随着以太坊（ETH）的优势重申，Mutuum Finance（MUTM）作为竞争者出现

在加密货币的世界中，每个周期都带来了一波新的项目，试图获得吸引力，但只有少数几个设法吸引了经验丰富的持有人的注意力。

In the ever-rotating world of cryptocurrency, every cycle brings a new wave of projects vying for attention, yet only a few manage to capture the interest of experienced holders. As Ethereum (ETH) is steadily reasserting its dominance, some of its long-term backers are beginning to diversify their attention toward a project still in its early stage: Mutuum Finance (MUTM). This token, flying somewhat under the radar, is quietly amassing momentum — and for those asking what the best cryptocurrency to invest in right now is, MUTM is becoming a serious contender.

在不断旋转的加密货币世界中，每个周期都带来了争夺关注的新项目，但只有少数人设法抓住了经验丰富的持有人的兴趣。随着以太坊（ETH）稳步重新确定其主导地位，其一些长期支持者开始将注意力多于早期的项目多样化：Mutuum Finance（MUTM）。这个代币在某种程度上飞行，正在悄悄地积累动力 - 对于那些询问现在最好的加密货币的人来说，MUTM正在成为一个认真的竞争者。

Why ETH Investors Are Taking A Look At MUTM

为什么ETH投资者正在看mutm

Now, Ethereum holders aren’t known for chasing hype; most have seen multiple cycles and prefer projects with actual utility, clear mechanics, and potential that spans at least several cycles. What’s caught their eye with Mutuum Finance is its focused approach to solving a persistent issue in decentralized finance — unlocking liquidity from digital assets without having to give up ownership.

现在，以太坊持有者不以炒作而闻名。大多数人已经看到了多个周期，并且更喜欢具有实际实用性，清晰的力学和潜力至少跨越几个周期的项目。引起了Mutuum Finance的关注是其专注的方法来解决分散财务中的持续问题 - 从数字资产中解锁流动性而无需放弃所有权。

Mutuum offers a clean, practical structure. Users can deposit crypto assets like ETH, BTC, or LINK and borrow stablecoins in return, keeping full exposure to the original assets while tapping into capital for other investments or simply generating yield. This is particularly appealing to ETH holders, many of whom are already familiar with leveraging crypto positions and are now looking for more efficient, yield-generating alternatives.

Mutuum提供了干净，实用的结构。用户可以将加密货币资产（例如ETH，BTC或链接）存入，并借用稳定的稳定币，以便全额接触原始资产，同时攻入其他投资或仅产生收益率。这对ETH持有人特别有吸引力，ETH持有人已经熟悉了利用加密货币的立场，现在正在寻找更有效，产生效率的替代方案。

The platform, set to launch in Q3 2024, is non-custodial, meaning users retain the private keys to their crypto wallets throughout the lending and borrowing process. This ensures complete control over asset movements and minimizes the risk of a third party holding funds.

该平台将在第3季度2024年推出，是非持续的，这意味着用户在整个贷款和借贷过程中保留了其加密钱包的私钥。这样可以确保对资产变动的完全控制，并最大程度地减少第三方持有资金的风险。

Mutuum Finance (MUTM)

死亡金融（MUTM）

Mutuum is not a meme token, nor is it positioning itself as another copycat platform. The project is structured around sustainable yield, capital efficiency, and responsible growth. Its non-custodial protocol allows users to lend or borrow while keeping complete control over their assets. The platform also plans to issue its own overcollateralized stablecoin, adding another layer of functionality and ecosystem depth.

Mutuum不是模因令牌，也不是将自己定位为另一个模仿平台。该项目围绕可持续产量，资本效率和负责任的增长而构建。它的非习惯协议允许用户在对其资产完全控制的同时借贷或借贷。该平台还计划发布自己的过度结合化稳定剂，并增加了另一层功能和生态系统深度。

This stablecoin won’t be backed by vague reserves or off-chain promises. Instead, it’s created directly from the excess collateral deposited by users, and its supply adjusts automatically through minting and burning. When users repay loans or are liquidated, the stablecoin is removed from circulation, keeping its peg to the dollar intact and ensuring systemic stability. All interest from stablecoin borrowing flows into Mutuum’s treasury, reinforcing long-term value instead of relying on inflationary models.

这种稳定的人不会得到模糊的储备或链接诺言的支持。取而代之的是，它是直接从用户沉积的过量抵押品中创建的，其供应通过铸造和燃烧自动调整。当用户偿还贷款或清算时，将稳定的股份从流通中删除，将其固定在美元不足并确保系统稳定性。 Stablecoin借贷的所有兴趣都流入了Mutuum的财政部，增强了长期价值，而不是依靠通货膨胀模型。

With more capital staying within the ecosystem, MUTM becomes more than just a token — it becomes a utility-backed asset linked to platform activity. And for those planning to hold over the long run, that structure supports real yield growth, not just speculation.

随着资本在生态系统中的更多信息，MUTM不仅成为代币，而且成为与平台活动相关的公用事业资产。对于那些计划长期持续的人来说，这种结构支持实际产量的增长，而不仅仅是投机。

One of the reasons serious investors are starting to trust Mutuum’s potential is its approach to security. The protocol’s smart contracts are undergoing a full CertiK audit, a step that puts it in line with other respected DeFi platforms. In an industry that’s had its share of security mishaps, this kind of third-party review is essential for building trust, especially among those moving large amounts of capital.

认真的投资者开始相信Mutuum潜力的原因之一是其安全方法。该协议的智能合约正在进行完整的证书审核，这使其与其他受尊敬的Defi平台保持一致。在一个有大量安全事故的行业中，这种第三方审查对于建立信任至关重要，尤其是在那些移动大量资本的人中。

This audit also sends a clear message: Mutuum is not rushing to market. It’s building deliberately, with a product-first approach that values transparency and resilience. Combined with a plan to roll out a beta version of the platform by the time the token launches, it shows the team is focused on usability from day one — something many early-stage tokens can’t offer.

该审核还发送了一个明确的信息：Mutuum并没有急于进入市场。它是故意建立的，采用产品优先的方法，重视透明度和弹性。再加上一个计划在代币启动时推出平台的Beta版本，它表明该团队从第一天开始就专注于可用性 - 许多早期令牌无法提供的。

As of now, Mutuum Finance is in the fourth phase of its presale, having already raised over $7.75 million and attracted more than 9,500 holders. The $0.025 price point will be around for a limited time, as the upcoming fifth presale phase will see the token increase to $0.03. With a launch price confirmed at $0.06, early participants are locking in a 140% gain even before listings begin.

截至目前，Mutuum Finance正处于预售的第四阶段，已经筹集了超过775万美元，吸引了9,500多个持有人。 $ 0.025的价格将在有限的时间内出现，因为即将到来的第五阶段阶段将使令牌上涨至0.03美元。由于确认发售价格为0.06美元，早期参与者甚至在上市开始之前就锁定了140％的收益。

This pricing structure is designed to reward those who act early — and it’s working. The presale is over 65% completed, and demand is only growing as more investors recognize the opportunity. For anyone focused on long-term ROI, entering before the next phase isn’t just an advantage — it could be the difference between a good return and a great one.

这种定价结构旨在奖励那些早早采取行动的人，而且它正在起作用。预售已超过65％，并且随着更多的投资者意识到机会，需求才会增长。对于任何专注于长期投资回报率的人来说，进入下一阶段不仅是一个优势 - 这可能是良好的回报与良好回报之间的区别。

What makes this project even more compelling is its roadmap. From stablecoin development to lending infrastructure, everything has been laid out with a long-term strategy in mind. Unlike projects that burn through hype cycles, Mutuum is positioning itself as a steady, value-driven protocol that rewards participation.

使该项目更加引人注目的是其路线图。从Stablecoin开发到贷款基础设施，一切都牢记了长期战略。与通过炒作周期燃烧的项目不同，Mutuum将自己定位为一种稳定的价值驱动方案，可以奖励参与。

Projections from analysts point to potential prices well beyond the launch price. Some are estimating the token could reach $0.25 in the short term and climb toward $1.2

分析师的预测指向潜在价格，远远超出了发行价格。有些人估计令牌可以在短期内达到0.25美元，并攀升至1.2美元