與Dogecoin（Doge）不同

如今，投資者一直在尋找不僅提供潛在價格上漲而且可持續回報的代幣。

Investors today are seeking tokens that provide not only the potential for price gains but also real, sustainable returns. While Dogecoin (DOGE) has been surfing the wave of social media hype and celebrity endorsements, it lacks the fundamental financial model that generates ongoing income for its holders. This is where Mutuum Finance (MUTM) comes in, offering a decentralized finance (DeFi) platform with real yield—actual revenue shared with token holders—making it the most promising crypto to watch in the coming months.

當今的投資者正在尋求代幣，不僅提供了價格上漲的潛力，而且還提供真實的可持續回報。儘管Dogecoin（Doge）一直在瀏覽社交媒體炒作和名人代表的浪潮，但它缺乏為其持有人帶來持續收入的基本財務模式。這是Mutuum Finance（MUTM）進來的地方，提供了一個分散的金融（DEFI）平台，具有真正的收益（與代幣持有人共享的實際收入），將其成為接下來幾個月中最有前途的加密貨幣。

What does “real yield” mean in crypto?

“真正的產量”在加密貨幣中意味著什麼？

Real yield refers to income generated by a protocol that is then distributed to its token holders. Unlike purely speculative tokens, which rely on hype and price pumps, a real yield token produces ongoing returns, often derived from fees or revenue streams within its ecosystem. For investors, this means that holding the token can create passive income, not just potential capital gains.

實際收益率是指協議產生的收入，然後將其分配給其令牌持有人。與純粹依賴炒作和價格泵的純投機令牌不同，真正的產量令牌會產生持續的回報，這通常來自其生態系統中的費用或收入流。對於投資者而言，這意味著擁有令牌可以創造被動收入，而不僅僅是潛在的資本收益。

Dogecoin (DOGE), for example, depends heavily on community buzz and social media hype to sustain its price. It does not offer any built-in mechanism to reward holders with real, steady returns. This is a key reason why investors seeking more than short-term gains should be turning their attention to Mutuum Finance (MUTM).

例如，Dogecoin（Doge）在很大程度上取決於社區的嗡嗡聲和社交媒體炒作來維持其價格。它不提供任何內置機制來獎勵以真實，穩定的回報的持有人的獎勵。這是尋求短期收益的投資者應該將注意力轉移到Mutuum Finance（MUTM）的關鍵原因。

How Mutuum Finance (MUTM) delivers real APY

Mutuum Finance（MUTM）如何提供真正的APY

Mutuum Finance (MUTM) is a decentralized, non-custodial liquidity protocol where users can lend, borrow, or liquidate assets within pooled contracts. The platform’s core strength lies in its ability to generate real revenue through lending fees, especially by including Real-World Asset (RWA)-backed tokens. These assets are typically less volatile and more reliable in generating fees compared to typical crypto tokens.

Mutuum Finance（MUTM）是一種分散的，非監測的流動性協議，用戶可以在合併合同中藉入，借用或清算資產。該平台的核心優勢在於它通過貸款費用產生實際收入的能力，尤其是包括現實世界中的資產（RWA）返回的代幣。與典型的加密代幣相比，這些資產通常揮發性較小，在產生費用方面更可靠。

If you deposit $10,000 worth of ETH or DAI into Mutuum’s liquidity pools, you can earn passive income with an annual percentage yield (APY) of 11%-13% that dynamically adjusts based on pool utilization. For example, if a pool’s assets are highly utilized (meaning many borrowers are using the funds), the interest rates become higher, boosting the earnings for lenders. This real APY contrasts sharply with Dogecoin (DOGE), which does not offer any yield and relies purely on speculative price movements.

如果您將價值10,000美元的ETH或DAI存入Mutuum的流動性池中，則可以以每年的百分比收益率（APY）為11％-13％的被動收入，並根據池利用率動態調整。例如，如果高度利用了池的資產（這意味著許多藉款人正在使用這些資金），則利率會更高，從而提高了貸方的收入。這種真正的APY與Dogecoin（Doge）形成鮮明對比，Dogecoin（Doge）不提供任何產量，並且純粹依賴於投機性價格變動。

Mutuum’s native token, MUTM, is designed to capture the value created by the protocol. Token holders benefit directly from the protocol’s success. A portion of the platform’s revenue is used to buy back MUTM tokens from the open market, which are then distributed to users who stake their mtTokens—tokenized versions of deposits in the pools. This mechanism ensures that long-term participants enjoy passive dividends, making MUTM a true revenue-sharing token.

Mutuum的天然令牌MUTM旨在捕獲協議創建的值。令牌持有者直接從協議的成功中受益。該平台收入的一部分用於從公開市場中回購MUTM令牌，然後將其分發給了將其mttokens儲備的用戶分發，即泳池中的存款版本。這種機制可確保長期參與者享受被動的股息，從而使MUTM成為真正的收入共享令牌。

Comparing this to Dogecoin (DOGE), which has no revenue-sharing mechanism or dividends, Mutuum’s tokenomics give it a clear edge as a sustainable investment option. Investors who hold MUTM not only participate in potential price appreciation but also earn rewards as the platform grows and generates fees.

將其與沒有收入分享機製或股息的Dogecoin（Doge）進行比較，Mutuum的Tokenomics將其視為可持續投資選擇。持有MUTM的投資者不僅參與潛在的價格讚賞，而且隨著平台的增長並產生費用而獲得獎勵。

P2C vs. P2P lending: Flexible options for every investor

P2C與P2P貸款：每個投資者的靈活選擇

Mutuum Finance (MUTM) offers two models for lending and borrowing: Pool-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users deposit assets into a shared liquidity pool and earn interest based on market dynamics. This model offers a stable, real yield with less risk and is ideal for users who prefer a more predictable income source.

Mutuum Finance（MUTM）提供了兩個用於貸款和借貸的模型：池 - 合同（P2C）和點對點（P2P）。在P2C模型中，用戶將資產存入共享的流動性池並根據市場動態賺取利息。該模型提供了穩定的，實際產量的風險較小，非常適合更喜歡更可預測收入來源的用戶。

P2P, on the other hand, allows users to negotiate loans and interest rates directly with each other. This model supports tokens not commonly available in P2C pools, including memecoins like PEPE, DOGE, and SHIB. This flexibility attracts a broader user base and adds another layer of utility to the MUTM ecosystem.

另一方面，P2P允許用戶直接協商貸款和利率。該模型支持P2C池中常用的代幣，包括Pepe，Doge和Shib等諸如Pepe，Doge和Shib之類的Memecoins。這種靈活性吸引了更廣泛的用戶群，並為MUTM生態系統添加了另一層實用程序。

Mutuum Finance (MUTM) is currently in Phase 5 of its presale, with the token price at $0.03 and over 11,000 holders. Early investors who bought in Phase 1 at $0.01 have already seen a 200% increase in token value. This early growth highlights the strong momentum behind MUTM, and with the platform preparing to launch its beta version, now is the perfect time to join before prices rise further in later phases.

Mutuum Finance（MUTM）目前處於其預售的第5階段，代幣價格為0.03美元，超過11,000個持有人。在第一階段以0.01美元購買的早期投資者已經看到令牌價值增長了200％。這種早期的增長強調了MUTM背後的強勁動力，並且該平台準備啟動其Beta版本，現在是在以後的階段進一步上漲之前加入的絕佳時機。

By investing in MUTM today, you position yourself to benefit from the platform’s ongoing development and revenue generation, capturing both price appreciation and passive income potential.

通過今天投資MUTM，您可以將自己從平台的持續開發和收入產生中受益，從而捕捉價格升值和被動收入潛力。

One key advantage of Mutuum Finance (MUTM) is the ability to borrow against your existing assets without selling them. For example, if you own ETH and believe its price will rise, you can deposit it as collateral and borrow stablecoins to use elsewhere. This avoids triggering capital gains taxes and keeps your exposure to ETH’s price growth intact. It also opens opportunities to hedge, leverage, or invest in new projects while maintaining ownership of your assets.

Mutuum Finance（MUTM）的一個主要優點是能夠在不出售現有資產的情況下借貸您的現有資產。例如，如果您擁有ETH並相信其價格會上漲，則可以將其存放為抵押品並藉用穩定的穩定劑，以便在其他地方使用。這避免了觸發資本利得稅，並保持您對ETH價格增長的影響。它還為對沖，利用或投資新項目的機會開放，同時保持您的資產所有權。

This borrowing flexibility adds another layer of utility

這種借用的靈活性增加了另一層實用程序