions: DeFi Coins to Watch in 2026 – Will MUTM Outshine XRP?

加密貨幣價格預測：2026 年值得關注的 DeFi 幣種——MUTM 會超越 XRP 嗎？

The crypto world never sleeps, and predicting the future is a favorite pastime. With 2026 on the horizon, let's dive into some DeFi coins that might just make a splash, comparing their potential to established players like XRP.

加密世界從不睡覺，預測未來是人們最喜歡的消遣。 2026 年即將到來，讓我們深入研究一些可能會引起轟動的 DeFi 代幣，將它們與 XRP 等老牌參與者的潛力進行比較。

Mutuum Finance (MUTM): A DeFi Lending Game Changer?

Mutuum Finance (MUTM)：DeFi 借貸遊戲規則的改變者？

One name buzzing in DeFi circles is Mutuum Finance (MUTM). This project aims to shake up decentralized lending with a non-custodial protocol allowing users to lend, borrow, and earn yield directly through smart contracts. Forget intermediaries – everything's transparently on-chain.

Mutuum Finance（MUTM）是 DeFi 圈子裡炙手可熱的一個名字。該項目旨在通過非託管協議顛覆去中心化借貸，允許用戶直接通過智能合約借貸和賺取收益。忘記中介——一切都透明地在鏈上。

Why the Hype Around MUTM?

為何 MUTM 受到如此熱捧？

• Hybrid Approach: Supports both large liquidity pools and isolated lending markets, balancing risk and flexibility.
• Self-Sustaining Token Economy: Lending activity directly fuels MUTM token growth.
• Strong Presale Interest: Raised over $18.4 million with 18,000+ holders.

Currently in Phase 6 of its presale, MUTM is priced at $0.035, a significant jump from its initial $0.01 launch. With a V1 launch slated for Q4 2025 on the Sepolia Testnet, things are heating up.

目前，MUTM 正處於預售第六階段，售價為 0.035 美元，較最初推出時的 0.01 美元大幅上漲。隨著 V1 計劃於 2025 年第四季度在 Sepolia 測試網上發布，事情正在升溫。

Analysts' Predictions for MUTM

分析師對 MUTM 的預測

Some analysts are bullish, suggesting MUTM could hit $0.25 to $0.30 shortly after launch, assuming market conditions cooperate. Long-term forecasts even hint at $0.40–$0.50 once the system is fully operational. With potential stablecoin integration and Layer-2 expansion, some optimists foresee $0.70 to $1.00 by 2026.

一些分析師持樂觀態度，認為如果市場條件配合，MUTM 推出後不久可能會達到 0.25 至 0.30 美元。一旦系統全面投入運行，長期預測甚至暗示價格為 0.40 至 0.50 美元。隨著潛在的穩定幣集成和 Layer-2 擴展，一些樂觀者預計到 2026 年，價格將達到 0.70 美元至 1.00 美元。

XRP: Still a Viable Option?

XRP：仍然是一個可行的選擇嗎？

XRP, currently trading around $2.55, has shown renewed interest with significant whale accumulation. However, it faces resistance around $2.70 to $2.75, and some indicators suggest consolidation. The upside to $5 represents roughly a 2x return, which, while decent, might not be the explosive growth some investors crave.

XRP 目前的交易價格約為 2.55 美元，隨著大量鯨魚的積累，人們重新表現出了興趣。然而，它在 2.70 至 2.75 美元附近面臨阻力，一些指標表明盤整。上漲至 5 美元意味著大約 2 倍的回報，雖然不錯，但可能不是一些投資者所渴望的爆炸性增長。

XRP's Potential Catalysts

XRP 的潛在催化劑

• Regulatory Clarity: Positive rulings could boost investor confidence.
• Adoption by Financial Institutions: Wider use in cross-border payments.
• ETF Launches: A substantial increase in demand for XRP.

MUTM vs. XRP: The 2026 ROI Showdown

MUTM 與 XRP：2026 年投資回報率對決

While XRP boasts a proven infrastructure and institutional trust, its upside might be limited. MUTM, on the other hand, is a younger, more speculative play with the potential for a significantly larger payoff.

儘管 XRP 擁有經過驗證的基礎設施和機構信任，但其上漲空間可能有限。另一方面，MUTM 是一種更年輕、更具投機性的遊戲，有可能獲得更大的回報。

Other Coins Mentioned

提到的其他硬幣

The provided articles also touched on Pi Coin, Shiba Inu, and PEPENODE. Pi Coin's mainnet migration progress offers some reassurance, while Shiba Inu struggles to regain momentum. PEPENODE, a mine-to-earn token, shows promise with its presale success.

提供的文章還涉及 Pi Coin、Shiba Inu 和 PEPENODE。 Pi Coin 的主網遷移進展提供了一些保證，而 Shiba Inu 則努力恢復勢頭。 PEPENODE 是一種通過挖礦賺取的代幣，其預售的成功顯示出前景。

Final Thoughts: Where Should You Place Your Bets?

最後的想法：你應該把賭注放在哪裡？

Ultimately, the choice depends on your risk tolerance and investment goals. XRP remains a solid option for those seeking stability, while MUTM offers the potential for higher rewards, albeit with greater risk. Diversifying into newer coins like PEPENODE could also be a strategy to widen exposure to potential gains. As always, do your own research before diving in!

最終，選擇取決於您的風險承受能力和投資目標。對於那些尋求穩定性的人來說，XRP 仍然是一個可靠的選擇，而 MUTM 則提供了獲得更高回報的潛力，儘管風險更大。多元化發展 PEPENODE 等新代幣也可能是擴大潛在收益的一種策略。與往常一樣，在投入之前先進行自己的研究！

So, will MUTM be the DeFi darling of 2026, or will XRP continue its reign? Only time will tell, but one thing's for sure: the crypto rollercoaster is always full of surprises. Buckle up, buttercup!

那麼，MUTM 會成為 2026 年 DeFi 的寵兒，還是 XRP 會繼續統治？只有時間才能證明一切，但有一件事是肯定的：加密貨幣過山車總是充滿驚喜。係好安全帶，毛茛！