探索Defi Lending，擊中TVL記錄以及新興的Microcap協議（如Mutuum Finance挑戰已建立的巨頭）的複興。

DeFi Lending's New Wave: TVL Records and the Rise of Microcap Protocols

Defi Lending的新浪潮：TVL記錄和Microcap協議的興起

DeFi lending is back in the spotlight, with Total Value Locked (TVL) soaring. While established players dominate, innovative microcap protocols are making waves. Let's dive into the trends, insights, and potential game-changers.

Defi Lending又重新成為焦點，總價值鎖定（TVL）飆升。在建立的玩家統治時，創新的微型公制協議正在引起波浪。讓我們研究趨勢，見解和潛在的遊戲規則。

DeFi Lending Reaches New Heights

Defi貸款達到新的高度

June saw DeFi lending protocols surge past $55 billion in TVL, signaling a strong comeback for decentralized finance. Investors are showing renewed interest in non-custodial financial services, particularly those offering real yield through crypto-backed loans. This resurgence highlights the growing demand for transparent, flexible, and scalable lending solutions.

6月，Defi貸款方案在TVL的550億美元中激增，這表明了分散融資的強烈捲土重來。投資者表現出對非客戶金融服務的新興趣，尤其是那些通過加密支持的貸款提供實際收益的人。這種複興凸顯了人們對透明，靈活和可擴展貸款解決方案的需求不斷增長。

Spotlight on Microcap Innovation: Mutuum Finance (MUTM)

關於微型映射創新的聚光燈：Mutuum Finance（MUTM）

While giants like Aave and Compound grab headlines, Mutuum Finance (MUTM), a microcap project, is quietly gaining traction. Built on principles of transparency and scalability, Mutuum introduces a dual lending engine, offering both Peer-to-Collection (P2C) and Peer-to-Peer (P2P) lending within the same platform. This unique approach caters to a broad range of users, from passive depositors to active traders seeking customized terms.

雖然像Aave和復合雜誌的巨人抓住了頭條新聞，但Mictopap項目Mutuum Finance（MUTM）卻悄悄地獲得了吸引力。 Mutuum建立在透明度和可擴展性的原則上，引入了雙貸款引擎，在同一平台內提供點對點（P2C）和點對點（P2P）貸款。這種獨特的方法可以滿足廣泛的用戶，從被動存款人到尋求定制條款的活躍交易者。

Dual Lending System

雙貸款系統

Mutuum's P2C model allows users to deposit assets like ETH, SOL, and stablecoins into shared liquidity pools, enabling overcollateralized loans. Depositors earn mtTokens, representing their share and offering instant liquidity. The P2P model provides direct lending with customizable terms, including support for emerging tokens like DOGE and SHIB. This combination gives Mutuum a competitive edge, attracting both passive and active DeFi participants.

Mutuum的P2C模型允許用戶將ETH，SOL和Stablecoins等資產存入共享的流動性池中，從而實現過度貸款。存款人賺取mttokens，代表其份額並提供即時流動性。 P2P模型提供具有可自定義條款的直接貸款，包括對Doge和Shib等新興令牌的支持。這種組合使Mutuum具有競爭優勢，吸引了被動和主動的Defi參與者。

Presale Success and Security

預售成功和安全

Mutuum Finance has already raised over $11.3 million in its presale, attracting over 12,600 token holders. With a presale price of $0.03, MUTM offers an accessible investment opportunity. Security is paramount, with smart contracts audited by CertiK, achieving impressive scores. A $100,000 giveaway further amplifies awareness and expands the project's community.

Mutuum Finance已經籌集了超過1,130萬美元的預售，吸引了12,600多個令牌持有人。 MUTM的預售價格為0.03美元，提供了可訪問的投資機會。安全性至關重要，Certik審核的智能合約獲得了令人印象深刻的分數。 100,000美元的贈品進一步擴大了知名度並擴大了項目的社區。

Stablecoin Launch and Layer-2 Integration

Stablecoin發射和2層集成

Mutuum plans to launch a decentralized, overcollateralized stablecoin, designed to maintain a value near $1. Unlike traditional stablecoins, this one is minted only when users borrow and burned upon repayment. Governance will manage the borrowing interest rate to maintain the peg. The platform's beta version is expected to launch with Layer-2 integration, ensuring faster and cheaper transactions.

Mutuum計劃推出一個分散的，過度的STABLECOIN，旨在保持價值接近1美元。與傳統的Stablecoins不同，只有在用戶借用並在還款時燃燒時，才會鑄造這種情況。治理將管理借貸利率維持釘子。該平台的Beta版本有望通過第2層集成來啟動，以確保更快，更便宜的交易。

Suilend: A Case Study in Sui's DeFi Ecosystem

Suilend：SUI Defi生態系統中的案例研究

Another notable player is Suilend, a decentralized lending protocol on the Sui blockchain. It quickly became a leading DeFi protocol on Sui, reaching $1 billion in TVL. Suilend's success underscores the importance of first-mover advantage and innovative roadmaps, including liquid staking and AMM solutions. Its architecture leverages Sui's unique features for speed and security, offering a pool-based lending model with multi-asset collateral support.

另一個值得注意的球員是Suilend，這是SUI區塊鏈上的分散貸款協議。它很快成為SUI領先的Defi協議，在TVL中達到了10億美元。 Suilend的成功強調了第一步優勢和創新的路線圖的重要性，包括液體蒸發和AMM解決方案。它的體系結構利用Sui的獨特功能來實現速度和安全性，並提供具有多資產抵押支持的基於池的貸款模型。

The Rise of Innovative Tokenomics

創新的標記學的興起

Suilend's SEND token introduces a unique

Suilend的發送令牌引入了獨特