在一个通常由高额加密货币主导的头条新闻的市场中，Mutuum Finance（MUTM）正在悄悄地为自己雕刻一个地方

这个被低估的代币在当前的预售阶段的价格仅为0.025美元

In the vibrant and fast-paced realm of crypto investing, it's easy to get swept away by the latest meme coin or the hottest new airdrop. However, sometimes the best opportunities lie in patiently observing and supporting projects that are steadily building value over time.

在加密投资的充满活力和快节奏的领域中，很容易被最新的Meme Coin或最热门的Airdrop击倒。但是，有时最好的机会在于耐心观察和支持随着时间的推移稳步建立价值的项目。

Enter Mutuum Finance (MUTM), a decentralized lending and borrowing protocol aiming to provide a more accessible, transparent, and rewarding DeFi experience for both lenders and borrowers.

输入Mutuum Finance（MUTM），这是一种分散的贷款和借款协议，旨在为贷方和借款人提供更容易获得，透明和有益的偏见经验。

Mutuum Finance

借款人财务

Mutuum Finance is a decentralized lending and borrowing protocol designed to make DeFi more accessible, transparent, and rewarding for both sides of the market. The platform allows users to deposit supported crypto assets into secure smart contracts and receive mtTokens in return. These mtTokens represent the user’s deposited assets and are structured to automatically accrue value over time, thanks to the interest generated by borrowers.

Mutuum Finance是一种分散的贷款和借贷协议，旨在使Defi对市场的双方更容易获得，透明和有益。该平台允许用户将支持的加密资产存入安全的智能合约并接收MTTOKENS作为回报。这些mttokens代表用户的存款资产，并归功于借款人产生的利息，以随着时间的推移自动产生价值。

The mtToken system is one of Mutuum’s core strengths. When users supply assets like USDT, ETH, or DAI, they receive a 1:1 representation of that asset in the form of mtTokens (for example, mtUSDT or mtETH). These tokens don’t just sit idle. As interest payments flow into the protocol, the value tied to each mtToken grows. This model allows holders to earn passive income without needing to time the market or chase short-term volatility. Everything is handled through audited smart contracts, giving users full transparency and control.

Mttoken系统是Mutuum的核心优势之一。当用户提供USDT，ETH或DAI之类的资产时，他们以Mttokens的形式获得该资产的1：1表示（例如，MTUSDT或MTETH）。这些令牌不仅置于闲置。随着利息支付流入协议，与每个mttoken相关的价值都会增长。该模型允许持有人赚取被动收入，而无需为市场或追逐短期波动时间计时。一切都是通过经过审核的智能合约来处理的，从而为用户提供了完整的透明度和控制。

For borrowers, Mutuum offers overcollateralized loans where they can lock up digital assets and receive liquidity without needing to sell. This is especially beneficial for those who believe in the long-term value of their holdings but need funds in the short term. The protocol also allows flexibility in interest rate selection and repayment timing, offering users more control compared to centralized alternatives.

对于借款人来说，Mutuum提供了过度的贷款，他们可以锁定数字资产并获得流动性而无需出售。对于那些相信其持股长期价值但在短期内需要资金的人来说，这尤其有益。该协议还可以灵活地选择利率选择和还款时机，与集中式替代方案相比，用户为用户提供了更多的控制。

Beyond core lending and borrowing features, the team is also preparing to introduce a native overcollateralized stablecoin, pegged to the U.S. dollar and backed directly by assets deposited into the protocol. This stablecoin will add another layer of utility and liquidity to the Mutuum ecosystem and is expected to launch shortly after the platform’s beta release.

除了核心贷款和借贷功能外，该团队还准备引入一个本地的过度补充稳定的稳定性，并与美元挂钩，并直接由存储在协议中的资产来支持。这种稳定的币将为Mutuum生态系统增加另一层的实用性和流动性，并有望在平台的Beta版本发布后不久推出。

All of this is happening while the presale continues to attract attention. So far, over 6.3 million dollars has been raised, with more than 7,900 holders already securing their position. Each new phase in the presale brings a higher price, and with Phase 4 now underway, the next increase will push the token from $0.025 to $0.03—a 20% jump in price, making now one of the last chances to enter at this range.

当预售继续引起人们的关注时，所有这些都在发生。到目前为止，已经筹集了超过630万美元的资金，已经有7,900多个持有人确保了自己的立场。预售中的每个新阶段都会带来更高的价格，并且随着第四阶段的速度，下一个增长将使令牌从0.025美元提高到0.03美元，价格上涨了20％，现在是该范围内进入的最后机会之一。

What’s catching investor attention is the expected upside shortly after listing. Analysts are projecting MUTM to reach $0.35 in its early post-launch phase. Based on that projection, a $1,000 investment at today’s $0.025 price would secure 40,000 tokens. Once the token reaches $0.35, that same holding would be worth $14,000. That’s a 14x return—driven not by hype, but by a clear roadmap, growing demand, and platform utility.

在上市后不久，人们会引起投资者的关注。分析师预计MUTM在发出早期启动阶段的$ 0.35。基于这一预测，今天以0.025美元的价格进行了1,000美元的投资将获得40,000个令牌。一旦令牌达到0.35美元，同样的股份将价值14,000美元。这是14倍的回报 - 不是由大肆宣传，而是由清晰的路线图，需求不断增长和平台实用程序驱动。

Mutuum Finance is also finalizing a Certik audit to strengthen investor confidence and is preparing to roll out its beta platform alongside the token listing. The coordinated launch of both product and token ensures users will have something tangible to engage with from day one, not months down the line.

Mutuum Finance还正在敲定Certik审核，以增强投资者的信心，并准备在代币上市旁边推出其Beta平台。产品和代币的协调推出确保用户将有一些有形的东西可以从第一天开始，而不是在线几个月。

As more traders begin to rotate capital away from stagnant projects and into assets with room to grow, MUTM is making a strong case for inclusion in long-term portfolios. It’s still early, but the fundamentals are in place, the momentum is building, and the opportunity to buy before the market fully wakes up is still on the table—for now.

随着越来越多的贸易商开始将资本从停滞的项目中旋转并带入带有生长空间的资产，MUTM为将长期投资组合纳入了有力的理由。现在还很早，但是基本面已经到位，势头正在建立，并且在市场完全醒来之前购买的机会仍然在桌上。