Ziziphi ii-stablecoins, zikhuselwa njani kwaye kufanelekile ukutyala imali kuzo ngo-2024

Ziziphi ii-stablecoins, zeziphi, zisebenza njani kwaye zikhuselekile njani, kwaye ngaba kufanelekile ukuzithenga ngo-2022, zeziphi iingozi kumtyalo-mali. Ii-asethi ze-Cryptocurrency zifumana ukuthandwa minyaka le. Amathokheni amaninzi nangakumbi avela, kuquka i-stablecoins. Baye sele bekwazi ukunqoba inxalenye enkulu yemakethe ye-cryptocurrency, ekubeni banenzuzo eninzi, into ephambili kukukhuselwa kwemali kwi-volatility ukuba nayiphi na i-crypto assets iphantsi kwayo. Eli nqaku liza kugxininisa kwi-stablecoins.

Yintoni i-stablecoin ngamagama alula

Ingxaki ephambili ye-cryptocurrency assets kwabo basebenzisa amathokheni njengemali yi-
volatility engalawulwayo . Ukuguquguquka kwexabiso lengqekembe yokuqala emhlabeni ngokuphindaphindiweyo kudlule amashumi amawaka eedola kwaye kwawa ngaphantsi kweshumi elinesibini emva kwencopho ye-67,000 yeedola. I-stablecoin isombulula ingxaki yokuguquguquka, ekubeni izinga lemali enjalo liboshwe ngokuthe ngqo kwimali ye-fiat okanye i-asethi ebonakalayo. Kwimeko yokuqala, ingaba yidola yase-US, kwaye okwesibini, igolide. Nangona kunjalo, kukho ii-stablecoins, isantya esiqinisekiswa ngokuyinxenye okanye ngokupheleleyo ngexabiso lenye asethi ye-cryptocurrency.

Zeziphi ii-stablecoins?

I-Stablecoins ingasetyenziselwa njengemali ye-fiat eqhelekileyo yokuthenga ukutya, umzekelo. Nangona kunjalo, le ayisiyiyo kuphela indawo yokusetyenziswa kwezi ngqekembe. Ngokuqhelekileyo, i-stablecoins isetyenziselwa ukugcina imali kwi-cryptocurrency exchange.
Akunakwenzeka ukufumana imali ngokugcinwa okulula, nangona kunjalo, kunokwenzeka ukukhusela ilahleko yesibini sokurhweba ngexesha lokuwa ngokuyidlulisela kwi-stablecoin. Le yimeko yokusetyenziswa enye, kodwa kude neyodwa kuphela. Omnye umzekelo kukuba abadlali abakhulu kwimarike ye-cryptocurrency baguqula i-asethi kwi-stablecoins ukuze bangalahlekelwa nantoni na ngexesha lokuphumla. I-Stablokins isetyenziselwa:

• ukwenza iitransekshini zemihla ngemihla;
• ukudluliselwa kwabanye abantu ngaphandle kwekhomishini – kubandakanywa nakwamanye amazwe;
• ukukhusela imali yasekuhlaleni ekunyukeni kwamaxabiso;
• ukunciphisa ukuxhomekeka kotshintshiselwano lwe-cryptocurrency kwiindleko ze-bitcoin;
• ukulungelelaniswa koweliselo oluqhubekayo ukusuka kwenye iakhawunti yebhanki ukuya kwenye.

Olu luhlu lukhula rhoqo. Oku kungenxa yokwandiswa kobubanzi be-stablecoins. Umzekelo, banokuthi babekwe esichengeni ukuze bafumane ingeniso, kodwa le ndawo ayithandwa kakhulu.

Ziziphi ii-stablecoins ezidumileyo ngo-2022-uluhlu lwezinto ezidumileyo

Lilonke, ungabala inani elikhulu lee-stablecoins, kodwa ayizizo zonke iimali ezinokuthi zithathwe njengezithembekileyo. Okokuqala, oku kubangelwa ukujikeleza kweempahla ezenza i-pool jikelele yethokheni, kunye nokuzithemba komtyalo-mali. Qwalasela i-TOP 10 yeapps ezidumileyo nezizinzileyo ngoJulayi ka-2022.

Igama	Ukwenziwa koonobumba abakhulu kwimarike ($)
USDT	3.9 yetriliyoni
USDC	3.3 yetriliyoni
BUSD	I-1.07 yezigidigidi
I-DAI	440 billion
I-FRAX	84 billion
TUSD	71 billion
USDP	56 yeebhiliyoni
USDN	44 yeebhiliyoni
USDD	43 billion
I-FEI	25 billion

Ulwazi oluthathwe kwiqonga lokuhlalutya iCoinMarketCap. I-TOP yenziwe ngokomgaqo wokwenza imali kwimarike. Oko kukuthi, ubukhulu bemali enkulu, iphezulu indawo kumlinganiselo onikiweyo.

Yiyiphi impahla ebotshelelwe kuyo

Namhlanje, ezona zixhaphakileyo zii-stablecoins, ezibotshelelwe kwixabiso lemali ye-fiat – idola yaseMelika. Ithokheni ethembekileyo namhlanje yi-USDT, apho izinga lihlala lihlala li-1 ukuya ku-1. Ukuphambuka kunokwenzeka, kodwa kuncinci kwaye, njengomthetho, kwenzeka ngexesha lokuguquguquka kwemali ye-fiat.
Idola ithathwa njengemali yendalo yonke, ngoko ke uninzi lwe-stablecoins luxhonywe kuyo. Nangona kunjalo, kukho ezinye ii-asethi ezizinzileyo ezixhomekeke kwiimali zelizwe zamanye amazwe, njenge-euro. Kwakhona kukho i-stablecoins eninzi ebotshelelwe kwiintsimbi ezixabisekileyo. Amaxesha amaninzi igolide. Inzuzo ephambili yee-asethi ezisekelwe kwiintsimbi ezixabisekileyo kukuba akukho zikhomishini kwaye kulula ukulawula iimpahla. Kwaye ukurhoxisa imali kulula.

Ziziphi iindlela zokuxhasa ixabiso

Phantse yonke i-asethi ye-cryptocurrency inezixhobo ezixhasayo kwaye zithethelela ixabiso layo. Nangona kunjalo, kukho iindlela ezintathu eziphambili ezinokwahlulwa zibe ziindidi:

• inani leenkozo ezigcinwe yinkqubo:
• imithetho yokusetyenziswa kwempahla evela kwindawo yogcino;
• ezinye iindlela zokugcina ixabiso – i-asethi nganye inendlela yayo.

Ziziphi ii-stablecoins ezisembindini

Phantse yonke ithokheni ezinzileyo ilawulwa ngabakhuphi abaphakathi. Badala kwaye bagcine iimali ezigcina ii-asethi ezigciniweyo okanye iifiat currencies ezifana nedola yaseMelika. Zixhomekeke kuphicotho-zincwadi ukuze ziqinisekise ngamaxesha athile isixa-mali esichaziweyo se-asethi. I-stablecoin ethandwa kakhulu yi-USDT, ephethwe yi-Tether. Ihlala ihlaziya ulwazi malunga nomthamo wempahla egciniweyo ngaphakathi kwengxowa-mali, kwaye iqinisekisa kwakhona abatyali-mali imbuyekezo yelahleko ukuba kukho into eyenzekayo kwi-USDT. Ngoko ke, lo mqondiso uthandwa kakhulu phakathi kwee-stablecoins. NgoJulayi ka-2022, ingxowa-mali ingaphezulu kweepesenti ezingama-80 ezaliswe yi-fiat kuphela.
Ithokheni yesibini enkulu ezinzileyo ngokwemali yi-USDC. Iphethwe yindibaniselwano ye-monopolistic yeCoinbase kunye neCircle. Indawo yogcino ikakhulu iqulethe imali yefiat kunye neebhondi zaseUnited States of America. Inkampani yolawulo iseNew York. Imibutho elawula amathokheni azinzileyo ibhaliswe kwindawo enkulu. Ukukhutshwa kwee-stablecoins kulawulwa ngumniki. Kwaye ulawulo lwempahla luxhomekeke kwimbuyekezo iyonke kunye novimba okhoyo.

Ziziphi iingenelo kunye nokungonakali kwe-stablecoins ephakathi

Amathokheni azinzileyo alawulwa yimibutho ephakathi anozinzo oluhle. Ixabiso labo liqinisekiswa yimpahla enokuguquguquka kwayo kuncinci. Ezo stablecoins zine-liquidity ephezulu kwaye ziyafumaneka ukurhweba kutshintshiselwano oluninzi oludumileyo lwe-cryptocurrency. Kukwafanelekile ukugqamisa ukubanakho ukubala, ukonga imali kunye nokurhweba ngokuthe ngqo ngaphakathi kwi-crypto exchange. Nangona kunjalo, nayiphi na inkathazo ekutshintshisweni okuphakathi yingxaki enokubakho kuwo wonke umnini we-stablecoin. Zinokuthi zenzeke ngenxa yeempazamo zenkampani yolawulo, ingxelo engachanekanga, kubandakanywa nendlela yokwenza izinto okanye ezinye iziganeko.

Omnye weyona mizekelo mihle yenzeka ngo-2019. Unxulumene neTether kunye ne-stablecoin yayo, kunye ne-Bitfinex crypto exchange. Lo mva utyholwa ngokusebenzisa inkunzi yenkampani yeTether ngeenjongo zomntu – ukubuyisela imali abasebenzisi bayo abalahlekileyo ngenxa yezizathu zesithathu. Isixa-mali sasingaphezu kwe-800 yezigidi zeedola.

Utshintshiselwano lwe-crypto lwakwazi ukuhlawula ityala kunye nokusombulula ingxabano kuphela emva kweminyaka emi-2. Ukulandela inkundla, abatyali-mali be-asethi ye-USDT baphendukela enkundleni, amabango sele enziwe ngokumelene neTether – izityholo zokusebenzisa amacebo angekho mthethweni ukukhohlisa.

Ziziphi i-algorithmic stablecoins

Ixabiso le-stablecoins lidla ngokuxhonywa kwinto ethile, njengexabiso lemali ye-fiat okanye enye i-asethi. Inzuzo ephambili ye-stablecoins kukukhuselwa kwi-volatility ephezulu, ehlala isetyenziswa ngabatyalo-mali kunye nabarhwebi. Phantse yonke i-stablecoin izama ukubophelela ngokupheleleyo kwi-asethi ethile, izisa iindlela zayo. Kwaye ezo sele zijikeleza zisebenza zinee-asethi ezaneleyo zokukhusela nokuqinisekisa ixabiso labo. Ezi mpahla zifumaneka kwimibutho esembindini, efana neebhanki. Iimali zisebenza ngaphandle kokusetyenziswa kweteknoloji ye-blockchain. I-stablecoins ethandwa kakhulu nge-capitalisation yemarike isebenza kanye ngolu hlobo. Nangona kunjalo, kukho ii-stablecoins ezisebenzisa iteknoloji ye-blockchain ukwenza i-fund. Abanye bade basebenze ngeendlela zokwabela amagunya, umz., iDAI. I-stablecoins enjalo ibizwa ngokuba yi-algorithmic. Ngegama, unokuqonda ukuba ii-algorithms zisetyenziswa njengesiseko sokwakheka kwazo. Kule meko, luhlobo loluhlu lwemithetho, imiyalelo kunye nezithintelo ekufuneka zilandelwe. Ngokuqhelekileyo yonke into yenziwe ngeenkqubo zokubala kunye noluhlu oluthile lwedatha yokufaka. Ukulungelelaniswa kwe-algorithm kunenjongo enye – ukugcina izinga lotshintshiselwano lomqondiso lizinzile ngokumalunga neempahla eziphekiweyo. Ngokuqhelekileyo, i-algorithmic stablecoins ayinayo nayiphi na imali okanye enye into yokubambisa. Iindleko azibotshelelwanga kwii-asethi zangaphandle. Nangona kunjalo, kukwakho neehybrids. Yonke into ofuna ukuyazi malunga ne-stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Kule meko, luhlobo loluhlu lwemithetho, imiyalelo kunye nezithintelo ekufuneka zilandelwe. Ngokuqhelekileyo yonke into yenziwe ngeenkqubo zokubala kunye noluhlu oluthile lwedatha yokufaka. Ukulungelelaniswa kwe-algorithm kunenjongo enye – ukugcina izinga lotshintshiselwano lomqondiso lizinzile ngokumalunga neempahla eziphekiweyo. Ngokuqhelekileyo, i-algorithmic stablecoins ayinayo nayiphi na imali okanye enye into yokubambisa. Iindleko azibotshelelwanga kwii-asethi zangaphandle. Nangona kunjalo, kukwakho neehybrids. Yonke into ofuna ukuyazi malunga ne-stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Kule meko, luhlobo loluhlu lwemithetho, imiyalelo kunye nezithintelo ekufuneka zilandelwe. Ngokuqhelekileyo yonke into yenziwe ngeenkqubo zokubala kunye noluhlu oluthile lwedatha yokufaka. Ukulungelelaniswa kwe-algorithm kunenjongo enye – ukugcina izinga lotshintshiselwano lomqondiso lizinzile ngokumalunga neempahla eziphekiweyo. Ngokuqhelekileyo, i-algorithmic stablecoins ayinayo nayiphi na imali okanye enye into yokubambisa. Iindleko azibotshelelwanga kwii-asethi zangaphandle. Nangona kunjalo, kukwakho neehybrids. Yonke into ofuna ukuyazi malunga ne-stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Ukulungelelaniswa kwe-algorithm kunenjongo enye – ukugcina izinga lotshintshiselwano lomqondiso lizinzile ngokumalunga neempahla eziphekiweyo. Ngokuqhelekileyo, i-algorithmic stablecoins ayinayo nayiphi na imali okanye enye into yokubambisa. Iindleko azibotshelelwanga kwii-asethi zangaphandle. Nangona kunjalo, kukwakho neehybrids. Yonke into ofuna ukuyazi malunga ne-stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg Ukulungelelaniswa kwe-algorithm kunenjongo enye – ukugcina izinga lotshintshiselwano lomqondiso lizinzile ngokumalunga neempahla eziphekiweyo. Ngokuqhelekileyo, i-algorithmic stablecoins ayinayo nayiphi na imali okanye enye into yokubambisa. Iindleko azibotshelelwanga kwii-asethi zangaphandle. Nangona kunjalo, kukwakho neehybrids. Yonke into ofuna ukuyazi malunga ne-stablecoins, USDC, USDT, DAI, BUSD: https://youtu.be/71u4U2eJWGg

Ziziphi i-algorithmic stablecoins

Namhlanje kunzima ukukhetha indlela yokulawula ixabiso le-stablecoin. Ngoko ke, iinguqu ezintsha zamathokheni ezizinzileyo zivela. Enye indlela kukudala ingxowa-mali, umthamo wayo udlula kakhulu ukukhutshwa kwemali. Olona phawu ludumileyo olusebenza ngolu hlobo luyi-DAI. Inomda omkhulu wokuqala, iziphatha ngokuzinzileyo, kodwa ukusebenza kakuhle kwe-asethi kusezantsi kakhulu kunoko koogxa baphakathi. NgoMeyi 2022, inkokeli ngokubhekiselele kwi-capitalization yemarike yayiyi-asethi, ixabiso eliye lawa lincinci. Sithetha ngeprojekthi yeTerra kunye nethokheni ye-UST. Umgaqo wawukuthi abadali abazange balawule ukukhutshwa – nabani na onokukhupha amathokheni. Iiarhente zezoqoqosho zazibandakanyeke kuhlengahlengiso lwamaxabiso.
Ithokheni yayibhekwa njengezinzile ngenxa yokuba abathathi-nxaxheba banokutshisa ukugqithisa ukwenzela ukuba ixabiso le-asethi lihlala lilingana nedola laseMelika. Uzinzo luphunyezwe nge-algorithms yengqekembe. Nangona kunjalo, i-UST yiprojekthi yeTerra ene-asethi yeTerraLUNA. Phakathi kuMeyi, yehla ukuya kwi-20 yeesenti ukusuka kwi-$ 60 kwiintsuku ezimbalwa. Ukumlandela, i-UST algorithmic stablecoin nayo yawa. NgoJulayi ka-2022, ithengisa ngeesenti ezi-2-3. Akukho mntu unokuthi igama lesizathu sokuwa okubukhali komqondiso othembisayo, nangona kunjalo, abanye abahlalutyi kunye nemithombo ye-Investing.com bakholelwa ukuba ukukhwabanisa kwabadlali abakhulu kwiimarike kubeka ityala. Ngokutsho kwenguqulelo yabo, le yokugqibela idale imeko ephazamisa i-algorithms ye-UST kwaye, ngenxa yoko, ikhosi. Ukutsiba okubukhali kunye namandla phakathi kwedola kunye nexabiso lengqekembe kubangele ukusabela kuyo yonke imarike. Eyona nto iphambili

Ziya kukhula njani izitali

Uninzi lwee-stablecoins zineemali ezinempahla yangempela, i-algorithmic, ngokuchaseneyo. Kwi-arsenal yabo, kukho imathematika kuphela kunye neendlela eziphuhlisiwe ezinceda ukuvuselela ukuzinza kwezinga lokutshintshiselana ngokumalunga nemali ethile. Kwakhona, i-stablecoins idibaniswa nemingcipheko, kuba abatyali-mali abanakuqiniseka ngokungafihliyo koovimba. Oku kungabonisi kuphela ukulawulwa okunokwenzeka kwe-stablecoins ngurhulumente, kodwa kunye nophuhliso lwamathokheni azinzileyo algorithmic. Nangona kunjalo, usebenzisa umzekelo we-UST, umntu unokubona ukuba okwangoku azikho iindlela ezisebenzayo zokuphuhliswa kwesphere. Kodwa kwangaxeshanye akunakuphepheka kwixesha elizayo elingekude. I-Stablecoins yi-asethi eguquguqukayo esele isetyenziswa kwiindawo ezininzi zobomi bemihla ngemihla. Itekhnoloji iphuhlisa ngenkuthalo, iingqekembe ezintsha ezisembindini zivela, kunye namathokheni e-algorithmic.