在過去的幾個月中，許多投資者都等待了前20名加密貨幣重新獲得動力。

像Ada和Matic這樣的硬幣曾經被視為可靠的賭注，最近幾乎看不到價格動作或令人興奮的發展。

Over the last few months, many investors have been waiting for the top 20 cryptocurrencies to regain momentum.

在過去的幾個月中，許多投資者一直在等待排名前20的加密貨幣重新獲得動力。

Coins like ADA and MATIC, once seen as reliable bets, have shown little price action or exciting developments recently. Despite their high market caps and brand recognition, their returns have been minimal.

像Ada和Matic這樣的硬幣曾經被視為可靠的賭注，最近幾乎看不到價格動作或令人興奮的發展。儘管他們的市值很高和品牌認可，但他們的回報卻很少。

This trend has left many retail investors disappointed and searching for better opportunities.

這種趨勢使許多零售投資者感到失望，並尋找更好的機會。

One emerging project that is beginning to attract serious attention is Mutuum Finance (MUTM). While it’s still flying under the radar, early adopters of MUTM have already enjoyed significant gains—and the token is still priced under $0.03.

一個開始引起嚴重關注的新興項目是Mutuum Finance（MUTM）。雖然它仍在雷達下飛行，但MUTM的早期採用者已經獲得了巨大的收益，而代幣的價格仍然低於0.03美元。

With eight more presale phases to go, a detailed roadmap, passive earning tools, and growing interest, this altcoin might outshine many of the crypto giants by the end of the year.

憑藉八個預售階段，詳細的路線圖，被動的收入工具以及日益增長的興趣，該山寨幣可能會在今年年底之前超過許多加密巨頭。

MUTM outpaces 90% of low-caps

MUTM超過90％的低帽子

MUTM launched its presale at just $0.01. Now, in Phase 5, it has reached $0.03—marking a 200% increase from its starting price.

MUTM以0.01美元的價格推出了預售。現在，在第5階段，它已達到0.03美元，標誌著其起價增長200％。

In comparison, the majority of low-cap tokens have seen either flat returns or declined during the same period. So far, over $9.1 million has been raised and more than 504 million tokens have been sold to over 10,900 holders.

相比之下，大多數低CAP代幣都在同一時期看到平坦的回報或下降。到目前為止，已經籌集了超過910萬美元的資金，超過10,900個持有人已售出超過500400萬個令牌。

This strong early demand demonstrates both investor trust and momentum.

這種強勁的早期需求表明了投資者的信任和動力。

For those entering at the current price, there is still major upside.

對於那些以當前價格進入的人，仍然有很大的上漲空間。

With eight presale phases remaining and the final phase set at $0.06, the token price is expected to double before even hitting public exchanges.

剩下八個預售階段，最後階段定為0.06美元，代幣的價格預計甚至在進行公共交流之前將翻倍。

Investors waiting for later stages may find their profit margin reduced, making now a strategic time to get in early before major listing announcements push prices higher.

等待晚期的投資者可能會發現其利潤率降低了，這使得現在是一場戰略時間，在重大清單公告提高價格之前就開始了。

Why Mutuum Finance is different

為什麼Mutuum Finance不同

Mutuum Finance is not just another lending platform. It is a decentralized, non-custodial liquidity protocol that supports both peer-to-pool (P2C) and peer-to-peer (P2P) lending models.

Mutuum Finance不僅是另一個貸款平台。它是一種分散的非監測流動性協議，支持點對上（P2C）和點對點（P2P）貸款模型。

In the P2C system, users deposit crypto assets into shared pools and earn interest based on the activity and demand in those pools.

在P2C系統中，用戶將加密資產存入共享池中，並根據這些池的活動和需求賺取利息。

For instance, if a user deposits $10,000 worth of ETH into the platform during high utilization, they can earn competitive passive income—sometimes even more than traditional DeFi platforms offer, depending on pool activity.

例如，如果用戶在高利用率期間將價值10,000美元的ETH存入該平台，則他們可以賺取競爭性的被動收入，其中有時甚至比傳統的Defi平台所提供的更多，具體取決於泳池活動。

On the P2P side, Mutuum Finance allows users to lend directly to others, with full control over interest rates and loan duration.

在P2P方面，Mutuum Finance允許用戶直接借給他人，並完全控制利率和貸款期限。

What makes this particularly exciting is that users can lend or borrow assets not commonly available on traditional platforms—such as meme coins like DOGE, SHIB, or PEPE—opening new doors for crypto enthusiasts seeking variety and flexibility.

使這種特別令人興奮的是，用戶可以在傳統平台（例如Doge，Shib或pepe）上借出或借用不常見的資產，為尋求多樣性和靈活性的加密愛好者打開了新的門。

Utility, passive income, and mtTokens

公用事業，被動收入和mttokens

Mutuum Finance offers more than just speculation. Users who deposit assets into the protocol receive mtTokens, which are tokenized receipts of their deposits.

Mutuum Finance不僅提供猜測。將資產存入協議的用戶會收到MTTOKENS，這些用戶是其存款的標記收據。

These mtTokens automatically earn interest and reflect the real-time value of both the deposit and its returns.

這些mttokens會自動賺取利息，並反映押金的實時價值及其收益。

On top of that, users who stake mtTokens in designated safety modules are eligible for passive dividends in MUTM, funded by the platform’s revenue buybacks.

最重要的是，在指定的安全模塊中存放mttokens的用戶有資格獲得MUTM中的被動股息，該股息由該平台的收入回購資助。

This model rewards long-term holders with more than just token appreciation—it offers sustainable passive income.

該模型以不僅僅是代幣的欣賞而獎勵長期持有人，它提供了可持續的被動收入。

One of the biggest concerns in crypto investing is project reliability. Mutuum Finance has already undergone a full smart contract audit in its early phase.

加密投資最大的擔憂之一是項目可靠性。 Mutuum Finance在早期階段已經進行了完整的智能合同審核。

On top of that, the project is building its infrastructure in a transparent and professional manner.

最重要的是，該項目正在以透明和專業的方式建立其基礎設施。

Its roadmap outlines every development phase, including core smart contract work, DApp front-end, analytics tools, exchange listings, and regional compliance efforts.

它的路線圖概述了每個開發階段，包括核心智能合同工作，DAPP前端，分析工具，交流清單和區域合規性工作。

A standout feature is its AI-powered helpdesk, which assists users with technical and general questions in real time, reducing support issues and improving user experience.

其出色的功能是其AI驅動的HelpDesk，它可以實時幫助用戶進行技術和一般問題，從而減少支持問題並改善用戶體驗。

Combined with future plans for multi-chain expansion and institutional partnerships, Mutuum Finance is setting itself up to compete with established platforms.

結合未來的多鏈擴展和機構合作夥伴關係的計劃，Mutuum Finance正在與已建立的平台競爭。

Real numbers and real growth

實際數字和實際增長

From a data perspective, MUTM is showing real momentum. With more than 10,900 holders and over half a billion tokens already sold, the numbers support the community’s enthusiasm.

從數據的角度來看，MUTM顯示出真實的動量。已經出售了超過10,900個持有人和超過50億代幣，這些數字支持了社區的熱情。

The rise from $0.01 to $0.03 represents a 200% return—something the majority of top 20 coins haven’t achieved in over a year.

從0.01美元上升到0.03美元，代表了200％的回報，這是一年多以來前20個硬幣中沒有取得的大部分。

Imagine investing $1,000 at the current price of $0.03. When the token does a 35x after listing, that investment could be worth $35,000.

想像一下，以當前價格為0.03美元投資1,000美元。當代幣在上市後進行35倍時，這項投資價值35,000美元。

These numbers are realistic considering the platform’s fundamentals, token utility, and current interest level from investors.

考慮到平台的基本面，代幣公用事業以及投資者目前的利息水平，這些數字是現實的。

And once institutions take notice, price growth could accelerate beyond expectations.

而且，一旦機構注意到，價格增長可能會超出預期。