抛弃狗狗（Doge）的猜测，投资者正在转移到Mutuum Finance（MUTM）

尽管Dogecoin（Doge）在猜测方面蓬勃发展，但投资者正在转向Mutuum Finance（MUTM），因为其真正的金融公用事业。

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）是一种分散的贷款协议，旨在在加密货币领域提供实际的金融效用。它提供了两种贷款产品：对等合同（P2C）和点对点（P2P）。在P2C模型中，用户为流动性池提供资产，并根据借贷需求赚取利息。利率通过利用动态调整，以使供应商的公平收益和可持续的借贷费用。 P2P模型允许用户之间的直接贷款协议，因为用户可以控制利率和贷款条款。与P2C不同，P2P模型使用户能够在传统的贷款池中提供和借用资产，包括Shib和Pepe等模因硬币。协议中的所有活动将通过智能合约进行，该合同将由一家知名公司审核，以验证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.

为流动性池贡献资产的供应商获得了利息，并根据借贷需求进行调整收益。例如，将USDT存入该平台的人会看到随着利息的积累，他们的余额会逐渐增加，从而提供稳定的被动收入来源。确切的速度取决于市场状况和流动性池利用率。

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.

在借贷方面，用户可以利用其加密资产无需出售即可获得流动性。通过将ETH或其他一些受支持的令牌化，他们能够按照其存款价值借用Stablecoins。贷款由贷款与价值比率确定，该比率根据资产的风险概况而有所不同。这使借款人可以在保留其抵押品的同时获得其他投资的资本。

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的第二个预赛阶段现已开始，允许早期投资者在下一阶段价格上涨至0美元之前以0.015美元的价格购买令牌。