在过去的几个月中，许多投资者都等待了前20名加密货币重新获得动力。

像Ada和Matic这样的硬币曾经被视为可靠的赌注，最近几乎看不到价格动作或令人兴奋的发展。

Over the last few months, many investors have been waiting for the top 20 cryptocurrencies to regain momentum.

在过去的几个月中，许多投资者一直在等待排名前20的加密货币重新获得动力。

Coins like ADA and MATIC, once seen as reliable bets, have shown little price action or exciting developments recently. Despite their high market caps and brand recognition, their returns have been minimal.

像Ada和Matic这样的硬币曾经被视为可靠的赌注，最近几乎看不到价格动作或令人兴奋的发展。尽管他们的市值很高和品牌认可，但他们的回报却很少。

This trend has left many retail investors disappointed and searching for better opportunities.

这种趋势使许多零售投资者感到失望，并寻找更好的机会。

One emerging project that is beginning to attract serious attention is Mutuum Finance (MUTM). While it’s still flying under the radar, early adopters of MUTM have already enjoyed significant gains—and the token is still priced under $0.03.

一个开始引起严重关注的新兴项目是Mutuum Finance（MUTM）。虽然它仍在雷达下飞行，但MUTM的早期采用者已经获得了巨大的收益，而代币的价格仍然低于0.03美元。

With eight more presale phases to go, a detailed roadmap, passive earning tools, and growing interest, this altcoin might outshine many of the crypto giants by the end of the year.

凭借八个预售阶段，详细的路线图，被动的收入工具以及日益增长的兴趣，该山寨币可能会在今年年底之前超过许多加密巨头。

MUTM outpaces 90% of low-caps

MUTM超过90％的低帽子

MUTM launched its presale at just $0.01. Now, in Phase 5, it has reached $0.03—marking a 200% increase from its starting price.

MUTM以0.01美元的价格推出了预售。现在，在第5阶段，它已达到0.03美元，标志着其起价增长200％。

In comparison, the majority of low-cap tokens have seen either flat returns or declined during the same period. So far, over $9.1 million has been raised and more than 504 million tokens have been sold to over 10,900 holders.

相比之下，大多数低CAP代币都在同一时期看到平坦的回报或下降。到目前为止，已经筹集了超过910万美元的资金，超过10,900个持有人已售出超过500400万个令牌。

This strong early demand demonstrates both investor trust and momentum.

这种强劲的早期需求表明了投资者的信任和动力。

For those entering at the current price, there is still major upside.

对于那些以当前价格进入的人，仍然有很大的上涨空间。

With eight presale phases remaining and the final phase set at $0.06, the token price is expected to double before even hitting public exchanges.

剩下八个预售阶段，最后阶段定为0.06美元，代币的价格预计甚至在进行公共交流之前将翻倍。

Investors waiting for later stages may find their profit margin reduced, making now a strategic time to get in early before major listing announcements push prices higher.

等待晚期的投资者可能会发现其利润率降低了，这使得现在是一场战略时间，在重大清单公告提高价格之前就开始了。

Why Mutuum Finance is different

为什么Mutuum Finance不同

Mutuum Finance is not just another lending platform. It is a decentralized, non-custodial liquidity protocol that supports both peer-to-pool (P2C) and peer-to-peer (P2P) lending models.

Mutuum Finance不仅是另一个贷款平台。它是一种分散的非监测流动性协议，支持点对上（P2C）和点对点（P2P）贷款模型。

In the P2C system, users deposit crypto assets into shared pools and earn interest based on the activity and demand in those pools.

在P2C系统中，用户将加密资产存入共享池中，并根据这些池的活动和需求赚取利息。

For instance, if a user deposits $10,000 worth of ETH into the platform during high utilization, they can earn competitive passive income—sometimes even more than traditional DeFi platforms offer, depending on pool activity.

例如，如果用户在高利用率期间将价值10,000美元的ETH存入该平台，则他们可以赚取竞争性的被动收入，其中有时甚至比传统的Defi平台所提供的更多，具体取决于泳池活动。

On the P2P side, Mutuum Finance allows users to lend directly to others, with full control over interest rates and loan duration.

在P2P方面，Mutuum Finance允许用户直接借给他人，并完全控制利率和贷款期限。

What makes this particularly exciting is that users can lend or borrow assets not commonly available on traditional platforms—such as meme coins like DOGE, SHIB, or PEPE—opening new doors for crypto enthusiasts seeking variety and flexibility.

使这种特别令人兴奋的是，用户可以在传统平台（例如Doge，Shib或pepe）上借出或借用不常见的资产，为寻求多样性和灵活性的加密爱好者打开了新的门。

Utility, passive income, and mtTokens

公用事业，被动收入和mttokens

Mutuum Finance offers more than just speculation. Users who deposit assets into the protocol receive mtTokens, which are tokenized receipts of their deposits.

Mutuum Finance不仅提供猜测。将资产存入协议的用户会收到MTTOKENS，这些用户是其存款的标记收据。

These mtTokens automatically earn interest and reflect the real-time value of both the deposit and its returns.

这些mttokens会自动赚取利息，并反映押金的实时价值及其收益。

On top of that, users who stake mtTokens in designated safety modules are eligible for passive dividends in MUTM, funded by the platform’s revenue buybacks.

最重要的是，在指定的安全模块中存放mttokens的用户有资格获得MUTM中的被动股息，该股息由该平台的收入回购资助。

This model rewards long-term holders with more than just token appreciation—it offers sustainable passive income.

该模型以不仅仅是代币的欣赏而奖励长期持有人，它提供了可持续的被动收入。

One of the biggest concerns in crypto investing is project reliability. Mutuum Finance has already undergone a full smart contract audit in its early phase.

加密投资最大的担忧之一是项目可靠性。 Mutuum Finance在早期阶段已经进行了完整的智能合同审核。

On top of that, the project is building its infrastructure in a transparent and professional manner.

最重要的是，该项目正在以透明和专业的方式建立其基础设施。

Its roadmap outlines every development phase, including core smart contract work, DApp front-end, analytics tools, exchange listings, and regional compliance efforts.

它的路线图概述了每个开发阶段，包括核心智能合同工作，DAPP前端，分析工具，交流清单和区域合规性工作。

A standout feature is its AI-powered helpdesk, which assists users with technical and general questions in real time, reducing support issues and improving user experience.

其出色的功能是其AI驱动的HelpDesk，它可以实时帮助用户进行技术和一般问题，从而减少支持问题并改善用户体验。

Combined with future plans for multi-chain expansion and institutional partnerships, Mutuum Finance is setting itself up to compete with established platforms.

结合未来的多链扩展和机构合作伙伴关系的计划，Mutuum Finance正在与已建立的平台竞争。

Real numbers and real growth

实际数字和实际增长

From a data perspective, MUTM is showing real momentum. With more than 10,900 holders and over half a billion tokens already sold, the numbers support the community’s enthusiasm.

从数据的角度来看，MUTM显示出真实的动量。已经出售了超过10,900个持有人和超过50亿代币，这些数字支持了社区的热情。

The rise from $0.01 to $0.03 represents a 200% return—something the majority of top 20 coins haven’t achieved in over a year.

从0.01美元上升到0.03美元，代表了200％的回报，这是一年多以来前20个硬币中没有取得的大部分。

Imagine investing $1,000 at the current price of $0.03. When the token does a 35x after listing, that investment could be worth $35,000.

想象一下，以当前价格为0.03美元投资1,000美元。当代币在上市后进行35倍时，这项投资价值35,000美元。

These numbers are realistic considering the platform’s fundamentals, token utility, and current interest level from investors.

考虑到平台的基本面，代币公用事业以及投资者目前的利息水平，这些数字是现实的。

And once institutions take notice, price growth could accelerate beyond expectations.

而且，一旦机构注意到，价格增长可能会超出预期。