Mutuum Finance（MUTM）：下一代Defi协议重新定义贷款和借贷

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。

In a crypto market that's gradually rebuilding momentum, investors are once again looking for high-upside assets that offer more than just hype. In this environment, early-stage tokens with real utility and well-structured tokenomics are beginning to take center stage.

在逐渐重建势头的加密市场中，投资者再次在寻找不仅提供炒作的高级资产。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。

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 isn't 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并不是另一个复制案例defi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。

Mutuum Finance (MUTM)

死亡金融（MUTM）

The current presale price of $0.025 isn't just attractive—it's time-sensitive. With over 8,100 holders already on board and more than $6.5 million raised, the demand 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.

目前的预售价格为0.025美元不仅有吸引力 - 时间敏感。已经有超过8,100个持有人，并且筹集了超过650万美元，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。

Dual Lending Models: P2C and P2P

双贷款模型：P2C和P2P

What truly sets Mutuum apart is its hybrid approach to DeFi lending. In the Peer-to-Contract (P2C) model, users deposit assets into a shared liquidity pool. Borrowers can access these funds by providing overcollateralized assets, and interest rates adjust automatically based on pool utilization. Lenders earn passive income through this system, and all transactions are handled transparently by smart contracts.

真正使Mutuum与众不同的是其混合贷款方法。在PEER-TO-CONTRACT（P2C）模型中，用户将资产存入共享流动性池中。借款人可以通过提供过度补偿资产来访问这些资金，并根据池利用率自动调整利率。贷方通过该系统赚取被动收入，所有交易均由智能合约透明地处理。

The Peer-to-Peer (P2P) model, on the other hand, introduces a more flexible option. Instead of relying on a shared pool, users can directly negotiate lending terms with others. This opens up opportunities for assets that don't qualify under traditional models—like meme coins or highly volatile tokens. For example, borrowers holding Shiba Inu (SHIB) or Pepe (PEPE) can use these tokens as collateral in custom P2P agreements, enabling them to access liquidity without having to convert or sell.

另一方面，点对点（P2P）模型引入了更灵活的选项。用户可以与他人直接协商贷款条款，而不是依靠共享池。这为不符合传统模型的资产（例如模因硬币或高度挥发性令牌）的资产打开了机会。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，从而使他们能够访问流动性而无需转换或出售。

This dual system gives users a choice: the stability of pooled lending through P2C or the customization and asset flexibility of P2P. Few protocols offer both in a single ecosystem, which is part of why Mutuum is gaining traction.

该双重系统为用户提供了选择：通过P2C或P2P的自定义和资产灵活性的合并贷款的稳定性。很少有协议在单个生态系统中提供，这是Mutuum受到关注的部分原因。

Interest Accrual and mtTokens

兴趣应计和mttokens

Unlike protocols that rely on token inflation or high-risk staking loops, Mutuum is designed to generate real yield through actual usage. When users deposit assets, they receive mtTokens, which represent their deposit and increase in redeemable value as interest accrues. These mtTokens can be held, transferred, or used in other DeFi applications—making them both functional and yield-generating.

与依靠代币通货膨胀或高风险蓄积循环的协议不同，Mutuum旨在通过实际使用来产生实际产量。当用户存入资产时，他们会收到mttokens，这代表了他们的存款，并随着利息而增加了可赎回价值。这些mttokens可以在其他Fefi应用中持有，转移或使用，以使它们具有功能性和产生产生。

In addition, 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。

Conclusion

结论

Mutuum's momentum hasn't come from viral tweets or celebrity endorsements. It's come from consistent progress, community growth, and a clearly structured presale that makes sense for early participants. The team has also announced an upcoming CertiK audit, further reinforcing its commitment to security. With more than 8,100 users already invested, the protocol is gaining serious attention without needing to rely on noise.

Mutuum的势头并非来自病毒推文或名人代言。它来自一致的进步，社区成长以及对早期参与者有意义的明确的预售。该团队还宣布了即将进行的Certik审计，进一步加强了其对安全性的承诺。由于已经投资了8,100多名用户，该协议正在引起严重的关注，而无需依靠噪音。

In short, it's the kind of project that tends to perform well once the wider market catches on—offering practical features, real use cases, and an economic model that benefits long-term holders.

简而言之，这是一旦更广泛的市场捕捉到的项目，它倾向于表现出色，可以提供实用的特征，实际用例和使长期持有人受益的经济模型。

For anyone wondering what crypto to invest in right now, Mutuum Finance deserves a closer look. It's still early, it's priced at $0.025, and it's delivering on the types of innovations that matter in a DeFi space that's become increasingly wary of overpromised returns. 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

对于任何想知道立即投资的加密货币的人来说，Mutuum Finance都应该更加仔细。它还在早期，价格为0.025美元，并且正在交付在越来越多的空间中变得越来越警惕过度促进回报的创新类型。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。它正在成型为年度最全面的Defi条目之一，价格为0.025美元，窗户可以提早进入