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.

随着加密货币市场的成熟，许多投资者质疑2025年被动收入策略的可行性。尽管将市场动态转移到传统的积分和产量耕作方面带来了挑战，但新的机会仍在继续。

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，加密货币中的被动收入仍然强大。通过其分散的贷款协议，用户通过提供流动性来获得奖励，而借款人在不出售其资产的情况下获得资金。随着项目通过预售的发展，投资者认识到其可持续的长期收益潜力。

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）是一种分散的贷款方案，可促进安全有效的方式通过流动性提供产生被动收入。与传统金融（银行和中介机构控制贷款）不同，Mutuum使用户能够直接在区块链上借出和借用加密资产。该系统为寻求稳定回报的贷方提供了机会，并在不出售其股份的情况下寻求流动性的借款人。

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

Mutuum Finance采用了两种贷款模型：对等合同（P2C）和点对点（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）：贷款人将资产存入共享流动性池中；借款人通过提供抵押品来获得资金。利率根据池利用率动态调整，确保供应商的稳定收益率。P2P（PEER-PEER）：此模型允许用户直接协商贷款条款，设置自己的利率和还款时间表。它对于在标准贷款池中不受欢迎的资产（例如Dogecoin（Doge）或Shiba Inu（Shib））特别有用。

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.

两种模型都允许用户通过提供流动性来赚取被动收入。借款人产生的利息为贷方的回报做出了贡献。这种灵活性使投资者有能力选择与其战略保持一致的贷款结构。

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将接受一家著名区块链安全公司的审核，以确保其智能合约的安全性和可靠性。审核将彻底评估协议的代码，在平台启动之前识别和解决任何潜在的漏洞。

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.

经过验证的审计灌输了投资者的信心，减轻了安全风险，并促进了对贷款和借贷系统的信任。通过确定安全性，Mutuum Finance旨在为用户提供一个安全透明的环境，以便进行分散的财务。

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.

将发行代表Mutuum Finance流动性池中用户存款的息股份令牌Mttokens。当用户提供诸如USDT或ETH之类的资产时，他们会收到mttokens（例如mtusdt或mteth）。这些代币会自动产生利息，因为借款人支付费用，使供应商能够被动地积累持股。

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.

由于mttokens符合ERC20，因此可以将它们转移或集成到其他Defi应用程序中，同时继续赚取收益。例如，如果用户将5,000美元存入贷款池，他们将获得同等数量的MTUSDT。当借款人以利息偿还贷款时，供应商的MTUSDT余额表示赞赏，使他们撤回超过最初存款的USDT。该系统可确保贷方在Mutuum Finance生态系统内的借款人的流动性可及性，同时赚取被动收入。

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.

为了维持长期的代币需求，该团队正在实施购买和分布机制。该平台收入的一部分将用于从公开市场上回购MUTM令牌，从而造成不断的购买压力。然后将这些令牌作为奖励分发给mttoken Stakers，从而激励长期参与。此过程使活跃的用户受益，并保持对MUTM的健康需求，从而有助于价格稳定和随着时间的推移潜在的增长。

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.

除了贷款之外，Mutuum Finance还开发了一个由平台内提供的附带的稳定的稳定稳定性。与依赖于第三方管理的储量的集中式稳定剂不同，Mutuum的Stablecoin受到链上资产的完全支持。这样可以确保透明度，稳定性和权力下放化，从而为借款人提供安全的选择并加强平台的生态系统。

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.

随着这些功能的发展，Mutuum Finance的原始令牌MUTM目前处于预售阶段，价格为0.015美元。最初的预售阶段在不到两周的时间内就售罄，筹集了120万美元，并吸引了2,450多个持有人。共有11个预售阶段，早期投资者可以在进入市场之前以优惠的价格获得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.

凭借其强大的贷款制度，稳定的整合和令人印象深刻的预付进展，Mutuum Finance正在将自己确立为加密货币中被动收入的有前途的平台，使投资者有能力赚钱而不仅仅依赖传统的陈旧或农业模式。