拋棄狗狗（Doge）的猜測，投資者正在轉移到Mutuum Finance（MUTM）

儘管Dogecoin（Doge）在猜測方面蓬勃發展，但投資者正在轉向Mutuum Finance（MUTM），因為其真正的金融公用事業。

Mutuum Finance (MUTM) is a decentralized lending protocol that aims to provide real financial utility in the cryptocurrency space. It offers two lending products: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users contribute assets to liquidity pools and earn interest based on borrowing demand. Interest rates adjust dynamically with utilization to give suppliers fair returns and sustainable borrowing charges. The P2P model allows direct lending agreements between users, where the users have control over interest rates and loan terms. Unlike P2C, the P2P model enables users to supply and borrow assets not available in traditional lending pools, including meme coins like SHIB and PEPE. All activities in the protocol will be performed through a smart contract, which will be audited by a well-known firm to verify trustworthiness and prevent vulnerabilities.

Mutuum Finance（MUTM）是一種分散的貸款協議，旨在在加密貨幣領域提供實際的金融效用。它提供了兩種貸款產品：對等合同（P2C）和點對點（P2P）。在P2C模型中，用戶為流動性池提供資產，並根據借貸需求賺取利息。利率通過利用動態調整，以使供應商的公平收益和可持續的借貸費用。 P2P模型允許用戶之間的直接貸款協議，因為用戶可以控制利率和貸款條款。與P2C不同，P2P模型使用戶能夠在傳統的貸款池中提供和借用資產，包括Shib和Pepe等模因硬幣。協議中的所有活動將通過智能合約進行，該合同將由一家知名公司審核，以驗證可信度和防止脆弱性。

Suppliers who contribute assets to liquidity pools earn interest, with returns adjusting based on borrowing demand. For instance, someone depositing USDT into the platform would see their balance gradually increase over time as interest accumulates, offering a steady passive income stream. The exact rate varies depending on market conditions and liquidity pool utilization.

為流動性池貢獻資產的供應商獲得了利息，並根據借貸需求進行調整收益。例如，將USDT存入該平台的人會看到隨著利息的積累，他們的餘額會逐漸增加，從而提供穩定的被動收入來源。確切的速度取決於市場狀況和流動性池利用率。

On the borrowing side, users can utilize their crypto assets to access liquidity without selling. By collateralizing ETH or some other supported token, they are able to borrow stablecoins in proportion to the value of their deposit. The loan is determined by the loan-to-value ratio, which differs according to the risk profile of the asset. This allows borrowers to access capital for other investments while retaining control over their collateral.

在藉貸方面，用戶可以利用其加密資產無需出售即可獲得流動性。通過將ETH或其他一些受支持的令牌化，他們能夠按照其存款價值借用Stablecoins。貸款由貸款與價值比率確定，該比率根據資產的風險概況而有所不同。這使借款人可以在保留其抵押品的同時獲得其他投資的資本。

Mutuum Finance’s second presale stage has now begun, permitting early investors to buy tokens at $0.015 before the next stage price increases to $0.

Mutuum Finance的第二個預賽階段現已開始，允許早期投資者在下一階段價格上漲至0美元之前以0.015美元的價格購買令牌。