Yini ama-Stablecoin kanye nezimo zawo zokusetshenziswa?
Izimali ze-cryptocurrency ziye zathatha umhlaba ngamandla eminyakeni eyishumi edlule, zishintsha indlela esicabanga ngayo ngemali, ukukhokha, nokutshalwa kwezimali. Nokho, phakathi kwazo zonke lezi zinguquko, kukhona ukugxekwa okuvamile okuhlala kuvele: ukungazinzi. I-Bitcoin, i-Ethereum, kanye nezinye izimali eziningi ziye zabona ukuhamba kwamanani okukhulu okwenza zibe mnandi kubathengisi kodwa zingasebenzi kahle ezinhlelweni zokuhweba zansuku zonke. Lokhu kuyi-
lapha ama-stablecoins angena.Ama-stablecoins aklanyelwe ukuhlanganisa okungcono kokubili—ukusebenza kahle nokungaphandle kwemingcele kwezimali ze-cryptocurrency, kanye nokuzinza kwemali ye-fiat yendabuko. Ayisixhumanisi phakathi kwezinhlelo zezezimali ezindala nezimpahla zedijithali ezizimele, ehlinzeka ngokuqina, ukuhamba kwemali, nokusetshenziswa okusebenzayo. izimo ezibenza babe yisisekelo sohlelo lwe-crypto namuhla.
Kulolu chungechunge olunzulu, sizohlola ukuthi yini ama-stablecoins, asebenza kanjani, izinhlobo ezahlukene, kanye nezimo zabo ezikhulayo zokusetshenziswa ezisemhlabeni. Ekupheleni, uzobona ukuthi kungani kuvame ukubizwa ngama “glue” ye-revolution yezezimali zedijithali.
Ukuqonda Ama-Stablecoins
Ngokuyinhloko, ama-stablecoins asetshenziswa njengezimpahla zedijithali ezixhunywe enanini lesikhwama esizinzile, ngokuvamile imali ethile efana nedola laseMelika (USD), i-euro (EUR), noma izinto ezinjengogolide. Injongo yabo enkulu uku nciphisa ukungazinzi futhi ukuhlinzeka ngendawo yokugcina enokwenzeka. inani emhlabeni we-crypto ongazelelwe.
Isibonelo, nakuba i-Bitcoin ingashintsha ngo-10% noma ngaphezulu ngosuku olulodwa, i-stablecoin ehlanganiswe nedola—njenge-USDT (Tether) noma i-USDC (USD Coin)—ihloselwe ukuhlala ku-$1 noma eduze kwayo.
Kungani Lokhu Kubalulekile?
Cabanga uzama ukuthenga ikhofi nge-Bitcoin: uvuma ukukhokha u-$3 nge-BTC, kodwa ngesikhathi sokugcina ukuthi umtransakshini uqeda, intengo iyashintsha, futhi ungase ube ukhokhe kakhulu noma ungakhokhi kahle. Ngama-stablecoin, le nkinga iyaphela. Agcina ukuzinza futhi enza ukukhokha nge-crypto kube lula.
Izinhlobo zeStablecoins
Ayikho yonke i-stablecoin eyenziwe ngokulinganayo. Ukuklama kwazo nokuxhaswa kuthinta izinga labo bokuqina, ukwethenjelwa, kanye nenhlekelele.
1. Ama-Stablecoin Asekelwe ku-Fiat
Lezi yizinhlobo ezivamile kakhulu futhi zixhaswe ngo-1:1 ngezimali ze-fiat ezigcinwe ezinkampanini zebhange. Izibonelo zifaka:
- USDT (Tether)
- USDC (USD Coin)
- BUSD (Binance USD)
Umgqibelo ngamunye owenziwayo uxhaswe ngamadola angempela (noma impahla ezilinganayo efana nezikweletu) ezigcinwe umkhiqizi.
2. Ama-Stablecoin Asekelwe Ku-Crypto
Esikhundleni sokuxhaswa ngempahla ye-fiat, lawa ma-stablecoin axhaswe ngeminye imithombo ye-cryptocurrency. Ukuze kuphumelele ukungazinzi, ngokuvamile ukuxhaswa ngokweqile.
- DAI (ngokuhlanganiswa kwe-MakerDAO) iyisibonelo esihle, esisekelwa yi-Ethereum nezinye izimpahla zedijithali.
Lo mkhiqizo uphucukile futhi ubonakalayo kodwa unengozi yokukhipha ngesikhathi sokwehla okukhulu kwemakethe.
3. Ama-Stablecoins E-Algorithmic
Lezi z stablecoins zisebenzisa izivumelwano ezihlakaniphile nezinhlelo zokulawula ukuhlinzekwa nokufuna, zigcina
ukubambisana kwabo ngaphandle kokuthi babe nezimpahla ezijwayelekile.
- Izibonelo ezidumile zifaka phakathi UST (TerraUSD), eyawa ngo-2022.
- Nakuba zishintsha, zinezingcuphe eziphezulu zokuhlangana futhi zisazama.
4. Ama-Stablecoin Asekelwe Ezimpahleni
Amanye ama-stablecoin axhunywe ezimpahleni ezifana negolide noma uwoyela.
- PAX Gold (PAXG) ixhaswe ngensimbi yangempela.
Lokhu kuvumela abasebenzisi be-crypto ukuba bathole ukufinyelela ezimpahleni ngenkathi bethengisela ngedijithali.
Kungani Ama-Stablecoins Ebalulekile
Ama-stablecoins asebe sengumgogodla wemakethe ye-crypto. Nansi kungani:
- Ukuzinza Kwenani – Zihlinzeka ngokuqinisekiswa emakethe eguquguqukayo kakhulu.
- Ukuhamba Kwezimali – Abathengisi bayazisebenzisa ukuze basheshe baphume futhi bangene ezikhundleni ze-crypto ngaphandle kokuguqula zibe yizimali ezisemthethweni.
- Izinkokhelo Zomhlaba Wonke – Zenza kube lula futhi kube nebhajethi yokukhokha kwamanye amazwe. ukuhweba uma kuqhathaniswa nezokuxhumana zendabuko.
- Uhlelo lwe-DeFi – Izezimali Ezizimele (DeFi) ithembele kakhulu kumadola azinzile ekubolekeni, ekubolekeleni, nasekutholeni inzuzo.
- Ukufinyeleleka – Emazweni anemali engazinzile, amadola azinzile anika abantu ithuba lokugcina ingcebo.
Izimo Zangempela Zokusebenzisa Ama-Stablecoin
Masiphule indlela ama-stablecoin asetshenziswa ngayo namuhla ezindaweni ezahlukene.
1. Ukuhweba Nokuvikela
Ekuhwebeni kwe-crypto, ama-stablecoin asebenza njengokuthi indawo ephephile ngenkathi izimakethe zishintsha. Esikhundleni sokuguqula izimpahla zibuyele ku-fiat, abahwebi simply move into stablecoins like USDT or USDC.
Isibonelo, uma uthengisa ama-altcoins epulatifomu efana ne BNB USDT trading pair, ukusebenzisa ama-stablecoins kukuvumela ukuthi uvikele inzuzo ngaphandle kokuphuma ohlelweni lwe-crypto.
2. Ukudluliselwa kwemali kanye Nezinkokhelo Zomhlaba Wonke
Traditional izinsizakalo zokudlulisa imali ezifana ne-Western Union zingathatha izinsuku futhi zikhokhe kuze kube ngu-10% ezindlekweni. Ngama-stablecoins, ungathumela imali ngokushesha emaphethelweni ngentengo encane kakhulu.
Lokhu kubaluleke kakhulu ezweni elithuthukayo lapho ukufinyelela kumabhange ajwayelekile kunqatshelwe.
3. Ukukhokha Kwansuku Zonke
Amabhizinisi aqhubeka nokwamukela ama-stablecoins njengokukhokha, kusuka kubantu abasebenza ngokuzimela abakhokhelwa nge-USDC kuya ezitolo ezithengisa ngezimali ze-crypto.
4. Izezimali Ezizimele (DeFi)
Amastablecoins aphakathi kokukhula kwe-DeFi. asetshenziswa ku:
- Ukubambisana ezinhlelweni zokubolekwa
- Ukuhlinzeka ngamanzi ezimakethe ezizimele (DEXs)
- Ukulima inzuzo nokubambisana imivuzo
Isibonelo, uma uhlinzeka ngamanzi emjikelezweni ofana ne SOL USDT exchange, uhlangothi lwe-stablecoin lusiza ukuhlela ukungazinzi.
5. Vika Ukunyuka Kwamandla
Ezizweni ezine-inflation ephezulu, ama-stablecoins afana ne-USDT aba ukuphila. Abantu ezindaweni ezifana neVenezuela noma eTurkey bavame ukuguqula imali yendawo ibe ama-stablecoin ukuze bagcine ingcebo yabo.
6. I-Ecosystem ye-NFT neMidlalo
Emidlalweni ye-blockchain nasezimakethe ze-NFT, ama-stablecoin ayasetshenziswa kakhulu ukwakha amanani ezimpahla, kugwenywa ukungazinzi kokubiza kwe-ETH noma kwe-BTC.
7. Ukwamukelwa Kwemibono Yezikhungo
Amabhizinisi kanye nohulumeni bahlola ama-stablecoin. Isibonelo, imali yedijithali yezentengiselwano (CBDCs) iyizinhlelo ezisekelwa uhulumeni zama-stablecoin ezibambekile kumali kazwelonke.
Izinkinga Nezingozi Zama-Stablecoin
Nakuba zinezici ezinhle, stablecoins azinakho ubungozi.
- Ukukhathazeka Ngokuphathwa Kwezentengiselwano – Ama-stablecoins axhaswe yi-fiat axhomeke ezikhungweni eziphakeme, okukhulisa imibuzo yokucacisa.
- Pressure Yokulawulwa – Ohulumeni banaka kakhulu, ikakhulukazi e-US nase-EU.
- Ubungozi Bokuphuma Kwepeg – Ku ukuphazamiseka kwemakethe okukhulu, ama-stablecoins angalahlekelwa ukuxhumana kwawo okwethulwa.
- Ukwehla Kwe-Algorithmic – Njengoba kuboniswe nge-TerraUSD, ama-stablecoins e-algorithmic angaphumelela ngokumangalisayo.
Ngakolunye uhlangothi, iningi lama-stablecoins aqinile afana ne-USDT ne-USDC agcine ukuxhumana kwawo njalo.
Izimali Ezizinzile vs. Izimali Zendabuko
Ngokokuqala ukubheka, ungazibuza: uma izimali ezinzinile zixhunywe kuzimali, kungani singasebenzisi izimali uqobo? Ukuhluka kukhona inzuzo ye-blockchain:
- Ukudluliswa okusheshayo
- Izinkokhelo ezinganqamuki
- Ukutholakala 24/7
- Ukusebenza (izivumelwano ezihlakaniphile)
Lezi zici zenza ama-stablecoins abe neqhaza elikhethekile ekusekeleni umnotho wedijithali wesikhathi esizayo.
Ikusasa Lama-Stablecoins
Njengoba ukwamukelwa kwe-crypto kuqhubeka nokukhula, ama-stablecoins azoba abaluleke kakhulu. Abahlaziyi babikezela:
- Ukukhula ukuhleleka ukuqinisekisa ukuzinza nokuvikelwa kwabathengi.
- Ukuhlanganiswa ezinhlelweni zebhange ukuze kube nezinkokhelo ezisheshayo.
- Ukukhula emakethe ezithuthukayo, lapho ama-stablecoin angathatha indawo yemali yendawo engazinzile.
- Ukuvumelana phakathi kwezixhumi, kuvumela ama-stablecoin ukuthi ahambe ngaphandle kwezithiyo phakathi kwe-blockchains ezahlukene.
Izimali ezizinzile zingaba indlela yokwamukelwa okubanzi, zisebenza njengemali yedijithali yalesi sikhathi esizayo.
Indlela Yokusebenzisa Izimali Ezinzile Ngokuphepha
Uma ucabanga ngokusebenzisa izimali ezizinzile, nansi eminye yemikhuba emihle:
- Khetha Izimali Ezithembekile – Gcina kumagama azinikele afana ne-USDT, USDC, noma i-DAI.
- Qinisekisa Ukusekelwa – Bheka imibiko yokucacisa kanye nezibuyekezo.
- Phakathi Kwezimali – Ungabeki zonke izimali zakho kwi-stablecoin eyodwa.
- Sebenzisa Izimakethe EziThembekile – Ngaso sonke isikhathi sebenza ezinkundleni ezithembekile. ngokuphepha okuqinile.
Isibonelo, ukuhweba ngezimbangi ze-stablecoin ezinkampanini ezifana ne ikhasi lokuhweba le-crypto noma indawo yokuhweba ye-SOL kuqinisekisa ukuthi uphakathi kwemvelo ephephile.
Isiphetho
Izimali ezizinzile zivele njengeyodwa ye izinguquko ezinamandla kakhulu emhlabeni we-crypto. Ngokuhlinzeka ngokuqina kwamanani, ukuhamba kwemali, nezimo zokusetshenziswa ezisebenzayo, zixazulula enye yezithiyo ezinkulu ekwamukeleni i-crypto: ukuguquguquka.
Noma ngabe kubhiziniswana, ukukhokha okuphakathi kwezilwandle, ukuvikela ngokumelene ukwanda, noma ukuhlinzeka ngesistimu ye-DeFi, ama-stablecoin azohlala. Abonisa ibhuloho phakathi kwezezimali zendabuko nekusasa okungahlanganyeli.
Njengoba kwenzekela zonke izinguquko, izingozi zihlala zikhona, kodwa uma zisetshenziswa kahle futhi ziqondiswa, ama-stablecoin angaba imali yedijithali ye-mango, aguqula indlela esigcina, esisebenzisa, futhi sithengisa ngayo emhlabeni jikelele.
