<p>Cryptocurrencies sun yi tasiri a duniya a cikin shekaru goma da suka gabata, suna canza yadda muke tunani game da kudi, biyan kuɗi, da zuba jari. Duk da haka, tare da dukkanin wannan sabuwar fasaha, wani mummunan ra'ayi ya kasance a fili: rashin tabbas. Bitcoin, Ethereum, da tarin altcoins sun sha wahala daga manyan canje-canje a farashi wanda ke sa su zama abin sha'awa ga 'yan kasuwa amma ba su dace da mu'amaloli na yau da kullum ba. Wannan shine

inda&nbsp;<strong>stablecoins</strong>&nbsp;ke shiga.</p> <p>Stablecoins an tsara su don haɗa&nbsp;<strong>mafi kyawun duniya biyu</strong>&mdash;inganci da rashin iyaka na cryptocurrencies, tare da kwanciyar hankali na kuɗin gargajiya. Su ne gada tsakanin tsofaffin tsarin kuɗi da kadarorin dijital masu zaman kansu, suna ba da kwanciyar hankali, ruwa, da amfani mai ma'ana.

hanyoyin da suka sa su zama ginshiƙi na tsarin crypto a yau.</p> <p> A cikin wannan binciken mai zurfi, za mu bincika menene stablecoins, yadda suke aiki, nau'ikan su daban-daban, da kuma karuwar amfani da su a cikin&nbsp;<strong>hanyoyin amfani na ainihi</strong>. A ƙarshen, za ku ga dalilin da ya sa ake yawan kiran su da &ldquo;manjan&rdquo; na juyin juya halin kuɗin dijital.</p> <hr class="wp-block-separator

has-alpha-channel-opacity"> <h2 class="wp-block-heading">Fahimtar Stablecoins</h2> <p>A cikin asalin su, stablecoins kayan dijital ne&nbsp;<strong>da aka haɗa da ƙimar</strong>&nbsp;ajiyar da ya dace, yawanci kuɗin fiat kamar dalar Amurka (USD), euro (EUR), ko kayan masarufi kamar zinariya. Babban burin su shine&nbsp;<strong>rage canje-canje</strong>&nbsp;da bayar da ajiyar da za a iya tsammani

value a cikin wani yanayi na crypto da ba a iya hango ba.</p> <p>Misali, yayin da Bitcoin zai iya canzawa da kashi 10% ko fiye a cikin rana guda, stablecoin da aka makala da dalar Amurka&mdash;kamar USDT (Tether) ko USDC (USD Coin)&mdash;ana nufin ya tsaya a ko kusa da $1.</p> <h3 class="wp-block-heading">Me yasa wannan yake da mahimmanci?</h3> <p>Ka yi tunanin kokarin sayen kofi da Bitcoin: ka yarda ka biya $3 a cikin BTC, amma kafin lokacin

mu'amala ya kammala, farashin ya canza, kuma ka ko dai ka biya fiye ko ka biya kasa. Tare da stablecoins, wannan matsalar ta bace. Sun tsaya daidai kuma suna sa <strong>biyan kuɗi na crypto ya zama mai yiwuwa</strong>.</p> <hr class="wp-block-separator has-alpha-channel-opacity"> <h2 class="wp-block-heading">Nau'in Stablecoins</h2> <p>Ba duk stablecoins aka ƙirƙira daidai ba. Tsarinsu da goyon bayan su suna tantance

matakin su na kwanciyar hankali, amintaccen hali, da haɗari.</p> <h3 class="wp-block-heading">1. Stablecoins da aka tabbatar da Fiat</h3> <p>Wannan shine mafi yawan nau'in kuma ana goyon bayan su 1:1 ta hanyar ajiyar fiat da aka ajiye a cikin asusun banki. Misalai sun haɗa da:</p> <ul class="wp-block-list"> <li><strong>USDT (Tether)</strong></li> <li><strong>USDC (USD Coin)</strong></li> <li><strong>BUSD (Binance USD)</strong></li> </ul>

<p>Kowane token da aka fitar yana da goyon baya daga hakikanin daloli (ko dukiya masu kusan daidai kamar su treasury) da mai fitarwa ya adana.</p> <h3 class="wp-block-heading">2. Stablecoins Masu Tabbatar da Crypto</h3> <p>Maimakon a goyi bayan su da fiat, waɗannan stablecoins suna da goyon baya daga wasu cryptocurrencies. Don rage tasirin canji, yawanci suna&nbsp;<strong>fiye da abin da aka tanada</strong>.</p> <ul class="wp-block-list">

<li><strong>DAI (ta MakerDAO)</strong>&nbsp;misali ne mai kyau, wanda Ethereum da wasu kadarorin dijital ke goyan baya.</li> </ul> <p>Wannan tsari yana da rarrabawa da bayyana amma yana da haɗarin sayarwa a lokacin faduwar kasuwa mai tsanani.</p> <h3 class="wp-block-heading">3. Stablecoins na Algorithmic</h3> <p>Wannan stablecoins suna dogara ne akan kwangiloli masu hankali da algorithms don sarrafa bukata da bayarwa, suna kiyaye

<p>kayan su ba tare da alamar gargajiya ba.</p> <ul class="wp-block-list"> <li>Misalan shahararru sun haɗa da&nbsp;<strong>UST (TerraUSD)</strong>, wanda ya fadi a 2022.</li> <li>Duk da cewa suna da sabbin ra'ayoyi, suna ɗauke da haɗarin tsarin fiye da haka kuma har yanzu suna cikin gwaji.</li> </ul> <h3 class="wp-block-heading">4. Stablecoins da ke da Tabbatar da Kayan Hadi</h3> <p>Wasu stablecoins suna haɗe da kadarorin kamar zinariya ko mai.</p> <ul

class="wp-block-list"> <li><strong>PAX Gold (PAXG)</strong>&nbsp;yana goyon bayan zinariya ta zahiri.</li> </ul> <p>Wannan yana ba masu amfani da crypto damar samun damar zuwa kayan masarufi yayin da suke gudanar da mu'amala ta dijital.</p> <hr class="wp-block-separator has-alpha-channel-opacity"> <h2 class="wp-block-heading">Me yasa Stablecoins suke da Muhimmanci</h2> <p>Stablecoins sun zama ginshiki ga kasuwar crypto. Ga waɗannan

me:</p> <ol class="wp-block-list"> <li><strong>Tsarin Farashi</strong>&nbsp;&ndash; Suna ba da tabbaci a cikin kasuwa mai canji sosai.</li> <li><strong>Ruwan Kudi</strong>&nbsp;&ndash; 'Yan kasuwa suna amfani da su don sauri shiga da fita daga matsayin crypto ba tare da canza zuwa fiat ba.</li> <li><strong>Biya na Kasa da Kasa</strong>&nbsp;&ndash; Suna ba da damar biyan kudi na kasa da kasa cikin sauri da arha.

ma'amala idan aka kwatanta da bankin gargajiya.</li> <li><strong>Tsarin DeFi</strong>&nbsp;&ndash; Kuɗin Gida na Decentralized (DeFi) yana dogara sosai akan stablecoins don bayar da rance, aro, da noma amfanin.</li> <li><strong>Samun Dama</strong>&nbsp;&ndash; A kasashe da ke da rashin tabbas na kuɗi, stablecoins suna ba wa mutane hanya don adana dukiya.</li> </ol> <hr class="wp-block-separator

has-alpha-channel-opacity"> <h2 class="wp-block-heading">Amfani na Gaskiya na Stablecoins</h2> <p>Mu duba yadda ake amfani da stablecoins a yau a fannonin daban-daban.</p> <h3 class="wp-block-heading">1. Ciniki da Kare Kudi</h3> <p>A cikin cinikin crypto, stablecoins suna aiki a matsayin&nbsp;<strong>tsaro mai kyau</strong>&nbsp;lokacin canje-canje a kasuwa. Maimakon mayar da kadarorin zuwa fiat, 'yan kasuwa

sauke cikin stablecoins kamar USDT ko USDC.</p> <p>Misali, idan kuna ciniki da altcoins a dandalin kamar&nbsp;<a href="https://exbix.com/exchange/dashboard?coin_pair=BNB_USDT">BNB USDT haɗin ciniki</a>, amfani da stablecoins yana ba ku damar kulle riba ba tare da fita daga tsarin crypto ba.</p> <h3 class="wp-block-heading">2. Aika Kudi da Biyan Kudi na Kasa da Kasa</h3> <p>Na gargajiya

aikin aika kuɗi kamar Western Union na iya ɗaukar kwanaki kuma suna cajin har zuwa 10% a cikin kuɗin. Tare da stablecoins, za ka iya aikawa da kuɗi nan take a cikin ƙasashe a farashi mai rahusa.</p> <p>Wannan yana sa su zama masu mahimmanci musamman a ƙasashen da ke ci gaba inda samun damar banki na gargajiya ke da iyaka.</p> <h3 class="wp-block-heading">3. Biyan Kuɗi na Kullum</h3> <p>Kasuwanci suna karɓar stablecoins a ƙara yawan gaske

a matsayin biyan kuɗi, daga 'yan kasuwa da ake biya da USDC zuwa shagunan sayar da kayayyaki da ke haɗa tsarin biyan kuɗi na crypto.</p> <h3 class="wp-block-heading">4. Kuɗin Da Ba a Tsara (DeFi)</h3> <p>Stablecoins suna cikin zuciyar tashin hankalin DeFi. Ana amfani da su don:</p> <ul class="wp-block-list"> <li>Amfani da su a matsayin jari a cikin tsarin ba da rance</li> <li>Ruwa a cikin musayar da ba ta da tsari (DEXs)</li> <li>Farming riba da staking

rewards</li> </ul> <p>Misali, idan kuna bayar da ruwa a cikin haɗin kamar&nbsp;<a href="https://exbix.com/exchange/dashboard?coin_pair=SOL_USDT">musayar SOL USDT</a>, gefen stablecoin yana taimakawa wajen daidaita canjin farashi.</p> <h3 class="wp-block-heading">5. Kare Kai Daga Hauhawar Farashi</h3> <p>A cikin ƙasashe masu hauhawar farashi mai yawa, stablecoins kamar USDT suna zama&nbsp;<strong>rayuwa</strong>.

Citizens a wurare kamar Venezuela ko Turkey suna yawan canza kudin gida zuwa stablecoins don kare dukiyarsu.</p> <h3 class="wp-block-heading">6. Tsarin NFT da Wasanni</h3> <p>A cikin wasannin blockchain da kasuwannin NFT, ana yawan amfani da stablecoins don kayyade farashin kadarori, suna guje wa canjin farashi na ETH ko BTC.</p> <h3 class="wp-block-heading">7. Karɓar Hukumomi</h3>

<p>Kamfanoni da ma'aikatar gwamnati suna gwada stablecoins. Misali,&nbsp;<strong>kudin dijital na bankin tsakiya (CBDCs)</strong>&nbsp;na daga cikin nau'ikan stablecoins da gwamnati ke goyon baya wanda aka danganta da kudaden kasa.</p> <hr class="wp-block-separator has-alpha-channel-opacity"> <h2 class="wp-block-heading">Kalubale da Hadari na Stablecoins</h2> <p>Duk da fa'idodinsu,

stablecoins ba su da hadari.</p> <ol class="wp-block-list"> <li><strong>Damuwar Tsararraki</strong>&nbsp;&ndash; Stablecoins da aka tallafa da fiat suna dogara ga hukumomi masu tsararraki, wanda ke haifar da tambayoyi kan bayyana gaskiya.</li> <li><strong>Matakan Tsari</strong>&nbsp;&ndash; Gwamnatoci suna mai da hankali sosai, musamman a Amurka da EU.</li> <li><strong>Hadarin Rabuwa da Tsari</strong>&nbsp;&ndash; A cikin

matsan kasuwa mai tsanani, stablecoins na iya rasa haɗin su na ɗan lokaci.</li> <li><strong>Rushewar Algorithmic</strong>&nbsp;&ndash; Kamar yadda aka gani da TerraUSD, stablecoins na algorithmic na iya fuskantar gagarumin gazawa.</li> </ol> <p>Har yanzu, mafi yawan stablecoins da aka kafa kamar USDT da USDC sun ci gaba da riƙe haɗin su a kai a kai.</p> <hr class="wp-block-separator has-alpha-channel-opacity"> <h2

class="wp-block-heading">Stablecoins da Kuɗin Gargajiya</h2> <p>A lokacin farko, kuna iya mamakin: idan stablecoins suna da alaƙa da kuɗin fiat, me ya sa ba a yi amfani da kuɗin fiat kai tsaye ba? Bambancin yana cikin&nbsp;<strong>amfanin blockchain</strong>:</p> <ul class="wp-block-list"> <li>Canje-canje nan take</li> <li>Biya ba tare da iyaka ba</li> <li>Samun sa a kowane lokaci</li> <li>Shirye-shiryen (kwangiloli masu hankali)</li> </ul>

<p>Wannan fasaloli suna sa stablecoins su kasance a cikin matsayi na musamman don karfafa tattalin arzikin dijital na gaba.</p> <hr class="wp-block-separator has-alpha-channel-opacity"> <h2 class="wp-block-heading">Ganin Gaba na Stablecoins</h2> <p>Yayinda karɓar crypto ke ci gaba da ƙaruwa, stablecoins za su zama masu mahimmanci fiye da kowane lokaci. Masana suna hasashen:</p> <ul class="wp-block-list"> <li><strong>Karuwar

<strong>Dokokin</strong>&nbsp;don tabbatar da kwanciyar hankali da kariya ga masu amfani.</li> <li><strong>Hadewa cikin tsarin banki</strong>&nbsp;don samun saurin kammala ma'amaloli.</li> <li><strong>Ci gaba a kasuwannin da ke tasowa</strong>, inda stablecoins za su iya maye gurbin kudaden gida marasa tabbas.</li> <li><strong>Haɗin kai tsakanin sarkoki</strong>, wanda zai ba da damar stablecoins su motsa cikin sauki a tsakanin sarkoki daban-daban.</li>

</ul> <p>Stablecoins na iya zama&nbsp;<strong>kofa zuwa karɓar al'umma</strong>, suna zama kuɗin dijital na gobe.</p> <hr class="wp-block-separator has-alpha-channel-opacity"> <h2 class="wp-block-heading">Yadda Ake Amfani da Stablecoins Cikin Tsaro</h2> <p Idan kuna tunanin amfani da stablecoins, ga wasu kyawawan hanyoyi:</p> <ol class="wp-block-list"> <li><strong>Zaɓi

<strong>Stablecoins Masu Kyakkyawan Suna</strong>&nbsp;&ndash; Ka tsaya ga sunaye masu karfi kamar USDT, USDC, ko DAI.</li> <li><strong>Tabbatar da Taimako</strong>&nbsp;&ndash; Nemi rahotannin bayyana da bincike.</li> <li><strong>Yawaita Zuba Jari</strong>&nbsp;&ndash; Kada ka sanya dukkan kudadenka a cikin stablecoin guda.</li> <li><strong>Yi Amfani da Kasuwanni Masu Aminci</strong>&nbsp;&ndash; Koyaushe ka yi mu'amala a kan dandamali masu inganci.

tare da matakan tsaro masu karfi.</li> </ol> <p>Misali, ciniki da ma'aunin stablecoin a kan kasuwanni kamar&nbsp;<a href="https://exbix.com/exchange/dashboard?coin_pair=BNB_USDT">dashboard na cinikin crypto</a>&nbsp;ko&nbsp;<a href="https://exbix.com/exchange/dashboard?coin_pair=SOL_USDT">fuskantar cinikin SOL</a>&nbsp;yana tabbatar da cewa kuna cikin yanayi mai tsaro.</p> <hr class="wp-block-separator

has-alpha-channel-opacity"> <h2 class="wp-block-heading">Kammalawa</h2> <p>Stablecoins sun zama daya daga cikin&nbsp;<strong>muhimman sabbin abubuwa a duniya crypto</strong>. Ta hanyar bayar da kwanciyar hankali na farashi, ruwa, da amfani mai ma'ana, suna magance daya daga cikin manyan kalubale ga karɓar crypto: canjin farashi.</p> <p>Ko yana kasuwanci, biyan kuɗi tsakanin ƙasashe, ko kariya daga

inflation, ko kuma haɓaka tsarin DeFi, stablecoins suna nan don zama. Sun kasance gadon da ke tsakanin kuɗin gargajiya da makomar da aka rarraba.</p> <p>Kamar yadda aka saba da duk sabbin abubuwa, akwai haɗari, amma tare da amfani daidai da tsari, stablecoins na iya zama&nbsp;<strong>kuɗin dijital na gobe</strong>, suna canza yadda muke ajiyewa, kashewa, da saka jari a duniya.</p>

Anfani na Stablecoins

Menene Stablecoins da Amfaninsu?