Kodi ma stablecoins ndi chiyani, amatetezedwa bwanji ndipo ndiyenera kuyikamo ndalama mu 2024

Kodi ma stablecoins ndi chiyani, ndi chiyani, amagwira ntchito bwanji komanso amatetezedwa bwanji, ndipo ndiyenera kuwagula mu 2022, ndi zoopsa zotani kwa wogulitsa ndalama. Katundu wa Cryptocurrency akutchuka chaka chilichonse. Zizindikiro zatsopano zowonjezereka zikuwonekera, kuphatikizapo stablecoins. Iwo akwanitsa kale kugonjetsa gawo lalikulu la msika wa cryptocurrency, popeza ali ndi ubwino wambiri, chinthu chachikulu ndicho chitetezo cha ndalama kuchokera ku kusasunthika komwe chuma chilichonse cha crypto chilipo. Nkhaniyi ifotokoza za stablecoins.

Kodi stablecoin ndi chiyani m’mawu osavuta

Vuto lalikulu la chuma cha cryptocurrency kwa iwo omwe amagwiritsa ntchito zizindikiro monga ndalama ndi
kusakhazikika kosalamulirika . Kusinthasintha kwa mtengo wandalama woyamba padziko lapansi mobwerezabwereza kunadutsa madola masauzande ambiri ndikugwera pansi pa khumi ndi awiri pambuyo pa chiwongola dzanja cha $ 67,000. Stablecoin imathetsa vuto la kusakhazikika, popeza mtengo wa ndalama zotere umamangiriridwa mwachindunji ku ndalama za fiat kapena katundu wakuthupi. Poyamba, ikhoza kukhala dola ya US, ndipo yachiwiri, golide. Komabe, pali ma stablecoins, omwe mtengo wake umatsimikiziridwa pang’ono kapena kwathunthu ndi mtengo wamtengo wina wa cryptocurrency.

Kodi stablecoins ndi chiyani?

Ma Stablecoins angagwiritsidwe ntchito ngati ndalama zokhazikika zogulira zinthu, mwachitsanzo. Komabe, iyi si malo okhawo omwe amagwiritsira ntchito ndalama zoterezi. Nthawi zambiri, ma stablecoins amagwiritsidwa ntchito kusunga ndalama pakusinthana kwa cryptocurrency.
Sizingatheke kupeza ndalama mwa kusungirako kosavuta, komabe, n’zotheka kuteteza kutayika kwa malonda a malonda panthawi ya kugwa powasamutsira ku stablecoin. Iyi ndi njira imodzi yogwiritsira ntchito, koma kutali ndi yokhayo. Chitsanzo china ndi chakuti osewera akuluakulu pamsika wa cryptocurrency akusintha katundu kukhala stablecoins kuti asataye kalikonse panthawi yopuma. Stablokins amagwiritsidwanso ntchito pa:

• kugwira ntchito tsiku ndi tsiku;
• kusamutsa kwa anthu ena popanda ntchito – kuphatikiza kumayiko ena;
• kuteteza ndalama zakomweko ku inflation;
• kuchepetsa kudalira kusinthanitsa kwa ndalama za Digito pamtengo wa bitcoin;
• kukhathamiritsa kwa kusamutsa kobwerezabwereza kuchokera ku banki imodzi kupita ku ina.

Mndandandawu ukukula mosalekeza. Izi ndichifukwa chakukulirakulira kwa ma stablecoins. Mwachitsanzo, atha kuyikidwa pamtengo kuti alandire ndalama zomwe amapeza, koma malowa ndi otchuka kwambiri.

Kodi ma stablecoins otchuka mu 2022 – mndandanda wazotchuka

Pazonse, mutha kuwerengera ndalama zambiri za stablecoins, koma si ndalama zonse zomwe zingatengedwe kukhala zodalirika. Choyamba, izi zimachitika chifukwa cha kusinthasintha kwazinthu zomwe zimapanga dziwe lalikulu la chizindikirocho, komanso chidaliro cha Investor. Ganizirani za mapulogalamu 10 okhazikika odziwika bwino a Julayi 2022.

Dzina	Kukula kwa msika ($)
USDT	3.9 thililiyoni
USDC	3.3 thililiyoni
BUSD	1.07 thililiyoni
DAI	440 biliyoni
Mtengo wa FRAX	84 biliyoni
TUSD	71 biliyoni
USDP	56 biliyoni
USDN	44 biliyoni
USDD	43 biliyoni
FEI	25 biliyoni

Zambiri zotengedwa pa nsanja yowunikira CoinMarketCap. TOP imapangidwa molingana ndi mfundo ya capitalization yamsika. Ndiko kuti, kuchulukitsidwa kwa zilembo zazikulu, kumapangitsa kuti malo omwe aperekedwawo akhale apamwamba.

Ndi zinthu ziti zomwe zimalumikizidwa nazo

Masiku ano, zofala kwambiri ndi stablecoins, zomwe zimakhazikika pamtengo wandalama wa fiat – dola yaku US. Chizindikiro chodalirika kwambiri masiku ano ndi USDT, kumene mlingo nthawi zonse umakhalabe 1 mpaka 1. Zopotoka ndizotheka, koma ndizochepa ndipo, monga lamulo, zimachitika panthawi ya kusinthasintha kwa ndalama za fiat.
Dola imatengedwa ngati ndalama yapadziko lonse lapansi, kotero ma stablecoins ambiri amakhazikikako. Komabe, pali zinthu zina zokhazikika zokhazikika kundalama zamayiko amayiko ena, monga yuro. Palinso ma stablecoins ambiri omwe amamangiriridwa ku zitsulo zamtengo wapatali. Nthawi zambiri golide. Ubwino waukulu wazinthu zochokera kuzitsulo zamtengo wapatali ndikuti palibe ma komisheni ndipo ndizosavuta kusamalira katundu. Ndipo kuchotsa ndalama ndikosavuta.

Kodi njira zothandizira mtengo ndi chiyani

Pafupifupi katundu aliyense wa cryptocurrency ali ndi zida zomwe zimathandizira ndikutsimikizira mtengo wake. Komabe, pali njira zazikulu zitatu zomwe zingagawidwe m’mitundu:

• chiwerengero cha ndalama zosungidwa ndi dongosolo:
• malamulo ogwiritsira ntchito katundu wochokera kumalo osungirako;
• njira zina zosungira mtengo – katundu aliyense ali ndi njira yakeyake.

Kodi centralized stablecoins

Pafupifupi chizindikiro chilichonse chokhazikika chimayendetsedwa ndi opereka apakati. Amapanga ndikusunga ndalama zomwe zimakhala ndi katundu wosungidwa kapena ndalama za fiat monga dola yaku US. Ayenera kufufuzidwa kuti nthawi ndi nthawi atsimikizire kuchuluka kwazinthu zomwe zalengezedwa. Stablecoin yotchuka kwambiri ndi USDT, ya Tether. Imasinthiratu zambiri za kuchuluka kwa zinthu zomwe zasungidwa m’thumba, komanso imatsimikizira kuti osunga ndalama alipidwa chifukwa cha zotayika ngati china chake chichitika ku USDT. Choncho, chizindikiro ichi ndi chodziwika kwambiri pakati pa stablecoins. Mu Julayi 2022, ndalamazo zidapitilira 80 peresenti yodzaza ndi fiat yokha.
Chizindikiro chachiwiri chachikulu chokhazikika ndi capitalization ndi USDC. Ndiwopangidwa ndi kuphatikiza kwapadera kwa Coinbase ndi Circle. Malo osungiramo makamaka amakhala ndi ndalama za fiat ndi ma bond aku United States of America. Kampani yoyang’anira ili ku New York. Mabungwe omwe amayang’anira zizindikiro zokhazikika amalembedwa m’malo akuluakulu. Kutulutsa kwa stablecoins kumayendetsedwa ndi wopereka. Ndipo kasamalidwe ka katundu kumadalira pa chiwongola dzanja chonse ndi nkhokwe yomwe ilipo.

Kodi ubwino ndi kuipa kwa centralized stablecoins ndi chiyani?

Zizindikiro zokhazikika zomwe zimayendetsedwa ndi mabungwe apakati zimakhala zokhazikika. Mtengo wawo umatsimikiziridwa ndi katundu omwe kusinthasintha kwawo kumakhala kochepa. Ma stablecoins oterowo amakhala ndi ndalama zambiri ndipo amapezeka kuti agulitse pakusinthana kotchuka kwa ndalama za Digito. Ndikoyeneranso kuwonetsa kuthekera kowerengera, kusunga ndalama ndikugulitsa mwachindunji mkati mwa crypto exchange. Komabe, vuto lililonse pakusinthana kwapakati ndi vuto lomwe lingakhalepo kwa aliyense yemwe ali ndi stablecoin. Zitha kuchitika chifukwa cha zolakwika za kampani yoyang’anira, malipoti olakwika, kuphatikiza mwachinyengo kapena zochitika zina.

Chimodzi mwa zitsanzo zabwino kwambiri chinachitika mu 2019. Amagwirizana ndi Tether ndi stablecoin yake, komanso Bitfinex crypto exchange. Womalizayo anaimbidwa mlandu wogwiritsa ntchito likulu la kampani ya Tether pazinthu zaumwini – kulipira ndalama zomwe ogwiritsa ntchito ake adataya pazifukwa zachitatu. Ndalamayi inali yoposa madola 800 miliyoni.

Kusinthana kwa crypto kunatha kubweza ngongole ndikuthetsa kusamvana patatha zaka 2. Pambuyo pa khoti, osunga ndalama za USDT adatembenukira kukhoti, zonena zanenedwa kale motsutsana ndi Tether – zoneneza zogwiritsa ntchito ziwembu zosaloledwa chinyengo.

Kodi algorithmic stablecoins ndi chiyani

Mtengo wa stablecoins nthawi zambiri umakhazikika ku chinthu china, monga mtengo wandalama ya fiat kapena chinthu china. Ubwino waukulu wa stablecoins ndi chitetezo ku kusinthasintha kwakukulu, komwe nthawi zambiri amagwiritsidwa ntchito ndi onse ogulitsa ndi amalonda. Pafupifupi stablecoin iliyonse imayesetsa kumangirira kwathunthu kuzinthu zina, ndikuyambitsa njira zake. Ndipo omwe akugwira ntchito kale ali ndi katundu wokwanira kuti ateteze ndikutsimikizira mtengo wawo. Katunduyu ali m’mabungwe apakati, monga mabanki. Ndalama zimagwira ntchito popanda kugwiritsa ntchito ukadaulo wa blockchain. Ma stablecoins otchuka kwambiri ndi capitalization yamsika amagwira ntchito chimodzimodzi. Komabe, pali ma stablecoins omwe amagwiritsa ntchito ukadaulo wa blockchain kupanga thumba. Ena amagwiranso ntchito ndi ma decentralized mechanisms, mwachitsanzo, DAI. Ma stablecoins oterowo amatchedwa algorithmic. Ndi dzina, mutha kumvetsetsa kuti ma algorithms amagwiritsidwa ntchito ngati maziko a mapangidwe awo. Pankhaniyi, ndi mtundu wa mndandanda wa malamulo, malangizo ndi zoletsa kuti ayenera kutsatira. Nthawi zambiri chilichonse chimapangidwa ndi ma computational process okhala ndi mndandanda wazinthu zolowera. Kukhathamiritsa kwa ma algorithm kuli ndi cholinga chimodzi – kupangitsa kuti mtengo wa ma tokeni ukhale wokhazikika poyerekeza ndi katundu wokhazikika. Nthawi zambiri, ma algorithmic stablecoins alibe ndalama kapena chikole china. Mtengowu sumangirizidwa kuzinthu zakunja. Komabe, palinso ma hybrids. Chilichonse chomwe muyenera kudziwa zokhudza stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Pankhaniyi, ndi mtundu wa mndandanda wa malamulo, malangizo ndi zoletsa kuti ayenera kutsatira. Nthawi zambiri chilichonse chimapangidwa ndi ma computational process okhala ndi mndandanda wazinthu zolowera. Kukhathamiritsa kwa ma algorithm kuli ndi cholinga chimodzi – kupangitsa kuti mtengo wa ma tokeni ukhale wokhazikika poyerekeza ndi katundu wokhazikika. Nthawi zambiri, ma algorithmic stablecoins alibe ndalama kapena chikole china. Mtengowu sumangirizidwa kuzinthu zakunja. Komabe, palinso ma hybrids. Chilichonse chomwe muyenera kudziwa zokhudza stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Pankhaniyi, ndi mtundu wa mndandanda wa malamulo, malangizo ndi zoletsa kuti ayenera kutsatira. Nthawi zambiri chilichonse chimapangidwa ndi ma computational process okhala ndi mndandanda wazinthu zolowera. Kukhathamiritsa kwa ma algorithm kuli ndi cholinga chimodzi – kupangitsa kuti mtengo wa ma tokeni ukhale wokhazikika poyerekeza ndi katundu wokhazikika. Nthawi zambiri, ma algorithmic stablecoins alibe ndalama kapena chikole china. Mtengowu sumangirizidwa kuzinthu zakunja. Komabe, palinso ma hybrids. Chilichonse chomwe muyenera kudziwa zokhudza stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Kukhathamiritsa kwa ma algorithm kuli ndi cholinga chimodzi – kupangitsa kuti mtengo wa ma tokeni ukhale wokhazikika poyerekeza ndi katundu wokhazikika. Nthawi zambiri, ma algorithmic stablecoins alibe ndalama kapena chikole china. Mtengowu sumangirizidwa kuzinthu zakunja. Komabe, palinso ma hybrids. Chilichonse chomwe muyenera kudziwa zokhudza stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Kukhathamiritsa kwa ma algorithm kuli ndi cholinga chimodzi – kupangitsa kuti mtengo wa ma tokeni ukhale wokhazikika poyerekeza ndi katundu wokhazikika. Nthawi zambiri, ma algorithmic stablecoins alibe ndalama kapena chikole china. Mtengowu sumangirizidwa kuzinthu zakunja. Komabe, palinso ma hybrids. Chilichonse chomwe muyenera kudziwa zokhudza stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg

Kodi algorithmic stablecoins ndi chiyani

Masiku ano ndizovuta kusankha njira yoyendetsera mtengo wa stablecoin. Choncho, zosiyana zatsopano za zizindikiro zokhazikika zikuwonekera. Njira imodzi ndiyo kupanga thumba, voliyumu yomwe imaposa kwambiri kuperekedwa kwa ndalamazo. Chizindikiro chodziwika kwambiri chomwe chimagwira ntchito motere ndi DAI. Ili ndi malire oyambira, imachita bwino, koma magwiridwe antchito ake ndi otsika kwambiri kuposa omwe ali apakati. Mu Meyi 2022, mtsogoleri pankhani ya capitalization yamsika anali chuma, mtengo wake unagwa pang’ono. Tikukamba za polojekiti ya Terra ndi chizindikiro cha UST. Mfundoyi inali yakuti olenga sanalamulire kutuluka – aliyense akhoza kupereka zizindikiro. Othandizira azachuma anali kuchita nawo kusintha kwamitengo.
Chizindikirocho chinkaonedwa kuti ndi chokhazikika chifukwa ogwira nawo ntchito amatha kuwotcha mopitirira muyeso kuti mtengo wa katundu ukhale wofanana nthawi zonse ndi dola ya US. Kukhazikika kunachitika ndi ma aligorivimu a ndalama. Komabe, UST ndi ntchito ya Terra yomwe ili ndi katundu wa TerraLUNA. Pakati pa Meyi, idatsika mpaka masenti 20 kuchokera pa $ 60 m’masiku ochepa. Potsatira iye, UST algorithmic stablecoin inagwanso. Mu Julayi 2022, ikugulitsa masenti 2-3. Palibe amene angatchule chifukwa cha kugwa kwakukulu koteroko kwa chizindikiro cholonjeza, komabe, akatswiri ena ndi gwero la Investing.com amakhulupirira kuti machenjerero achinyengo a osewera akuluakulu pamsika ndi omwe amachititsa. Malinga ndi mtundu wawo, omalizawo adapanga zinthu zomwe zidasokoneza ma algorithms a UST ndipo, chifukwa chake, maphunzirowo. Kudumpha kwakuthwa komanso kolimba pakati pa dola ndi mtengo wandalama kudapangitsa kuti msika wonsewo usinthe. Chinthu chachikulu

Momwe makhola adzakhalira

Ma stablecoins ambiri ali ndi ndalama zokhala ndi katundu weniweni, algorithmic, m’malo mwake. Mu nkhokwe zawo, pali masamu okha ndi njira zopangidwira zomwe zimathandiza kulimbikitsa kukhazikika kwa ndalama zosinthanitsa ndi ndalama zina. Komanso, ma stablecoins amalumikizidwa ndi zoopsa, chifukwa osunga ndalama sangakhale otsimikiza za kuwonekera kwa nkhokwezo. Izi zingasonyeze osati kuwongolera kotheka kwa stablecoins ndi boma, komanso chitukuko cha zizindikiro zokhazikika za algorithmic. Komabe, pogwiritsa ntchito chitsanzo cha UST, munthu akhoza kuona kuti pakali pano palibe njira zothandizira chitukuko cha gawoli. Koma panthawi imodzimodziyo n’zosapeŵeka posachedwapa. Stablecoins ndi chuma chosunthika chomwe chikugwiritsidwa ntchito kale m’mbali zambiri za moyo watsiku ndi tsiku. Tekinolojeyi ikukula mwachangu, ndalama zatsopano zapakati zimawonekera, komanso zizindikiro za algorithmic.