在2025

以太坊長期以來一直被視為分散金融的基準，其往績涵蓋了近十年。但是在2025年，投資者對價值的看法有所不同。

The crypto market is known for its volatility, which can create opportunities for investors to gain huge returns, especially during a bull market. While Ethereum (ETH) is a renowned cryptocurrency with a long track record and is often viewed as a benchmark, some analysts believe that another token could outperform ETH significantly by the end of 2025.

加密市場以其波動性而聞名，這可以為投資者創造機會獲得巨大的回報，尤其是在牛市期間。儘管以太坊（ETH）是著名的加密貨幣，並經常被視為基準，但一些分析師認為，到2025年底，另一個令牌可以顯著勝過ETH。

One such project that is starting to attract serious attention for its strong growth potential is Mutuum Finance (MUTM). The token is currently priced at just $0.025 during its presale and offers what many see as one of the strongest upside plays this year.

Mutuum Finance（MUTM）這樣的項目開始引起嚴重關注的一個項目。該代幣目前的預售期間的價格僅為0.025美元，並提供了許多人今年最強的上升表現之一。

ETH’s Slower Price Movement and ROI Potential

ETH的價格變動和投資回報率較慢

There’s no doubt that Ethereum has made significant contributions to blockchain innovation. It continues to lead the space in total value locked and user adoption, and its recent upgrades, including the shift to Proof-of-Stake, have improved its energy efficiency and scalability.

毫無疑問，以太坊為區塊鏈創新做出了重大貢獻。它繼續領導總價值鎖定和用戶採用的空間，並且最近的升級（包括轉向銷售證明）提高了其能源效率和可擴展性。

However, ETH’s price movement has become slower and more conservative. After reaching highs above $4,800 in its 2021 cycle, ETH is currently trading in the $1,570 range, with year-end price forecasts ranging from $3,500 to $4,000.

但是，ETH的價格變動變得越來越慢，更保守。在其2021週期達到高於$ 4,800的高價之後，ETH目前的交易範圍為1,570美元，年終價格預測範圍從3,500美元到4,000美元不等。

While this stability and confidence in ETH are evident, it also limits the near-term ROI potential for those who enter at these levels. At best, one can expect a 2x to 3x return on investment over the next six months to one year.

儘管這種穩定性和對ETH的信心顯而易見，但它也限制了進入這些水平的人的近期投資潛力。充其量，人們可以預期在接下來的六個月到一年中的投資回報率為2倍至3倍。

Mutuum Finance (MUTM) and Its Modular DeFi Protocol

Mutuum Finance（MUTM）及其模塊化規程

Mutuum Finance takes a different approach. Rather than building just another lending platform, it’s constructing a modular DeFi protocol with several moving parts, all of which are designed to support real value accrual.

Mutuum Finance採用了不同的方法。它不僅僅構建另一個貸款平台，而是使用幾個運動部件構建模塊化的Defi協議，所有這些方案旨在支持實際價值應計。

The protocol will issue mtTokens to users who deposit assets into its liquidity pools. However, unlike basic receipt tokens, mtTokens are designed to track earned interest in real time, with their redeemable value automatically updated. Instead of changing token quantity or price ratios, the protocol calculates value internally, keeping the system intuitive and accurate for users.

該協議將向將資產存入其流動性池的用戶發出mttokens。但是，與基本的收據令牌不同，Mttokens旨在實時跟踪賺取的興趣，其可兌換價值自動更新。該協議沒有更改令牌數量或價格比，而是內部計算值，使系統保持直觀和準確的用戶。

This structure allows users to track their returns transparently while remaining fully in control of their deposited assets.

這種結構使用戶可以透明地跟踪其回報，同時完全控制其存款資產。

Moreover, Mutuum is preparing to launch a fully decentralized stablecoin. The stablecoin will be overcollateralized and pegged to the U.S. Dollar through smart contracts. Every minted unit will be backed by locked assets within the protocol, and the system burns stablecoins upon loan repayments or liquidations, ensuring constant supply balance. Unlike centralized stablecoins, Mutuum’s version will live entirely on-chain, aligning with the platform’s trustless philosophy.

此外，Mutuum正在準備發射完全分散的Stablecoin。該穩定的人將通過智能合約過度結局並將其與美元掛鉤。每個鑄造的單元都將在協議中的鎖定資產後支持，並且該系統在貸款償還或清算時燃燒了穩定的穩定器，以確保持續的供應餘額。與集中式Stablecoins不同，Mutuum的版本將完全存在於鏈上，與該平台的無信任哲學保持一致。

Why MUTM Could Deliver Higher ROI Than ETH

為什麼MUTM能提供比ETH更高的ROI

The numbers speak for themselves. While ETH might 2x or 3x from its current price range, MUTM’s upside is exponentially greater. Once the token launches on exchanges, it’s projected to start at $0.06, already a 140% gain from current presale levels.

數字自言自語。儘管ETH的目前價格範圍可能是2倍或3倍，但MUTM的上漲空間呈指數較大。一旦代幣在交易所上推出，預計將起價為0.06美元，已經從當前的預售水平獲得了140％的收益。

However, the price projections don’t stop there. Based on planned feature rollouts, increased usage of mtTokens and stablecoins, and growing community participation, some analysts estimate a price of $1.20 to $1.50 within the first few weeks post-launch. This would translate to a 4,700% to 5,900% surge from the presale price.

但是，價格預測不止於此。根據計劃的功能推廣，增加了mttokens和stablecoins的使用以及不斷增長的社區參與，一些分析師估計，在發布後的頭幾週內，價格在1.20美元至1.50美元。這將轉化為預售價格的4,700％至5,900％。

For long-term holders looking out to Q1 2026, projections suggest potential highs of $6 or even $8.

對於長期持有人，向第1季度2026年，預測表明，潛在的高點為6美元甚至8美元。

What sets MUTM apart isn’t just its low price or future roadmap; it’s the protocol’s revenue model. A percentage of the fees collected through borrowing activity will be used to purchase MUTM tokens from open markets, which are subsequently distributed to active participants who hold mtTokens. This not only rewards long-term participants but also creates steady buy pressure.

使mutm與眾不同的是，不僅是其低價或未來的路線圖；這是協議的收入模型。通過借貸活動收集的費用的百分比將用於從公開市場上購買MUTM令牌，後來將其分發給持有mttokens的活躍參與者。這不僅獎勵了長期參與者，還會造成穩定的購買壓力。

Additionally, the protocol is designed to handle a wide range of digital assets—from blue-chip tokens like ETH and BTC to meme coins like SHIB and DOGE through its future peer-to-peer module. This gives users access to structured borrowing and lending, no matter what kind of portfolio they hold.

此外，該協議旨在處理各種數字資產 - 從ETH和BTC等藍籌令牌到模因硬幣，例如Shib和Doge，通過其未來的對等模塊。這使用戶可以訪問結構化的借貸和貸款，無論他們持有哪種投資組合。

Over 8,300 on-chain holders have joined the project during its early phases, and more than $6.8 million has been raised so far. The presale is currently in its 4th phase, with the next price increase set at $0.03, marking a 20% jump. A live dashboard is already active, showing real-time presale data and offering transparency to the community. In addition, a CertiK audit is underway to verify the smart contract security before the full product launch.

超過8,300個鏈持有人在其早期階段加入了該項目，到目前為止已經籌集了超過680萬美元。預售目前處於第四階段，下一個價格上漲為0.03美元，躍升為20％。實時儀表板已經活躍，顯示了實時的預售數據並為社區提供透明度。此外，正在進行認證審核，以在完整產品發布之前驗證智能合約安全性。

While Ethereum will remain a core infrastructure for blockchain-based applications and development, MUTM offers one of the best opportunities for smaller investors to multiply their capital.

儘管以太坊將仍然是基於區塊鏈的應用程序和開發的核心基礎設施，但MUTM為小型投資者提供了繁殖資本的最佳機會之一。