2025年的加密市场不再只是骑着大人物的浪潮

投资者正在缩小提供现实世界功能和潜力超大收益的项目。 XRP和Matic最成熟的两个Altcoins之一

In the dynamic landscape of the crypto market, investors are shifting their focus from the biggest names to projects that offer real-world functionality and potential for outsized gains.

在加密市场的动态景观中，投资者将重点从知名人士转移到提供现实世界功能和超大收益潜力的项目。

While two of the most established altcoins, XRP and MATIC, are still staples in most portfolios, their explosive growth phases may already be priced in.

尽管大多数投资组合中的两个最成熟的Altcoins XRP和Matic仍然是主食，但它们的爆炸性生长阶段可能已经被定价。

That’s why a growing number of analysts and early investors are watching Mutuum Finance (MUTM) — a low-cap DeFi project that’s starting to stand out for all the right reasons.

这就是为什么越来越多的分析师和早期投资者正在观看Mutuum Finance（MUTM）的原因，这是一个低CAP DEFI项目，出于所有正确的原因而开始脱颖而出。

At a Glance: A New Chapter in Decentralized Finance

一眼：分散财务的新篇章

Mutuum Finance has remained largely under the radar so far, but that may not last much longer. The fourth stage of its ongoing presale has already generated over $7.75 million, highlighting strong investor interest. The price per token is fixed at $0.25 for now, though more than 65% of this round is complete. Once this phase wraps, the price climbs to $0.03, with a confirmed launch value of $0.06 — making now one of the last chances for early entry.

到目前为止，Mutuum Finance在很大程度上一直保持在雷达之下，但可能不会持续更长的时间。其持续预售的第四阶段已经产生了超过775万美元，强调了强大的投资者利益。目前，每个令牌的价格固定为0.25美元，尽管本回合的65％以上已完成。一旦此阶段包装，价格就会上涨至0.03美元，确认的发行价值为0.06美元，现在是早期进入的最后机会之一。

At its core, this decentralized protocol is designed to help users do more with the assets they already own. Rather than encouraging investors to sell their holdings to access capital, Mutuum allows them to deposit crypto like ETH, SOL, or stablecoins and borrow other assets in return. The platform uses smart contracts to handle these operations without third-party control — making the entire process non-custodial and transparent.

从本质上讲，该分散的协议旨在帮助用户更多地利用他们已经拥有的资产。 Mutuum不鼓励投资者将自己的股份出售给资本，而是让他们存入诸如ETH，SOL或Stablecoins之类的加密货币并借用其他资产作为回报。该平台使用智能合约在没有第三方控制的情况下处理这些操作，这使整个过程变得非监护和透明。

Where things get even more interesting is Mutuum’s approach to token utility and sustainability. The protocol generates fees through lending activities, and instead of simply collecting those fees, it puts them to work — by buying MUTM tokens on the open market and sending them to engaged participants. This model supports a flow of passive rewards tied directly to real usage, which is increasingly appealing to long-term holders looking for more than just price speculation.

事物变得更加有趣的是Mutuum的代币实用性和可持续性的方法。该协议通过贷款活动产生费用，而不是简单地收取这些费用，而是通过在公开市场上购买MUTM令牌并将其发送给参与者。该模型支持直接与真实用法相关的被动奖励，这越来越吸引长期持有人，而不仅仅是寻求价格投机的人。

A Deep Dive into Platform Scalability and Tech

深入了解平台可伸缩性和技术

Mutuum isn’t just about convenience — it’s built with scalability in mind. The developers have announced that the platform will run on Arbitrum, a Layer 2 network known for reducing congestion and improving transaction efficiency. But rather than relying on general L2 benefits, the team is implementing its own tech solutions to further lower costs. For example, by compressing transaction data and assigning compact asset identifiers, Mutuum minimizes network load — which makes a big difference when the platform begins scaling.

Mutuum不仅仅是便利性 - 它构建了可扩展性。开发人员宣布，该平台将以仲裁运行，这是一个以降低交通拥堵和提高交易效率的2层网络。但是，该团队并没有依靠一般的L2福利，而是正在实施自己的技术解决方案，以进一步降低成本。例如，通过压缩交易数据并分配紧凑的资产标识符，Mutuum最大程度地减少了网络负载，这在平台开始扩展时会产生很大的不同。

The smart contracts are undergoing a full audit by CertiK, one of the leading names in blockchain safety reviews. That should give more confidence to investors who have seen too many DeFi platforms launch without proper safeguards in place.

智能合约正在接受Certik的全面审核，这是区块链安全评论中的主要名称之一。这应该给那些在没有适当保障措施的情况下推出了太多Defi平台的投资者。

Unlike many other projects that delay product rollout, Mutuum intends to launch a beta version of its platform at the same time MUTM becomes available on exchanges. That means users will have immediate access to real features like lending, borrowing, and earning protocol-based returns — all while the token is still fresh to market.

与许多其他延迟产品推出的项目不同，Mutuum打算在交易所上使用MUTM的同时推出其平台的Beta版本。这意味着用户将立即访问真正的功能，例如贷款，借贷和赚取基于协议的收益 - 所有这些都仍然是新鲜的市场。

For comparison, XRP’s current structure still revolves heavily around legacy remittance narratives, and MATIC — despite strong technology — is dealing with market saturation and slower growth forecasts. MUTM, on the other hand, is entering with a clean slate, solid mechanics, and increasing buzz from those searching for the best cryptocurrency to invest in now.

为了进行比较，XRP目前的结构仍然围绕传统汇款叙事而大大围绕着，尽管技术强大，但Matic仍在处理市场饱和度和较慢的增长预测。另一方面，MUTM正在以干净的板岩，坚实的力学和嗡嗡声加入那些寻求最佳加密货币的人的嗡嗡声。

Some experts say the token could reach up to $0.30 or higher in the early stages, and longer-term estimates go even further. Based on platform fundamentals and projected user activity, it’s not out of the question that MUTM becomes a strong contender for the next wave of blue-chip DeFi coins.

一些专家说，该令牌在早期阶段可能会达到0.30美元或更高，并且长期估计更进一步。基于平台的基础知识和预计的用户活动，毫无疑问，MUTM成为下一波蓝芯片Defi硬币的强大竞争者。

For example, an investor who commits $1,800 now at $0.25 could be looking at a position worth over $43,000 when the token reaches $0.60 — even before the often-discussed $1+ milestones are achieved.

例如，现在以0.25美元的价格投入1,800美元的投资者可能会在代币达到0.60美元时，即使在实现经常讨论的$ 1+的里程碑之前，价值超过43,000美元。

In summary, while tokens like XRP and MATIC have already delivered their early returns, Mutuum Finance is still at the starting gate — with the tools, community support, and token model to go much further. As we move into June, the window to get in before the next presale jump is narrowing. For anyone scanning the market for the next breakout project, Mutuum is worth a serious look.

总而言之，尽管像XRP和Matic这样的代币已经交付了早期的回报，但Mutuum Finance仍在开始 - 具有工具，社区支持和代币模型，可以进一步发展。当我们进入六月时，窗户要进入下一个预售越来越狭窄。对于任何扫描下一个突破项目的人来说，Mutuum值得一提。