Mutuum Finance（MUTM）准备使用其创新平台破坏贷款和借贷市场

随着加密货币市场的发展，投资者正在超越炒作驱动的资产，并专注于现实世界实用程序的项目。两个令牌引起人们的注意，原因是Mutuum Finance（MUTM）和Shiba INU（SHIB）。

In the dynamic landscape of crypto investing in 2025, investors are increasingly turning their attention to projects that offer real-world utility over hype-driven assets. Two tokens that have been entering the sphere of investors’ interest for very different reasons are Mutuum Finance (MUTM) and Shiba Inu (SHIB).

在2025年加密货币投资的动态景观中，投资者越来越多地将注意力转向提供对炒作驱动资产的现实世界实用程序的项目。出于截然不同的原因，已经进入投资者利益领域的两个令牌是Mutuum Finance（MUTM）和Shiba Inu（Shib）。

While SHIB, a leading meme coin, is known for its strong community and viral presence, MUTM is emerging as a structured decentralized finance (DeFi) platform, presenting lending and borrowing solutions.

虽然领先的模因硬币Shib以其强大的社区和病毒式存在而闻名，但MutM却成为一个结构化的分散融资（DEFI）平台，展示了贷款和借贷解决方案。

With the adoption of DeFi services rapidly increasing, many investors feel that Mutuum Finance has a stronger foundation for long-term growth, as it offers a functional financial model. This is in comparison to Shiba Inu, which relies more on market speculation and hype.

随着DEFI服务的采用迅速增加，许多投资者认为Mutuum Finance为长期增长而言具有更强的基础，因为它提供了功能性的财务模型。这与志愿INU相比，这更多地依赖于市场投机和炒作。

As 2025 approaches, a key question on the minds of many is: will utility-focused projects like MUTM outperform meme-driven tokens like SHIB, or will hype continue to dominate the market in the long run?

随着2025年的临近，许多人心目中的一个关键问题是：像MUTM这样的以公用事业为中心的项目胜过模因驱动的代币，或者像Shib这样的shib，还是从长远来看会继续统治市场？

Shiba Inu (SHIB)

什巴·伊努（Shiba Inu（Shib））

Introduced in 2020, Shiba Inu (SHIB) is a meme-based cryptocurrency that is built on the Ethereum network. Originally launched as an alt to Dogecoin (CRYPTO: DOGE), SHIB quickly gained popularity thanks to its strong community and viral marketing campaigns.

Shiba Inu（Shib）于2020年推出的是基于模因的加密货币，该加密货币是在以太坊网络上构建的。 Shib最初是作为Dogecoin（Crypto：Doge）的Alt推出的，由于其强大的社区和病毒营销活动，Shib迅速获得了知名度。

Along with its meme-driven origins, Shiba Inu has additional use cases, which include its own decentralized exchange (DEX), known as ShibaSwap, and a growing ecosystem of tokens.

除了其模因驱动的起源外，Shiba Inu还具有其他用例，其中包括其自身的分散交换（DEX），称为Shibaswap和日益增长的代币生态系统。

Despite being categorized as a meme coin, there has been an increasing focus on expanding SHIB’s utility and adoption. The token has been integrated into various payment systems, enabling merchants to accept it as a form of payment.

尽管被归类为模因硬币，但越来越重视扩大Shib的效用和采用。令牌已集成到各种支付系统中，使商人能够接受它作为付款方式。

Additionally, Shiba Inu is launching Shibarium, a Layer-2 solution to improve scalability and transaction efficiency.

此外，Shiba INU正在推出Shibarium，这是一种提高可扩展性和交易效率的第2层解决方案。

However, the majority of Shiba Inu’s market movements are driven by speculation, with price action being influenced by community hype, ‘whale’ activity, and the overall sentiment in the crypto market.

但是，大多数Shiba INU市场变动都是由投机驱动的，价格行动受社区炒作，“鲸鱼”活动以及加密货币市场的整体情感影响。

While it has built a very dedicated following, questions remain about its long-term viability compared to utility-driven projects like Mutuum Finance (MUTM), which is designed to offer real financial applications.

尽管它已经建立了非常敬业的追随者，但与公用事业驱动的项目（如Mutuum Finance（MUTM））相比，其长期生存能力仍然存在，该项目旨在提供实际的财务应用。

Mutuum Finance (MUTM)

死亡金融（MUTM）

While Shiba Inu has become a point of interest for its meme-driven appeal, Mutuum Finance (MUTM) is carving its path as a utility-based token, offering real-world financial applications through its decentralized lending platform.

尽管Shiba Inu已成为其模因驱动的上诉的一种关注点，但Mutuum Finance（MUTM）正在以基于公用事业为基础的代币进行道路，并通过其分散的贷款平台提供现实世界中的财务应用。

By providing a structured borrowing and lending system, MUTM allows users to earn passive income from their crypto or gain the ability to access liquidity without selling their assets. This utility sets it apart from speculative tokens, making it an attractive option for investors who prioritize long-term value over short-term hype.

通过提供结构化的借贷和贷款系统，MUTM允许用户从其加密货币中赚取被动收入，或者在不出售其资产的情况下获得流动性的能力。该公用事业公司将其与投机代币区分开来，使其成为优先考虑长期价值优先于短期炒作的投资者的有吸引力的选择。

Mutuum Finance is actively developing a dual lending model that will feature both peer-to-contract (P2C) and peer-to-peer (P2P) lending, providing users with greater flexibility in managing their assets. Once launched, this system will allow lenders to deposit assets into smart contract-based pools, earning competitive annual percentage yields (APYs) as a reward for supplying liquidity.

Mutuum Finance正在积极开发一个双重贷款模型，该模型将以同意（P2C）和点对点（P2P）贷款为特色，为用户提供更大的灵活性来管理其资产。推出后，该系统将允许贷方将资产存入基于智能合同的池中，从而赚取具有竞争力的年度百分比收益率（APY），以作为供应流动性的奖励。

Borrowers, in turn, will be able to use their crypto, such as Bitcoin (BTC) or ETH, as collateral to access funds at low rates, without needing to sell their holdings.

反过来，借款人将能够使用其加密货币（例如比特币（BTC）或ETH）作为较低利率获得资金的抵押品，而无需出售其持股。

Furthermore, the team is working on an overcollateralized stablecoin, designed to enhance liquidity and expand borrowing options within the ecosystem. This stablecoin will provide a stable and secure borrowing alternative, ensuring that users can maintain exposure to their assets while unlocking liquidity.

此外，该团队正在研究一个过度结合的Stablecoin，旨在提高流动性并扩大生态系统中的借贷选择。这种稳定的币将提供稳定且安全的借贷替代方案，以确保用户可以在解锁流动性的同时维持其资产的曝光率。

As these features continue to be developed, Mutuum Finance is positioning itself as a well-rounded lending and borrowing platform, bringing real utility to the decentralized finance (DeFi) space.

随着这些功能继续开发，Mutuum Finance将自己定位为一个全面的贷款和借贷平台，为去中心的财务（DEFI）空间带来了真正的实用性。

The MUTM presale has already raised over $2.2 million, with thousands of investors securing early positions. Currently in its second phase, the token is priced at $0.015, with demand accelerating as the next phase is set to introduce a 50% price increase.

MUTM Presale已经筹集了超过220万美元，成千上万的投资者确保了早期职位。该令牌目前处于第二阶段的价格，价格为0.015美元，随着下一阶段的价格将提高50％的价格，需求加速。

Analysts are placing Mutuum Finance for a surge of up to 2,000% shortly after the token’s launch, which is being attributed to strong early adoption, the token’s utility, and upcoming exchange listings.

分析师将在令牌发布后不久的2,000％的激增筹集了Mutuum Finance，这归因于早期采用，代币的实用程序和即将到来的交流清单。

A major factor behind this expected surge is the team’s plan to launch a beta version of the platform alongside the token’s launch. By making the lending and borrowing system accessible from day one, demand for MUTM is expected to increase rapidly, as investors and traders will be able to immediately engage with the token’s utility.

这次预期激增的一个主要因素是该团队计划在代币的发布会并启动该平台的Beta版本。通过使贷款和借贷系统从第一天起就可以访问，对MUTM的需求将迅速增加，因为投资者和交易者将能够立即与代币的公用事业互动。

This immediate functionality will not only attract new users but also strengthen the token’s market position, further fueling price growth in the early stages after launch.

这种直接的功能不仅会吸引新用户，而且还可以增强代币的市场地位，从而进一步加剧了发射后早期的价格上涨。

For an investor who secures $1,500 worth of MUTM at

对于一个获得价值1,500美元的MUTM的投资者