Mutuum Finance（MUTM）已成為一個熱門話題 - 這就是為什麼您應該關心的原因

Solana（Sol）再次成為一個熱門話題，不是因為它的收益，而是其類似過山車的價格波動。

The crypto market has seen some interesting shifts in recent times, especially with the narrative switching from ‘bullish gains’ to ‘sustainable value encodings.’ As Solana (SOL) continues to be a hot topic — not for its price movements but more for the extreme volatility that comes with it, leading some investors to consider more stable, utility-based alternatives — Mutuum Finance (MUTM) is rapidly gaining attention.

加密市場最近發生了一些有趣的轉變，尤其是隨著敘事從“看漲收益”轉變為“可持續價值編碼”。由於Solana（Sol）仍然是一個熱門話題 - 不是因為它的價格變動，而是因為它隨之而來的極端波動，導致一些投資者考慮更穩定的基於公用事業的替代方案 - Mutuum Finance（MUTM）正在迅速引起關注。

This DeFi token is still in presale but is fast becoming a more balanced crypto to buy for 2025.

這種Defi令牌仍處於預售狀態，但迅速成為2025年購買的更加平衡的加密貨幣。

Solana (SOL)

Solana（Sol）

SOL has been noted for its resilience in navigating through liquidations, congestions, and ecosystem speculations, remaining a high-performance Layer 1 solution with a strong developer base.

SOL因其在清算，擁塞和生態系統投機中導航方面的韌性而聞名，並保持了具有強大開發者基礎的高性能層1解決方案。

However, despite its technical capabilities, the token’s recent price action has shown extreme volatility, making it harder for investors to build predictable strategies or capitalize on specific trends.

然而，儘管具有技術能力，令牌最近的價格行動表明了極端波動，這使得投資者難以建立可預測的策略或利用特定趨勢。

But what crypto to buy now that offers both upside and structure?

但是，現在可以購買哪種加密貨幣，可以提供上升空間和結構？

For traders seeking an asset that combines growth potential with a defined use case and token model, Mutuum Finance is quickly emerging as a key contender in the DeFi space.

對於尋求將增長潛力與確定用例和代幣模型相結合的資產的交易者而言，Mutuum Finance迅速成為Defi空間中的關鍵競爭者。

Mutuum Finance (MUTM)

死亡金融（MUTM）

Mutuum Finance is introducing a non-custodial lending and borrowing platform designed to give users complete control over their assets while allowing them to earn yield or access liquidity in a safe and efficient manner.

Mutuum Finance引入了非監護貸款和借貸平台，旨在使用戶完全控制其資產，同時允許他們以安全有效的方式賺取收益率或獲得流動性。

But what truly sets the protocol apart is its dual model: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending — each catering to different asset classes and investor profiles.

但是真正設定協議的是其雙重模型：點與合同（P2C）和點對點（P2P）貸款 - 每種都適合不同的資產類別和投資者資料。

In the P2C model, users deposit supported crypto assets, which are aggregated into shared liquidity pools. Borrowers can then access the available funds by securing their loans with collateral that exceeds the value of the amount borrowed.

在P2C模型中，用戶存入支持的加密資產，這些資產匯總到共享的流動性池中。然後，借款人可以通過超過借入金額的抵押品來確保其貸款獲得可用資金。

Interest rates adjust dynamically depending on how much of the pool is being used. When utilization is high, borrowing becomes more expensive, which in turn incentivizes capital deposits. But when it’s low, the rates become favorable for borrowers, encouraging demand.

利率根據使用多少池的方式動態調整。當利用率很高時，借貸將變得更加昂貴，從而激勵資本存款。但是，當它很低時，利率對借款人有利，鼓勵需求。

This automated and transparent system ensures that participants receive predictable returns, and the health of the liquidity pool is protected through liquidation mechanisms and optimal loan-to-value (TLV) thresholds.

這種自動化和透明的系統可確保參與者獲得可預測的回報，並通過清算機制和最佳貸款對價值（TLV）閾值來保護流動性池的健康。

For those interested in earning passive income in the crypto space, this model offers both efficiency and reliability, which may be more appealing than the price swings of Solana.

對於那些有興趣在加密貨幣領域賺取被動收入的人，該模型既提供效率又可靠性，這可能比Solana的價格波動更具吸引力。

The P2P model takes a more flexible approach, allowing users to lend or borrow by directly negotiating the terms and types of tokens involved. This opens the door to lending on speculative or ‘meme’ tokens like SHIB or other trending tokens that wouldn’t typically qualify for large, risk-averse lending pools.

P2P模型採用了更靈活的方法，使用戶可以通過直接協商所涉及的標記的條款和類型來借出或借用。這為投機性或“模因”令牌（如Shib或其他趨勢令牌）打開了貸款，通常不符合規避風險的大型貸款池的資格。

For instance, a lender could agree to offer SHIB as collateral for a custom USDC loan at an interest rate of 10% per annum, with the terms, tokens, and rate all being defined by the lender and borrower. In this scenario, Mutuum would only be involved in executing the smart contract and collateral logic.

例如，貸方可以同意以每年10％的利率提供SHIB作為定制USDC貸款的抵押品，其條款，代幣和貸款人和借款人的定義所有費用。在這種情況下，Mutuum只會參與執行智能合同和附帶邏輯。

This keeps riskier assets isolated from the core protocol while still giving them a use case within the broader ecosystem, creating diverse earning opportunities to suit different risk tolerances and investment strategies.

這樣可以使風險較高的資產與核心協議隔離，同時仍然在更廣泛的生態系統中為它們提供了用例，從而創造了各種賺錢的機會，以適應不同的風險公差和投資策略。

One of the strongest value drivers behind MUTM is how platform usage directly affects token demand. A portion of the interest and fees generated from lending activity is used to buy MUTM tokens on the open market, which are then distributed to mtToken holders—those who deposit assets into the protocol.

MUTM背後最強大的驅動因素之一是平台使用如何直接影響令牌需求。貸款活動產生的一部分利息和費用用於在公開市場上購買MUTM令牌，然後將其分配給Mttoken持有人，這些人將資產存入協議中。

This creates a feedback loop where higher activity equals more buying pressure and more rewards, reinforcing long-term holding and staking behavior.

這會創建一個反饋循環，其中較高的活動等於更多的購買壓力和更多的獎勵，從而增強了長期的持有和樁行為。

With the presale currently priced at $0.025, analysts are forecasting that MUTM could climb to $2.50 in the months following its launch, driven by rapidly growing user activity and expanding lending utility.

由於目前的預售價格為0.025美元，分析師預測，在推出後的幾個月中，MUTM在迅速增長的用戶活動和擴大貸款實用程序的推動下，其發布後的幾個月可能會攀升至2.50美元。

This would represent a 9,900% increase from its current price—positioning it as one of the next big cryptocurrencies to watch heading into 2025.

這將比目前的價格增加9,900％，將其視為下一個觀看2025年的大型加密貨幣之一。

The fourth presale phase is nearly 70% complete, with more than $7.9 million raised and over 9,700 participants joining the community. The token price is set to increase to $0.03 in the upcoming presale phase and will officially launch at $0.06, with all smart contracts currently undergoing review by CertiK.

第四階段階段已接近70％，籌集了超過790萬美元，有9,700多名參與者加入了社區。代幣價格將在即將到來的預售階段上漲至0.03美元，並將正式上漲0.06美元，所有智能合約目前都在Certik進行審查。

Mutuum has confirmed that, unlike many presale projects that postpone product delivery or shirk product responsibility, a beta version of its platform will be available at launch—enabling users to immediately access P2C and P2P functions, start earning interest, borrow funds, and receive mtTokens from the very first day.

Mutuum已確認，與許多推遲產品交付或推翻產品責任的預售項目不同，其平台的Beta版本將在啟動時可用，可以使用戶立即訪問P2C和P2P功能，開始賺取利息，借入資金，並從第一天開始獲得MTTOKENS。

Solana (SOL) is a core infrastructure player, but its price instability makes it harder to treat as a reliable growth asset in the short term. Mutuum Finance, on the other hand, offers clear utility, risk

Solana（Sol）是核心基礎設施參與者，但其價格不穩定使得在短期內將其視為可靠的增長資產變得更加困難。另一方面，Mutuum Finance提供了清晰的實用程序，風險