Q2 End的贷款令牌：在Defi中找到真正的实用程序

随着第二季度的总结，投资者正在关注使用现实世界实用程序的贷款令牌。 Mutuum Finance（MUTM）以其创新的贷款平台领导包装。

With Q2 drawing to a close, the focus is shifting to lending tokens that offer genuine utility and long-term value. Forget the meme coin hype; smart money is moving towards projects with tangible applications, especially in decentralized finance (DeFi). One name that's been buzzing around is Mutuum Finance (MUTM), thanks to its unique lending architecture and transparent interest-earning system.

随着第二季度的绘制，重点是转移到提供真正实用程序和长期价值的贷款代币。忘记模因硬币炒作；聪明的钱正朝着有形应用程序的项目迈进，尤其是在分散的金融（DEFI）中。由于其独特的贷款架构和透明的兴趣收入系统，Mutuum Finance（MUTM）一直在嗡嗡作响。

Mutuum Finance: A Utility-First Approach

Mutuum Finance：公用事业第一的方法

Mutuum Finance isn't about speculation; it's about building a protocol where users can borrow and lend with smart contract protections, passive income potential, and asset flexibility baked into every transaction. This utility-first design has made it a DeFi token to watch, especially with the end of Q2 in sight. While others chase fleeting trends, Mutuum is gearing up to launch a lending platform supporting both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) interactions, giving users the freedom and structure they need to earn real yield.

Mutuum Finance与投机无关。这是关于建立一个协议，用户可以借入和借用智能合同保护，被动收入潜力以及在每笔交易中烘烤的资产灵活性。这种公用事业优先的设计使它成为了观看的特定令牌，尤其是在Q2结束时。尽管其他人追逐短暂的趋势，但Mutuum正在准备启动一个支持PEER-TO-CONTRACT（P2C）和点对点（P2P）互动的贷款平台，从而为用户提供了他们所需的自由和结构来赚取真正的收益。

Real Yield, Real Access: What's the Hype About?

真正的收益，真正的访问：炒作是什么？

Having raised over $10.85 million and attracting more than 12,300 holders, Mutuum Finance is showing serious investor interest ahead of its exchange listing. Currently in Phase 5 of its presale at $0.03, it offers new buyers a chance to get in on a protocol with a total supply of 4 billion tokens and a planned listing price of $0.06. As larger DeFi projects see slower growth, Mutuum is catching up fast, armed with a roadmap focused on real utility and sustainable passive income.

Mutuum Finance筹集了超过1,085万美元并吸引了12,300多个持有人，在其交易所上市之前显示了严重的投资者权益。目前，其预售的第5阶段为0.03美元，为新买家提供了一个机会，有机会获得总供应40亿代币和计划的上市价格0.06美元的协议。较大的DEFI项目看到较慢的增长，Mutuum正在快速赶上，并以路线图专注于真正的公用事业和可持续的被动收入。

Early investors are securing a position before the protocol’s beta launch, staking, stablecoin minting, and revenue buybacks kick off. Unlike speculative tokens, Mutuum Finance is building a decentralized product that rewards real participation, letting users lend, borrow, earn interest, and access both active and passive strategies through smart contracts—not just hype.

早期投资者在协议发布，Staking，Stablecoin铸造和收入回购开始之前就确保了职位。与投机代币不同，Mutuum Finance正在建立一种分散的产品，该产品奖励真正的参与，让用户通过智能合约借贷，借用，赚取利息和访问主动和被动策略，而不仅仅是炒作。

How Mutuum Finance Works: P2C and P2P Lending

Mutuum Finance的工作原理：P2C和P2P贷款

Mutuum Finance is designing a system where both DeFi beginners and advanced users can generate returns from their idle assets. The Peer-to-Contract (P2C) model allows users to deposit assets like DAI, USDC, or ETH into liquidity pools governed by smart contracts. These deposits are then available to overcollateralized borrowers, with interest rates adjusting automatically based on pool usage. Depositors receive mtTokens (e.g., mtDAI) representing their share in the pool, which grow in value over time based on earned interest.

Mutuum Finance正在设计一个系统，Defi初学者和高级用户都可以从其空闲资产中产生回报。 PEER-TO-CONTRACT（P2C）模型允许用户将DAI，USDC或ETH等资产存入由智能合约管理的流动性池中。然后，这些存款可用于超额化借款人，并根据池使用自动调整利率。存款人将收到代表其在池中份额的MTTOKENS（例如，MTDAI），根据赚取的利息，随着时间的推移价值增长。

For those who prefer more control, the Peer-to-Peer (P2P) model allows users to set custom loan agreements, negotiating interest rates, loan durations, and collateral requirements. This gives access to assets not commonly found in typical lending pools, while still enforcing overcollateralization through smart contracts.

对于那些喜欢更多控制权的人，点对点（P2P）模型允许用户设置自定义贷款协议，谈判利率，贷款持续时间和抵押要求。这可以访问典型的贷款池中常见的资产，同时仍通过智能合约实施过度征服。

The platform operates under a non-custodial model, ensuring user assets remain controlled by smart contracts. There are no minimum deposit requirements, though allocation caps may apply. All interest generated is routed to the protocol’s treasury, funding token buybacks and passive distributions to mtToken stakers. With a CertiK audit and a Skynet Score of 72.38, Mutuum Finance is prioritizing trust and stability.

该平台在非监测模型下运行，确保用户资产仍由智能合约控制。尽管可以适用分配上限，但没有最低存款要求。产生的所有利息均延伸到协议的财政部，资金代币回购和被动分配给Mttoken Stakers。 Mutuum Finance凭借证书审核和SkyNet得分为72.38，可以优先考虑信任和稳定。

Final Thoughts

最后的想法

As Q2 ends, lending tokens like Mutuum Finance, with measurable utility and strong fundamentals, deserve more attention. For those seeking a solid entry point into DeFi, Mutuum Finance offers an attractive option. So, buckle up, do your research, and get ready to explore the world of DeFi lending – it's gonna be a wild ride!

随着第二季度结束，具有可衡量的效用和强大的基本原理等贷款代币等贷款代币应受到更多关注。对于那些寻求扎实进入DEFI的人，Mutuum Finance提供了一个有吸引力的选择。因此，扣紧，进行研究，并准备探索Defi Lending的世界 - 这将是一次疯狂的旅程！