Mutuum Finance（MUTM）準備使用其創新平台破壞貸款和借貸市場

隨著加密貨幣市場的發展，投資者正在超越炒作驅動的資產，並專注於現實世界實用程序的項目。兩個令牌引起人們的注意，原因是Mutuum Finance（MUTM）和Shiba INU（SHIB）。

In the dynamic landscape of crypto investing in 2025, investors are increasingly turning their attention to projects that offer real-world utility over hype-driven assets. Two tokens that have been entering the sphere of investors’ interest for very different reasons are Mutuum Finance (MUTM) and Shiba Inu (SHIB).

在2025年加密貨幣投資的動態景觀中，投資者越來越多地將注意力轉向提供對炒作驅動資產的現實世界實用程序的項目。出於截然不同的原因，已經進入投資者利益領域的兩個令牌是Mutuum Finance（MUTM）和Shiba Inu（Shib）。

While SHIB, a leading meme coin, is known for its strong community and viral presence, MUTM is emerging as a structured decentralized finance (DeFi) platform, presenting lending and borrowing solutions.

雖然領先的模因硬幣Shib以其強大的社區和病毒式存在而聞名，但MutM卻成為一個結構化的分散融資（DEFI）平台，展示了貸款和借貸解決方案。

With the adoption of DeFi services rapidly increasing, many investors feel that Mutuum Finance has a stronger foundation for long-term growth, as it offers a functional financial model. This is in comparison to Shiba Inu, which relies more on market speculation and hype.

隨著DEFI服務的採用迅速增加，許多投資者認為Mutuum Finance為長期增長而言具有更強的基礎，因為它提供了功能性的財務模型。這與志願INU相比，這更多地依賴於市場投機和炒作。

As 2025 approaches, a key question on the minds of many is: will utility-focused projects like MUTM outperform meme-driven tokens like SHIB, or will hype continue to dominate the market in the long run?

隨著2025年的臨近，許多人心目中的一個關鍵問題是：像MUTM這樣的以公用事業為中心的項目勝過模因驅動的代幣，或者像Shib這樣的shib，還是從長遠來看會繼續統治市場？

Shiba Inu (SHIB)

什巴·伊努（Shiba Inu（Shib））

Introduced in 2020, Shiba Inu (SHIB) is a meme-based cryptocurrency that is built on the Ethereum network. Originally launched as an alt to Dogecoin (CRYPTO: DOGE), SHIB quickly gained popularity thanks to its strong community and viral marketing campaigns.

Shiba Inu（Shib）於2020年推出的是基於模因的加密貨幣，該加密貨幣是在以太坊網絡上構建的。 Shib最初是作為Dogecoin（Crypto：Doge）的Alt推出的，由於其強大的社區和病毒營銷活動，Shib迅速獲得了知名度。

Along with its meme-driven origins, Shiba Inu has additional use cases, which include its own decentralized exchange (DEX), known as ShibaSwap, and a growing ecosystem of tokens.

除了其模因驅動的起源外，Shiba Inu還具有其他用例，其中包括其自身的分散交換（DEX），稱為Shibaswap和日益增長的代幣生態系統。

Despite being categorized as a meme coin, there has been an increasing focus on expanding SHIB’s utility and adoption. The token has been integrated into various payment systems, enabling merchants to accept it as a form of payment.

儘管被歸類為模因硬幣，但越來越重視擴大Shib的效用和採用。令牌已集成到各種支付系統中，使商人能夠接受它作為付款方式。

Additionally, Shiba Inu is launching Shibarium, a Layer-2 solution to improve scalability and transaction efficiency.

此外，Shiba INU正在推出Shibarium，這是一種提高可擴展性和交易效率的第2層解決方案。

However, the majority of Shiba Inu’s market movements are driven by speculation, with price action being influenced by community hype, ‘whale’ activity, and the overall sentiment in the crypto market.

但是，大多數Shiba INU市場變動都是由投機驅動的，價格行動受社區炒作，“鯨魚”活動以及加密貨幣市場的整體情感影響。

While it has built a very dedicated following, questions remain about its long-term viability compared to utility-driven projects like Mutuum Finance (MUTM), which is designed to offer real financial applications.

儘管它已經建立了非常敬業的追隨者，但與公用事業驅動的項目（如Mutuum Finance（MUTM））相比，其長期生存能力仍然存在，該項目旨在提供實際的財務應用。

Mutuum Finance (MUTM)

死亡金融（MUTM）

While Shiba Inu has become a point of interest for its meme-driven appeal, Mutuum Finance (MUTM) is carving its path as a utility-based token, offering real-world financial applications through its decentralized lending platform.

儘管Shiba Inu已成為其模因驅動的上訴的一種關注點，但Mutuum Finance（MUTM）正在以基於公用事業為基礎的代幣進行道路，並通過其分散的貸款平台提供現實世界中的財務應用。

By providing a structured borrowing and lending system, MUTM allows users to earn passive income from their crypto or gain the ability to access liquidity without selling their assets. This utility sets it apart from speculative tokens, making it an attractive option for investors who prioritize long-term value over short-term hype.

通過提供結構化的借貸和貸款系統，MUTM允許用戶從其加密貨幣中賺取被動收入，或者在不出售其資產的情況下獲得流動性的能力。該公用事業公司將其與投機代幣區分開來，使其成為優先考慮長期價值優先於短期炒作的投資者的有吸引力的選擇。

Mutuum Finance is actively developing a dual lending model that will feature both peer-to-contract (P2C) and peer-to-peer (P2P) lending, providing users with greater flexibility in managing their assets. Once launched, this system will allow lenders to deposit assets into smart contract-based pools, earning competitive annual percentage yields (APYs) as a reward for supplying liquidity.

Mutuum Finance正在積極開發一個雙重貸款模型，該模型將以同意（P2C）和點對點（P2P）貸款為特色，為用戶提供更大的靈活性來管理其資產。推出後，該系統將允許貸方將資產存入基於智能合同的池中，從而賺取具有競爭力的年度百分比收益率（APY），以作為供應流動性的獎勵。

Borrowers, in turn, will be able to use their crypto, such as Bitcoin (BTC) or ETH, as collateral to access funds at low rates, without needing to sell their holdings.

反過來，借款人將能夠使用其加密貨幣（例如比特幣（BTC）或ETH）作為較低利率獲得資金的抵押品，而無需出售其持股。

Furthermore, the team is working on an overcollateralized stablecoin, designed to enhance liquidity and expand borrowing options within the ecosystem. This stablecoin will provide a stable and secure borrowing alternative, ensuring that users can maintain exposure to their assets while unlocking liquidity.

此外，該團隊正在研究一個過度結合的Stablecoin，旨在提高流動性並擴大生態系統中的借貸選擇。這種穩定的幣將提供穩定且安全的借貸替代方案，以確保用戶可以在解鎖流動性的同時維持其資產的曝光率。

As these features continue to be developed, Mutuum Finance is positioning itself as a well-rounded lending and borrowing platform, bringing real utility to the decentralized finance (DeFi) space.

隨著這些功能繼續開發，Mutuum Finance將自己定位為一個全面的貸款和借貸平台，為去中心的財務（DEFI）空間帶來了真正的實用性。

The MUTM presale has already raised over $2.2 million, with thousands of investors securing early positions. Currently in its second phase, the token is priced at $0.015, with demand accelerating as the next phase is set to introduce a 50% price increase.

MUTM Presale已經籌集了超過220萬美元，成千上萬的投資者確保了早期職位。該令牌目前處於第二階段的價格，價格為0.015美元，隨著下一階段的價格將提高50％的價格，需求加速。

Analysts are placing Mutuum Finance for a surge of up to 2,000% shortly after the token’s launch, which is being attributed to strong early adoption, the token’s utility, and upcoming exchange listings.

分析師將在令牌發布後不久的2,000％的激增籌集了Mutuum Finance，這歸因於早期採用，代幣的實用程序和即將到來的交流清單。

A major factor behind this expected surge is the team’s plan to launch a beta version of the platform alongside the token’s launch. By making the lending and borrowing system accessible from day one, demand for MUTM is expected to increase rapidly, as investors and traders will be able to immediately engage with the token’s utility.

這次預期激增的一個主要因素是該團隊計劃在代幣的發布會並啟動該平台的Beta版本。通過使貸款和借貸系統從第一天起就可以訪問，對MUTM的需求將迅速增加，因為投資者和交易者將能夠立即與代幣的公用事業互動。

This immediate functionality will not only attract new users but also strengthen the token’s market position, further fueling price growth in the early stages after launch.

這種直接的功能不僅會吸引新用戶，而且還可以增強代幣的市場地位，從而進一步加劇了發射後早期的價格上漲。

For an investor who secures $1,500 worth of MUTM at

對於一個獲得價值1,500美元的MUTM的投資者