As the crypto market matures, many investors question the viability of passive income strategies in 2025. Despite challenges posed by shifting market dynamics to traditional staking and yield farming, new opportunities continue to emerge.

隨著加密貨幣市場的成熟，許多投資者質疑2025年被動收入策略的可行性。儘管將市場動態轉移到傳統的積分和產量耕作方面帶來了挑戰，但新的機會仍在繼續。

Mutuum Finance (MUTM) demonstrates that passive income in crypto remains robust. Through its decentralized lending protocol, users earn rewards by providing liquidity, while borrowers access funds without selling their assets. As the project progresses through its presale, investors recognize its potential for sustainable long-term earnings.

Mutuum Finance（MUTM）表明，加密貨幣中的被動收入仍然強大。通過其分散的貸款協議，用戶通過提供流動性來獲得獎勵，而藉款人在不出售其資產的情況下獲得資金。隨著項目通過預售的發展，投資者認識到其可持續的長期收益潛力。

Understanding Mutuum Finance (MUTM)

了解Mutuum Finance（MUTM）

Mutuum Finance (MUTM) is a decentralized lending protocol facilitating secure and efficient ways to generate passive income via liquidity provision. Unlike traditional finance, where banks and intermediaries control lending, Mutuum enables users to lend and borrow crypto assets directly on the blockchain. This system offers opportunities for lenders seeking steady returns and borrowers seeking liquidity without selling their holdings.

Mutuum Finance（MUTM）是一種分散的貸款方案，可促進安全有效的方式通過流動性提供產生被動收入。與傳統金融（銀行和中介機構控制貸款）不同，Mutuum使用戶能夠直接在區塊鏈上借出和借用加密資產。該系統為尋求穩定回報的貸方提供了機會，並在不出售其股份的情況下尋求流動性的借款人。

Mutuum Finance employs two lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P).

Mutuum Finance採用了兩種貸款模型：對等合同（P2C）和點對點（P2P）。

P2C (Peer-to-Contract): Lenders deposit assets into shared liquidity pools; borrowers access funds by providing collateral. Interest rates adjust dynamically based on pool utilization, ensuring stable yields for suppliers.
P2P (Peer-to-Peer): This model allows users to negotiate loan terms directly, setting their own interest rates and repayment schedules. It is particularly useful for assets not commonly supported in standard lending pools, such as Dogecoin (DOGE) or Shiba Inu (SHIB).

P2C（PEER-CONTRACT）：貸款人將資產存入共享流動性池中；借款人通過提供抵押品來獲得資金。利率根據池利用率動態調整，確保供應商的穩定收益率。P2P（PEER-PEER）：此模型允許用戶直接協商貸款條款，設置自己的利率和還款時間表。它對於在標準貸款池中不受歡迎的資產（例如Dogecoin（Doge）或Shiba Inu（Shib））特別有用。

Both models allow users to earn passive income by providing liquidity. Interest generated by borrowers contributes to lenders' returns. This flexibility empowers investors to select the lending structure that aligns with their strategy.

兩種模型都允許用戶通過提供流動性來賺取被動收入。借款人產生的利息為貸方的回報做出了貢獻。這種靈活性使投資者有能力選擇與其戰略保持一致的貸款結構。

Mutuum Finance will undergo an audit by a renowned blockchain security firm to guarantee the security and reliability of its smart contracts. The audit will thoroughly assess the protocol's code, identifying and addressing any potential vulnerabilities before platform launch.

Mutuum Finance將接受一家著名區塊鏈安全公司的審核，以確保其智能合約的安全性和可靠性。審核將徹底評估協議的代碼，在平台啟動之前識別和解決任何潛在的漏洞。

A verified audit instills investor confidence, mitigates security risks, and fosters trust in the lending and borrowing system. By prioritizing security, Mutuum Finance aims to provide a safe and transparent environment for users to engage in decentralized finance.

經過驗證的審計灌輸了投資者的信心，減輕了安全風險，並促進了對貸款和借貸系統的信任。通過確定安全性，Mutuum Finance旨在為用戶提供一個安全透明的環境，以便進行分散的財務。

mtTokens, interest-bearing tokens representing user deposits in Mutuum Finance's liquidity pools, will be issued. When users provide assets such as USDT or ETH, they receive mtTokens (e.g., mtUSDT or mtETH) in return. These tokens automatically accrue interest as borrowers pay fees, enabling suppliers to accumulate holdings passively.

將發行代表Mutuum Finance流動性池中用戶存款的息股份令牌Mttokens。當用戶提供諸如USDT或ETH之類的資產時，他們會收到mttokens（例如mtusdt或mteth）。這些代幣會自動產生利息，因為藉款人支付費用，使供應商能夠被動地積累持股。

As mtTokens are ERC20-compliant, they can be transferred or integrated into other DeFi applications while continuing to earn yield. For instance, if a user deposits 5,000 USDT into the lending pool, they will receive an equivalent amount of mtUSDT. As borrowers repay their loans with interest, the supplier's mtUSDT balance appreciates, allowing them to withdraw more USDT than initially deposited. This system ensures lenders earn passive income while maintaining liquidity accessibility for borrowers within the Mutuum Finance ecosystem.

由於mttokens符合ERC20，因此可以將它們轉移或集成到其他Defi應用程序中，同時繼續賺取收益。例如，如果用戶將5,000美元存入貸款池，他們將獲得同等數量的MTUSDT。當借款人以利息償還貸款時，供應商的MTUSDT餘額表示讚賞，使他們撤回超過最初存款的USDT。該系統可確保貸方在Mutuum Finance生態系統內的借款人的流動性可及性，同時賺取被動收入。

To sustain long-term token demand, the team is implementing a buy-and-distribute mechanism. A portion of the platform's revenue will be utilized to repurchase MUTM tokens from the open market, creating continuous buy pressure. These tokens will then be distributed as rewards to mtToken stakers, incentivizing long-term participation. This process benefits active users and maintains healthy demand for MUTM, contributing to price stability and potential growth over time.

為了維持長期的代幣需求，該團隊正在實施購買和分佈機制。該平台收入的一部分將用於從公開市場上回購MUTM令牌，從而造成不斷的購買壓力。然後將這些令牌作為獎勵分發給mttoken Stakers，從而激勵長期參與。此過程使活躍的用戶受益，並保持對MUTM的健康需求，從而有助於價格穩定和隨著時間的推移潛在的增長。

Beyond lending, Mutuum Finance is developing an overcollateralized stablecoin backed by collateral supplied within the platform. Unlike centralized stablecoins dependent on reserves managed by third parties, Mutuum's stablecoin is fully supported by on-chain assets. This ensures transparency, stability, and decentralization, providing borrowers with a secure option and strengthening the platform's ecosystem.

除了貸款之外，Mutuum Finance還開發了一個由平台內提供的附帶的穩定的穩定穩定性。與依賴於第三方管理的儲量的集中式穩定劑不同，Mutuum的Stablecoin受到鏈上資產的完全支持。這樣可以確保透明度，穩定性和權力下放化，從而為藉款人提供安全的選擇並加強平台的生態系統。

As these features are being developed, Mutuum Finance's native token, MUTM, is currently in its presale stage at a price of $0.015. The initial presale phase sold out in under two weeks, raising $1.2 million and attracting over 2,450 holders. With 11 presale phases in total, early investors can secure MUTM at a favorable price before it enters the market.

隨著這些功能的發展，Mutuum Finance的原始令牌MUTM目前處於預售階段，價格為0.015美元。最初的預售階段在不到兩週的時間內就售罄，籌集了120萬美元，並吸引了2,450多個持有人。共有11個預售階段，早期投資者可以在進入市場之前以優惠的價格獲得MUTM。

With its robust lending system, stablecoin integration, and impressive presale progress, Mutuum Finance is establishing itself as a promising platform for passive income in crypto, empowering investors to earn without relying solely on traditional staking or farming models.

憑藉其強大的貸款制度，穩定的整合和令人印象深刻的預付進展，Mutuum Finance正在將自己確立為加密貨幣中被動收入的有前途的平台，使投資者有能力賺錢而不僅僅依賴傳統的陳舊或農業模式。