隨著加密貨幣市場逐漸重建的勢頭，投資者再次尋找不僅提供炒作的高層資產。

在這種環境中，具有真正實用性和結構良好的令牌學的早期令牌開始成為中心的舞台。

Crypto investors are constantly searching for high-upside assets that offer more than just hype, especially as the market gradually rebuilds momentum. In this environment, early-stage tokens with real utility and well-structured tokenomics are beginning to take center stage.

加密投資者一直在尋找不僅提供炒作的高層資產，尤其是當市場逐漸重建勢頭時。在這種環境中，具有真正實用性和結構良好的令牌學的早期令牌開始成為中心的舞台。

One of the names drawing increasing attention is Mutuum Finance (MUTM)—a DeFi protocol still in presale, priced at $0.025, and steadily positioning itself as one of the best cryptos to buy now.

引起人們越來越關注的名稱之一是Mutuum Finance（MUTM），這是一種預售的Defi協議，價格為0.025美元，並將自己穩步定位為現在購買的最佳加密貨幣之一。

Mutuum Finance is not another copy-paste DeFi project. It’s been built to solve key inefficiencies in how crypto lending and borrowing currently work—by offering users flexibility, autonomy, and clearer incentives across two distinct models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. Combined with a fair presale structure and a growing base of long-term holders, the project is beginning to stand out for all the right reasons.

Mutuum Finance不是另一個複制範圍的Fefi項目。它是為了解決當前加密貸款和借貸如何工作的關鍵效率低下的構建 - 通過為用戶提供兩個不同模型的靈活性，自主權和更清晰的激勵措施：點對點 - 合同（P2C）和點對點（P2P）貸款。結合了公平的預售結構和長期持有人的不斷增長的基礎，該項目開始出於所有正確的理由而脫穎而出。

However, the current presale price of $0.025 isn’t just attractive—it’s also time-sensitive. With over 8,100 holders already on board and more than $6.5 million raised, the demand for MUTM speaks for itself. Once this phase closes, the price will increase to $0.03, before launching publicly at $0.06. That’s more than double the entry point for those joining now.

但是，目前的預售價格為0.025美元不僅有吸引力，而且時間敏感。已經有超過8,100個持有人在船上，籌集了超過650萬美元，對MUTM的需求自言自語。此階段結束後，價格將上漲至0.03美元，然後以0.06美元的價格公開推出。對於現在加入的人來說，這是入口點的兩倍以上。

What makes this especially appealing is that Mutuum isn’t just promising future utility—it’s already laid out a clear roadmap, including the launch of a beta platform post-presale and upcoming exchange listings. The protocol’s growth is being driven by practical features, not marketing alone.

使這一特別吸引人的原因是，Mutuum不僅承諾未來的公用事業，而且已經提出了一個明確的路線圖，包括發布了Beta平台後總價和即將到來的交換列表。該協議的增長是由實際功能驅動的，而不是單獨營銷。

To understand why Mutuum stands out, it’s helpful to break down its unique components:

要了解為什麼Mutuum脫穎而出，分解其獨特組成部分是有幫助的：

Dual Lending Models: P2C and P2P

雙貸款模型：P2C和P2P

Mutuum offers two distinct lending models to cater to diverse user preferences. The P2C model, powered by shared liquidity pools, allows users to either lend their assets and earn interest or borrow assets by providing overcollateralization. Interest rates adjust automatically based on pool utilization, ensuring efficient resource allocation. All transactions are handled transparently by smart contracts, fostering trust and security.

Mutuum提供了兩種不同的貸款模型，可滿足不同的用戶偏好。由共享流動性池提供支持的P2C模型允許用戶通過提供過度貸方貸款並賺取利息或借用資產。利率根據池利用率自動調整，以確保有效的資源分配。所有交易均由智能合約透明地處理，促進信任和安全性。

On the other hand, the P2P model introduces a more flexible and decentralized approach. Users can directly negotiate lending terms and rates with each other, opening up possibilities for assets that don't typically qualify under traditional lending models. For instance, borrowers holding Shiba Inu (SHIB) or Pepe (PEPE) can use these tokens as collateral in custom P2P agreements to access liquidity.

另一方面，P2P模型引入了一種更靈活和分散的方法。用戶可以直接協商貸款條款和利率，從而為通常在傳統貸款模型下通常沒有資格的資產打開了可能性。例如，持有Shiba INU（SHIB）或PEPE（PEPE）的借款人可以將這些令牌用作自定義P2P協議中的抵押品來訪問流動性。

This dual system gives users a choice—the stability of pooled lending or the customization and asset flexibility of P2P, both offered within a single protocol.

該雙重系統為用戶提供了選擇 - 匯總貸款的穩定性或P2P的自定義和資產靈活性，均在單個協議中提供。

mtToken: Functional & Yield-Generating

mttoken：功能和產生

When users deposit assets into Mutuum, they receive mtTokens, which represent their deposit and increase in redeemable value as interest accrues. These tokens can be held, transferred, or used in other DeFi applications, rendering them both functional and yield-generating.

當用戶將資產存入mutuum時，他們會收到mttokens，這代表了他們的存款並增加了可贖回價值作為利息。這些代幣可以在其他Defi應用中持有，轉移或使用，從而使它們具有功能性和產生產生。

Furthermore, a portion of the platform's revenue is used to buy MUTM tokens on the open market and redistribute them to mtToken holders. This ongoing cycle ties user activity directly to long-term incentives, creating a sustainable model for growth.

此外，該平台收入的一部分用於在公開市場上購買MUTM令牌，並將其重新分配給Mttoken持有者。這個持續的周期將用戶活動直接與長期激勵措施聯繫起來，從而為增長創造了可持續的模型。

In an interview with TechCrunch, Mutuum CEO and founder Ivan Rusev highlighted the importance of catering to the community and providing a fair token distribution model.

Mutuum首席執行官兼創始人Ivan Rusev在接受TechCrunch採訪時，強調了餐飲對社區的重要性並提供了公平的代幣分發模型。

“The project is community-led with a vision to empower users with flexible and efficient DeFi solutions. We are focused on building a sustainable ecosystem that benefits all contributors in the long term,” Rusev said.

Rusev說：“該項目以社區為主導的願景，旨在使用戶具有靈活，有效的Defi解決方案。我們專注於建立一個可持續的生態系統，從長遠來看，這使所有貢獻者受益。”

The project’s goal is to raise $15 million in the presale, with a minimum contribution set at $50. The funds will be utilized for product development, marketing, and community initiatives.

該項目的目標是在預售中籌集1500萬美元，最低貢獻設定為50美元。資金將用於產品開發，營銷和社區計劃。

Those interested in learning more about Mutuum can visit the official website or join the official Telegram group.

那些有興趣了解Mutuum的人可以訪問官方網站或加入官方電報組。

Mutuum Finance is still in the early stages of its journey, and it will be interesting to observe how the project unfolds, especially once the beta platform launches and the token becomes available for public trading.

Mutuum Finance仍處於旅程的早期階段，觀察該項目的發展將很有趣，尤其是一旦Beta平台推出，並且代幣可用於公共交易。

With a working P2C model, flexible P2P lending, and passive income mechanisms already in place, MUTM isn't just another presale token. It's shaping up to be one of the most well-rounded DeFi entries of the year—and at $0.025, the window to get in early is still open, but it won't stay that way for long.

借助工作的P2C模型，靈活的P2P貸款和被動收入機制，MUTM不僅是另一個預售令牌。它正在成為一年中最全面的Defi條目之一，而售價為0.025美元，早期進入的窗口仍然開放，但不會長時間保持這種狀態。