探索Defi Lending，击中TVL记录以及新兴的Microcap协议（如Mutuum Finance挑战已建立的巨头）的复兴。

DeFi Lending's New Wave: TVL Records and the Rise of Microcap Protocols

Defi Lending的新浪潮：TVL记录和Microcap协议的兴起

DeFi lending is back in the spotlight, with Total Value Locked (TVL) soaring. While established players dominate, innovative microcap protocols are making waves. Let's dive into the trends, insights, and potential game-changers.

Defi Lending又重新成为焦点，总价值锁定（TVL）飙升。在建立的玩家统治时，创新的微型公制协议正在引起波浪。让我们研究趋势，见解和潜在的游戏规则。

DeFi Lending Reaches New Heights

Defi贷款达到新的高度

June saw DeFi lending protocols surge past $55 billion in TVL, signaling a strong comeback for decentralized finance. Investors are showing renewed interest in non-custodial financial services, particularly those offering real yield through crypto-backed loans. This resurgence highlights the growing demand for transparent, flexible, and scalable lending solutions.

6月，Defi贷款方案在TVL的550亿美元中激增，这表明了分散融资的强烈卷土重来。投资者表现出对非客户金融服务的新兴趣，尤其是那些通过加密支持的贷款提供实际收益的人。这种复兴凸显了人们对透明，灵活和可扩展贷款解决方案的需求不断增长。

Spotlight on Microcap Innovation: Mutuum Finance (MUTM)

关于微型映射创新的聚光灯：Mutuum Finance（MUTM）

While giants like Aave and Compound grab headlines, Mutuum Finance (MUTM), a microcap project, is quietly gaining traction. Built on principles of transparency and scalability, Mutuum introduces a dual lending engine, offering both Peer-to-Collection (P2C) and Peer-to-Peer (P2P) lending within the same platform. This unique approach caters to a broad range of users, from passive depositors to active traders seeking customized terms.

虽然像Aave和复合杂志的巨人抓住了头条新闻，但Mictopap项目Mutuum Finance（MUTM）却悄悄地获得了吸引力。 Mutuum建立在透明度和可扩展性的原则上，引入了双贷款引擎，在同一平台内提供点对点（P2C）和点对点（P2P）贷款。这种独特的方法可以满足广泛的用户，从被动存款人到寻求定制条款的活跃交易者。

Dual Lending System

双贷款系统

Mutuum's P2C model allows users to deposit assets like ETH, SOL, and stablecoins into shared liquidity pools, enabling overcollateralized loans. Depositors earn mtTokens, representing their share and offering instant liquidity. The P2P model provides direct lending with customizable terms, including support for emerging tokens like DOGE and SHIB. This combination gives Mutuum a competitive edge, attracting both passive and active DeFi participants.

Mutuum的P2C模型允许用户将ETH，SOL和Stablecoins等资产存入共享的流动性池中，从而实现过度贷款。存款人赚取mttokens，代表其份额并提供即时流动性。 P2P模型提供具有可自定义条款的直接贷款，包括对Doge和Shib等新兴令牌的支持。这种组合使Mutuum具有竞争优势，吸引了被动和主动的Defi参与者。

Presale Success and Security

预售成功和安全

Mutuum Finance has already raised over $11.3 million in its presale, attracting over 12,600 token holders. With a presale price of $0.03, MUTM offers an accessible investment opportunity. Security is paramount, with smart contracts audited by CertiK, achieving impressive scores. A $100,000 giveaway further amplifies awareness and expands the project's community.

Mutuum Finance已经筹集了超过1,130万美元的预售，吸引了12,600多个令牌持有人。 MUTM的预售价格为0.03美元，提供了可访问的投资机会。安全性至关重要，Certik审核的智能合约获得了令人印象深刻的分数。 100,000美元的赠品进一步扩大了知名度并扩大了项目的社区。

Stablecoin Launch and Layer-2 Integration

Stablecoin发射和2层集成

Mutuum plans to launch a decentralized, overcollateralized stablecoin, designed to maintain a value near $1. Unlike traditional stablecoins, this one is minted only when users borrow and burned upon repayment. Governance will manage the borrowing interest rate to maintain the peg. The platform's beta version is expected to launch with Layer-2 integration, ensuring faster and cheaper transactions.

Mutuum计划推出一个分散的，过度的STABLECOIN，旨在保持价值接近1美元。与传统的Stablecoins不同，只有在用户借用并在还款时燃烧时，才会铸造这种情况。治理将管理借贷利率维持钉子。该平台的Beta版本有望通过第2层集成来启动，以确保更快，更便宜的交易。

Suilend: A Case Study in Sui's DeFi Ecosystem

Suilend：SUI Defi生态系统中的案例研究

Another notable player is Suilend, a decentralized lending protocol on the Sui blockchain. It quickly became a leading DeFi protocol on Sui, reaching $1 billion in TVL. Suilend's success underscores the importance of first-mover advantage and innovative roadmaps, including liquid staking and AMM solutions. Its architecture leverages Sui's unique features for speed and security, offering a pool-based lending model with multi-asset collateral support.

另一个值得注意的球员是Suilend，这是SUI区块链上的分散贷款协议。它很快成为SUI领先的Defi协议，在TVL中达到了10亿美元。 Suilend的成功强调了第一步优势和创新的路线图的重要性，包括液体蒸发和AMM解决方案。它的体系结构利用Sui的独特功能来实现速度和安全性，并提供具有多资产抵押支持的基于池的贷款模型。

The Rise of Innovative Tokenomics

创新的标记学的兴起

Suilend's SEND token introduces a unique

Suilend的发送令牌引入了独特