加密货币价格预测：2026 年值得关注的 DeFi 币种——MUTM 会超越 XRP 吗？

探索 Mutuum Finance (MUTM) 等 DeFi 货币的潜力，并将其 2026 年价格预测与 XRP 等成熟加密货币进行比较。 MUTM 会是下一个大事件吗？

Crypto Price Predictions: DeFi Coins to Watch in 2026 – Will MUTM Outshine XRP?

加密货币价格预测：2026 年值得关注的 DeFi 币种——MUTM 会超越 XRP 吗？

The crypto world never sleeps, and predicting the future is a favorite pastime. With 2026 on the horizon, let's dive into some DeFi coins that might just make a splash, comparing their potential to established players like XRP.

加密世界从不睡觉，预测未来是人们最喜欢的消遣。 2026 年即将到来，让我们深入研究一些可能会引起轰动的 DeFi 代币，将它们与 XRP 等老牌参与者的潜力进行比较。

Mutuum Finance (MUTM): A DeFi Lending Game Changer?

Mutuum Finance (MUTM)：DeFi 借贷游戏规则的改变者？

One name buzzing in DeFi circles is Mutuum Finance (MUTM). This project aims to shake up decentralized lending with a non-custodial protocol allowing users to lend, borrow, and earn yield directly through smart contracts. Forget intermediaries – everything's transparently on-chain.

Mutuum Finance（MUTM）是 DeFi 圈子里炙手可热的一个名字。该项目旨在通过非托管协议颠覆去中心化借贷，允许用户直接通过智能合约借贷和赚取收益。忘记中介——一切都透明地在链上。

Why the Hype Around MUTM?

为何 MUTM 受到如此热捧？

• Hybrid Approach: Supports both large liquidity pools and isolated lending markets, balancing risk and flexibility.
• Self-Sustaining Token Economy: Lending activity directly fuels MUTM token growth.
• Strong Presale Interest: Raised over $18.4 million with 18,000+ holders.

Currently in Phase 6 of its presale, MUTM is priced at $0.035, a significant jump from its initial $0.01 launch. With a V1 launch slated for Q4 2025 on the Sepolia Testnet, things are heating up.

目前，MUTM 正处于预售第六阶段，售价为 0.035 美元，较最初推出时的 0.01 美元大幅上涨。随着 V1 计划于 2025 年第四季度在 Sepolia 测试网上发布，事情正在升温。

Analysts' Predictions for MUTM

分析师对 MUTM 的预测

Some analysts are bullish, suggesting MUTM could hit $0.25 to $0.30 shortly after launch, assuming market conditions cooperate. Long-term forecasts even hint at $0.40–$0.50 once the system is fully operational. With potential stablecoin integration and Layer-2 expansion, some optimists foresee $0.70 to $1.00 by 2026.

一些分析师持乐观态度，认为如果市场条件配合，MUTM 推出后不久可能会达到 0.25 至 0.30 美元。一旦系统全面投入运行，长期预测甚至暗示价格为 0.40 至 0.50 美元。随着潜在的稳定币集成和 Layer-2 扩展，一些乐观者预计到 2026 年，价格将达到 0.70 美元至 1.00 美元。

XRP: Still a Viable Option?

XRP：仍然是一个可行的选择吗？

XRP, currently trading around $2.55, has shown renewed interest with significant whale accumulation. However, it faces resistance around $2.70 to $2.75, and some indicators suggest consolidation. The upside to $5 represents roughly a 2x return, which, while decent, might not be the explosive growth some investors crave.

XRP 目前的交易价格约为 2.55 美元，随着大量鲸鱼的积累，人们重新表现出了兴趣。然而，它在 2.70 至 2.75 美元附近面临阻力，一些指标表明盘整。上涨至 5 美元意味着大约 2 倍的回报，虽然不错，但可能不是一些投资者所渴望的爆炸性增长。

XRP's Potential Catalysts

XRP 的潜在催化剂

• Regulatory Clarity: Positive rulings could boost investor confidence.
• Adoption by Financial Institutions: Wider use in cross-border payments.
• ETF Launches: A substantial increase in demand for XRP.

MUTM vs. XRP: The 2026 ROI Showdown

MUTM 与 XRP：2026 年投资回报率对决

While XRP boasts a proven infrastructure and institutional trust, its upside might be limited. MUTM, on the other hand, is a younger, more speculative play with the potential for a significantly larger payoff.

尽管 XRP 拥有经过验证的基础设施和机构信任，但其上涨空间可能有限。另一方面，MUTM 是一种更年轻、更具投机性的游戏，有可能获得更大的回报。

Other Coins Mentioned

提到的其他硬币

The provided articles also touched on Pi Coin, Shiba Inu, and PEPENODE. Pi Coin's mainnet migration progress offers some reassurance, while Shiba Inu struggles to regain momentum. PEPENODE, a mine-to-earn token, shows promise with its presale success.

提供的文章还涉及 Pi Coin、Shiba Inu 和 PEPENODE。 Pi Coin 的主网迁移进展提供了一些保证，而 Shiba Inu 则努力恢复势头。 PEPENODE 是一种通过挖矿赚取的代币，其预售的成功显示出前景。

Final Thoughts: Where Should You Place Your Bets?

最后的想法：你应该把赌注放在哪里？

Ultimately, the choice depends on your risk tolerance and investment goals. XRP remains a solid option for those seeking stability, while MUTM offers the potential for higher rewards, albeit with greater risk. Diversifying into newer coins like PEPENODE could also be a strategy to widen exposure to potential gains. As always, do your own research before diving in!

最终，选择取决于您的风险承受能力和投资目标。对于那些寻求稳定性的人来说，XRP 仍然是一个可靠的选择，而 MUTM 则提供了获得更高回报的潜力，尽管风险更大。多元化发展 PEPENODE 等新代币也可能是扩大潜在收益的一种策略。与往常一样，在投入之前先进行自己的研究！

So, will MUTM be the DeFi darling of 2026, or will XRP continue its reign? Only time will tell, but one thing's for sure: the crypto rollercoaster is always full of surprises. Buckle up, buttercup!

那么，MUTM 会成为 2026 年 DeFi 的宠儿，还是 XRP 会继续统治？只有时间才能证明一切，但有一件事是肯定的：加密货币过山车总是充满惊喜。系好安全带，毛茛！