在Beta平台发布之前，Mutuum Finance（MUTM）超过了8,100个持有人和Certik Audit

在一个通常以夸张的代币和回收叙事为主导的市场中，很少有人在发布之前稳步发展其社区 - 没有媒体噪音或影响者驱动的价格峰值。

In a market often blitzed by overhyped tokens and recycled narratives, it’s rare to see a DeFi project steadily grow its community before launch—without media blitzes or influencer-driven price spikes. Yet, Mutuum Finance (MUTM) is doing exactly that. The protocol just crossed 8,100 on-chain holders—a milestone signaling quiet but strong interest from long-term participants. With its presale moving rapidly and price locked at $0.025, many investors are starting to look at MUTM as a serious contender for 2025’s next crypto to explode.

在一个经常受到夸张的代币和回收叙事而闪闪发光的市场中，很少有人在发布之前稳步发展其社区，而没有媒体闪电或有影响力的人驱动的价格峰值。然而，Mutuum Finance（MUTM）正是这样做的。该协议刚刚越过8,100个链持有人，这是一个里程碑，这是一个安静的信号，但长期参与者的浓厚兴趣。由于其预售迅速移动，价格锁定为0.025美元，许多投资者开始将MUTM视为2025年下一次加密货币的认真竞争者。

What makes this especially interesting isn’t just the holder count—it’s the timing. Mutuum is preparing for several major steps, including the launch of its beta platform and a full smart contract audit by CertiK, one of the most recognized names in blockchain security. This combination of adoption and accountability is turning heads.

使这一点特别有趣的不仅仅是持有人的数量，而是时机。 Mutuum正在准备几个主要步骤，包括启动其Beta平台和Certik的完整智能合同审核，Certik是区块链安全中最知名的名称之一。这种采用和问责制的结合正在转向责任。

Mutuum Finance (MUTM)

死亡金融（MUTM）

Mutuum Finance is a decentralized lending and borrowing protocol designed to address one of the most pressing needs in crypto: efficient, non-custodial access to capital. Rather than using a closed or overly complex system, Mutuum allows users to deposit assets into smart contracts and earn passive income through interest-bearing mtTokens.

Mutuum Finance是一种分散的贷款和借款方案，旨在满足加密货币中最紧迫的需求之一：高效，非监测的资本访问。 Mutuum不使用封闭或过于复杂的系统，而是允许用户将资产存入智能合约，并通过承担利息的mttokens赚取被动收入。

These mtTokens aren’t placeholders; they reflect real-time yield. As others borrow from the protocol, interest is automatically accrued to the mtTokens without users needing to stake, lock, or manage anything manually. It’s passive income designed for simplicity and scale, giving users complete control over their funds at all times.

这些mttokens不是占位符；它们反映了实时收率。当其他人从协议中借来的情况下，MTTOKENS会自动产生利息，而无需用户手动施加，锁定或管理任何内容。它是为简单和规模而设计的被动收入，始终为用户提供对资金的完全控制。

Borrowers, meanwhile, use overcollateralized positions to access liquidity without having to sell their assets. It’s a model that fits well into the habits of both retail and whale investors, especially in bullish markets where holding core assets like ETH or stablecoins can lead to stronger long-term gains.

同时，借款人使用过度补偿职位来获得流动性，而不必出售其资产。这是一个非常适合零售和鲸鱼投资者的习惯，尤其是在持有ETH或Stablecoins等核心资产的看涨市场中，可以带来更大的长期增长。

The early interest in Mutuum is backed by real numbers. The project has raised over $6.5 million so far during its presale, with participation from a mix of DeFi veterans and newer investors who recognize value early. While other tokens chase listing announcements before building anything, Mutuum has focused on fundamentals.

对Mutuum的早期兴趣得到了实数的支持。该项目迄今已在预售期间筹集了超过650万美元的筹集资金，来自Defi退伍军人和较新的投资者的参与，他们早期认识价值。尽管其他代币追逐在构建任何内容之前公告，但Mutuum还是专注于基本面。

Crossing the 8K holder mark during presale alone is a major signal. It shows that investors aren’t just buying in—they’re holding on. This kind of retention is often seen in tokens with long-term appeal, not quick-flip narratives. The price is expected to move up to $0.03 in the next phase, and the public launch is confirmed at $0.06, which already gives today’s buyers a 2.4x upside. But for many, it’s not just about the price—it’s about what comes next.

仅在预售期间越过8K支架标记是一个主要信号。它表明投资者不仅在购买，而且还坚持不懈。这种保留经常在具有长期吸引力的令牌中可以看到，而不是快速弹性的叙述。预计下一阶段的价格将上涨0.03美元，公众发布的价格为0.06美元，这已经使当今的买家上涨了2.4倍。但是对于许多人来说，这不仅仅是价格，而是接下来要发生的事情。

One of the most critical elements for any DeFi protocol is smart contract security, and Mutuum is taking it seriously. The team has officially announced an upcoming audit by CertiK, a trusted name that has reviewed some of the largest projects in the crypto space. This audit will ensure that the protocol’s smart contracts meet strict safety standards, further reinforcing investor trust before the token launches on exchanges.

对于任何DEFI协议来说，最关键的要素之一是智能合同安全，Mutuum正在认真对待它。该团队已正式宣布了Certik即将进行的审计，Certik是一个值得信赖的名字，审查了加密货币领域中一些最大的项目。该审核将确保该协议的智能合约符合严格的安全标准，并在代币启动交易所之前进一步加强投资者信任。

This is a step that sets Mutuum apart in an industry that’s sadly seen an uptick in scams and rug pulls. The inclusion of CertiK at this stage adds credibility—not just to the codebase but to the project’s long-term commitment to doing things right.

这是一个在一个行业中脱颖而出的一步，令人遗憾地看到了骗局和地毯拉力的上升。在此阶段，Certik的包含增加了信誉 - 不仅是在代码库中，而是对项目对正确做事的长期承诺。

MUTM isn’t just a governance token or a speculative asset—it’s a part of the protocol’s economic engine. A portion of Mutuum’s platform revenue is set aside to buy MUTM tokens on the open market, which are then redistributed to users who hold mtTokens. This means that long-term contributors aren’t just earning interest—they’re also receiving added value through recurring token distributions tied to real platform activity.

MUTM不仅是治理令牌或投机资产，而且是该协议经济引擎的一部分。 Mutuum平台收入的一部分被放在一边购买公开市场上的MUTM令牌，然后将其重新分配给持有mttokens的用户。这意味着长期贡献者不仅会赚取利息，而且还通过与真实平台活动相关的代币分布获得附加的价值。

This model connects demand for the token with the actual use of the protocol. It’s not driven by hype but by engagement—and that’s exactly the kind of structure long-term investors tend to look for.

该模型将对令牌的需求与协议的实际使用联系起来。它不是由炒作驱动的，而是由参与驱动的，而这正是长期投资者倾向于寻找的结构。

Mutuum Finance is still early, and it’s priced like it. But unlike many presale tokens that struggle to justify their valuations, MUTM has already proven it has a real foundation: utility, a working model, community growth, and third-party validation through its upcoming CertiK audit.

Mutuum Finance还很早，而且价格也像它一样。但是，与许多难以证明其估值合理的预售代币不同，MUTM已经证明了它具有真正的基础：实用程序，工作模式，社区成长和第三方验证，其即将进行的Certik审计。

For those asking what’s next in DeFi—and which project might quietly lead the next wave—Mutuum is worth serious attention. It’s an underrated protocol with momentum, a clear vision, and now, over 8,000 holders who seem to agree. Whether you’re looking for smart passive yield, exposure to early-stage DeFi, or just the best crypto coin to buy before 2025 heats up, MUTM may be one of the best options on the table right now.

对于那些询问Defi的下一步以及哪个项目可能会悄悄带领下一波浪潮的人来说，Mutuum值得引起严重的关注。这是一个被低估的协议，具有动力，清晰的愿景，现在似乎有8,000多个同意的持有人。无论您是寻找智能的被动收益率，暴露于早期Defi，还是在2025年加热之前购买的最佳加密硬币，MUTM都可能是目前桌上最好的选择之一。