随着加密货币市场逐渐重建的势头，投资者再次寻找不仅提供炒作的高层资产。

在这种环境中，具有真正实用性和结构良好的令牌学的早期令牌开始成为中心的舞台。

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.

加密投资者一直在寻找不仅提供炒作的高层资产，尤其是当市场逐渐重建势头时。在这种环境中，具有真正实用性和结构良好的令牌学的早期令牌开始成为中心的舞台。

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.

引起人们越来越关注的名称之一是Mutuum Finance（MUTM），这是一种预售的Defi协议，价格为0.025美元，并将自己稳步定位为现在购买的最佳加密货币之一。

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不是另一个复制范围的Fefi项目。它是为了解决当前加密贷款和借贷如何工作的关键效率低下的构建 - 通过为用户提供两个不同模型的灵活性，自主权和更清晰的激励措施：点对点 - 合同（P2C）和点对点（P2P）贷款。结合了公平的预售结构和长期持有人的不断增长的基础，该项目开始出于所有正确的理由而脱颖而出。

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，目前的预售价格为0.025美元不仅有吸引力，而且时间敏感。已经有超过8,100个持有人在船上，筹集了超过650万美元，对MUTM的需求自言自语。此阶段结束后，价格将上涨至0.03美元，然后以0.06美元的价格公开推出。对于现在加入的人来说，这是入口点的两倍以上。

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.

使这一特别吸引人的原因是，Mutuum不仅承诺未来的公用事业，而且已经提出了一个明确的路线图，包括发布了Beta平台后总价和即将到来的交换列表。该协议的增长是由实际功能驱动的，而不是单独营销。

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

要了解为什么Mutuum脱颖而出，分解其独特组成部分是有帮助的：

Dual Lending Models: P2C and P2P

双贷款模型：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提供了两种不同的贷款模型，可满足不同的用户偏好。由共享流动性池提供支持的P2C模型允许用户通过提供过度贷方贷款并赚取利息或借用资产。利率根据池利用率自动调整，以确保有效的资源分配。所有交易均由智能合约透明地处理，促进信任和安全性。

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模型引入了一种更灵活和分散的方法。用户可以直接协商贷款条款和利率，从而为通常在传统贷款模型下通常没有资格的资产打开了可能性。例如，持有Shiba INU（SHIB）或PEPE（PEPE）的借款人可以将这些令牌用作自定义P2P协议中的抵押品来访问流动性。

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.

该双重系统为用户提供了选择 - 汇总贷款的稳定性或P2P的自定义和资产灵活性，均在单个协议中提供。

mtToken: Functional & Yield-Generating

mttoken：功能和产生

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.

当用户将资产存入mutuum时，他们会收到mttokens，这代表了他们的存款并增加了可赎回价值作为利息。这些代币可以在其他Defi应用中持有，转移或使用，从而使它们具有功能性和产生产生。

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，该平台收入的一部分用于在公开市场上购买MUTM令牌，并将其重新分配给Mttoken持有者。这个持续的周期将用户活动直接与长期激励措施联系起来，从而为增长创造了可持续的模型。

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首席执行官兼创始人Ivan Rusev在接受TechCrunch采访时，强调了餐饮对社区的重要性并提供了公平的代币分发模型。

“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说：“该项目以社区为主导的愿景，旨在使用户具有灵活，有效的Defi解决方案。我们专注于建立一个可持续的生态系统，从长远来看，这使所有贡献者受益。”

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.

该项目的目标是在预售中筹集1500万美元，最低贡献设定为50美元。资金将用于产品开发，营销和社区计划。

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

那些有兴趣了解Mutuum的人可以访问官方网站或加入官方电报组。

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仍处于旅程的早期阶段，观察该项目的发展将很有趣，尤其是一旦Beta平台推出，并且代币可用于公共交易。

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，灵活的P2P贷款和被动收入机制，MUTM不仅是另一个预售令牌。它正在成为一年中最全面的Defi条目之一，而售价为0.025美元，早期进入的窗口仍然开放，但不会长时间保持这种状态。