随着市场转向链交易解决方案，许多分散项目已经出现。

其中最新的是Mutuum Finance。根据其白皮书的说法，Mutuum Finance的目标是为用户提供贷款人，借款人和清算人的途径。

The market has seen a surge in on-chain trading solutions, leading to the emergence of many decentralized projects. Among them is Mutuum Finance, a decentralized and non-custodial liquidity protocol. Its aim, as stated in its whitepaper, is to provide an avenue for users to act as lenders, borrowers, and liquidators.

市场已经看到链交易解决方案激增，导致许多分散项目的出现。其中包括Mutuum Finance，这是一种分散且非监测流动性方案。如白皮书所述，其目的是为用户提供贷方，借款人和清算人的途径。

Currently in the second stage of its presale, the project has already raised approximately $2.5 million. But is the Mutuum Finance coin a good buy?

该项目目前处于预售的第二阶段，已经筹集了约250万美元。但是Mutuum Finance硬币是好购买吗？

Mutuum Finance Summary

Mutuum Finance摘要

Mutuum Finance is a decentralized platform where users can borrow and lend various digital assets via pool-based (P2C) and direct (P2P) models.

Mutuum Finance是一个分散的平台，用户可以通过池基（P2C）和Direct（P2P）模型借入和借用各种数字资产。

The major goal is to connect lenders looking to put their assets to best use and borrowers scouting for overcollateralized loans. Lenders contribute to the liquidity of the ecosystem by constantly depositing their crypto assets, and in return, they earn interest.

主要目标是将希望将其资产最佳利用的贷方联系起来，并借款人搜索过度贷款。贷方通过不断存放加密货币资产来为生态系统的流动性做出贡献，作为回报，他们赢得了利息。

Borrowers, on the other hand, will be able to access the deposited funds by providing sufficient collateral. To ensure that liquidity remains accessible at all times, Mutuum Finance says it will ensure that lenders’ yields complement borrowers’ interest payments.

另一方面，借款人将能够通过提供足够的抵押品来获得存款资金。为了确保流动性始终可以访问，Mutuum Finance表示将确保贷方的收益率补充借款人的利息支付。

Moreover, interest rates will be adjusted from time to time to align with market conditions, ensuring a dynamic reward structure for lenders and sufficient on-chain liquidity for borrowers.

此外，利率将不时调整以与市场条件保持一致，确保贷方的动态奖励结构，并为借款人提供足够的链子流动性。

Mutuum Finance will employ a deposit-token mechanism for those who supply assets to its liquidity pools, minting “mtTokens” at a nominal ratio to the deposited assets.

Mutuum Finance将为那些向其流动性池提供资产的人采用存款机制，以标称的比率与存款资产造成“ mttokens”。

Lenders hold “mtTokens” until the maturity date of the loans given to borrowers arrives, after which they can now exchange the tokens back for the corresponding amount of the underlying asset.

贷款人持有“ mttokens”，直到给借款人的贷款到期日期，之后他们可以将令牌交换为基础资产的相应金额。

To drive more liquidity to the ecosystem and incentivize both borrowers and lenders, Mutuum Finance says it has designed a native currency dubbed MUTM.

为了使生态系统的流动性更多，并激励借款人和贷方，Mutuum Finance表示，它设计了一种被称为MUTM的原始货币。

MUTM Tokenomics

mutm tokenomics

MUTM, according to its whitepaper, has a total supply of 4 billion tokens. They are distributed as follows:

根据其白皮书，MUTM的总供应量为40亿个令牌。它们分布如下：

Mutuum Finance Roadmap

借款人财务路线图

Mutuum Finance’s roadmap has been segmented into four stages:

Mutuum Finance的路线图已分为四个阶段：

Phase 1 — Introducing Mutuum

第1阶段 - 介绍借款人

This phase is concerned with the initiation of the token presale, launch of marketing campaigns, audit of smart contracts, formation of legal compliance team, and many more.

这个阶段涉及启动令牌预售的启动，营销活动的启动，智能合同的审核，法律合规团队的成立等等。

Phase 2 — Building Mutuum

第2阶段 - 建筑Mutuum

In this phase, the focus will be on implementing Back-End infrastructure setup, advanced analytical tools, risk parameters, code reviews, and DApp Front-End.

在此阶段，重点将放在实施后端基础架构设置，高级分析工具，风险参数，代码评论和DAPP前端。

Phase 3 — Finalizing Mutuum

第三阶段 - 最终确定mutuum

This phase is where the token presale will be concluded, beta testing on the Demo version of the platform testnet will be initiated, and exchange listings will be carried out.

该阶段是将要结束的令牌预售的地方，将启动对平台测试网络的演示版本的Beta测试，并将执行交换列表。

Phase 4 — Delivering Mutuum

第4阶段 - 交付借款人

This is the final stage of Mutuum’s roadmap, which will see the platform go live, and other important initiatives like multichain expansion, bug bounty, and strategic partnerships implemented.

这是Mutuum路线图的最后阶段，该路线图将使平台上线，以及其他重要的举措，例如实施的多键扩展，漏洞赏金和战略合作伙伴关系。

Mutuum Finance Price Prediction

借款人财务价格预测

Mutuum Finance recently arrived on presale and has gained considerable interest, raising close to $2.5 million from early investors. The presale, according to its whitepaper, will run across eleven stages, with $0.6 as its possible listing price.

Mutuum Finance最近到达了Presale，并引起了极大的兴趣，从早期投资者那里筹集了近250万美元。根据其白皮书，预售将跨越11个阶段，其可能的上市价格为0.6美元。

However, while its use cases are impressive, the project has yet to reveal when it will fully roll out all the plans highlighted in its roadmap. Based on these factors, here is a complete analysis of MUTM’s potential:

但是，尽管其用例令人印象深刻，但该项目尚未揭示其何时将其路线图中突出显示的所有计划。基于这些因素，这是对MUTM潜力的完整分析：

Short-Term

短期

The first factor that will influence the price action of MUTM in the short-term is the eventual performance of its presale. While the presale is still in its early phase, with only a stage fully completed at press time, Mutuum Finance’s goal is to complete the sale of the allocated 1.82 billion tokens before preparing for DEX launch.

在短期内影响MUTM价格行动的第一个因素是其预售的最终表现。虽然预售仍处于早期阶段，但在发稿时只有一个阶段完全完成，但Mutuum Finance的目标是在准备DEX推出之前完成分配的18.2亿代币的出售。

How soon it is able to achieve this target will determine the degree of pump it will see after listing on exchanges.

它能够多久能够实现此目标，将确定在交换上列出的泵的程度。

Another crucial factor to consider is the overall market dynamics. In the event that the market remains bullish by the time the project completes its presale, it may ride the wave to increase in price. A bearish market outlook, on the other hand, may result in repeated downward movement for MUTM.

要考虑的另一个关键因素是整体市场动态。如果到项目完成预售时市场仍然看涨，它可能会乘波动以提高价格。另一方面，看跌的市场前景可能会导致MUTM反复向下移动。

Long-Term

长期

Mutuum Finance’s performance in the long run will depend on how soon it is able to implement the plans highlighted in its roadmap. If the platform features are up and running as early as possible, it can help the project gain more attention from the crypto community, particularly those enthusiastic about decentralized lending and borrowing.

从长远来看，Mutuum Finance的表现将取决于其能够在路线图中强调的计划的时间。如果平台功能尽早启动并运行，它可以帮助该项目从加密货币社区（尤其是那些热衷于分散贷款和借贷的人）中获得更多关注。

Building a loyal community and improving user experience through regular updates will also be crucial, allowing the MUTM price to see a steady rise in value. However, failure to deliver on the roadmap and integrate many innovative features could lead to stagnation, potentially sending the project into obscurity.

建立忠实的社区并通过定期更新改善用户体验也将是至关重要的，从而使MUTM价格看到价值的稳定上涨。但是，未能在路线图上交付并整合许多创新功能可能会导致停滞，从而使该项目变得晦涩难懂。

Should Investors Buy MUTM Token On Presale?

投资者应该在预售上购买MUTM令牌吗？