I icon yendawo Finance de Demain

Yonke into okufuneka uyazi malunga ne-stablecoins

ezizinzileyo

ezizinzileyo

Imarike ye-cryptocurrency iyaziwa ngokuguquguquka kwayo. Oku kuthetha ukuba amaxabiso emali anganyuka kwaye awele ngokukhawuleza, okwenza kube nzima kubatyalo-mali ukugxila kwingqekembe ethile. Nangona kunjalo, i-stablecoins iyayicombulula le ngxaki. Stablecoins na iimali zedijithali ezixhaswa yi-asethi efana nemali ye-fiat, enye i-cryptocurrencies okanye igolide.

Ii-asethi ezizinzileyo zenza ezi ngqekembe zingachaphazeleki kakhulu kukuguquguquka kwaye zigcine amaxabiso azo ezinzile. Ezinye i-stablecoins zisebenzisa i-algorithm yekhompyutheni ukugcina ixabiso labo lizinzile. Ngokwesiqhelo, iqumrhu elisemva kwe-stablecoins liya kuseka " reserve » apho igcina ngokukhuselekileyo i-asethi okanye ibhaskithi ye-asethi exhasa i-stablecoin.

Pumzekelo, I-1 yezigidi zeedola kwibhanki yakudala (uhlobo olunamasebe kunye nabaxeli kunye nee-ATM kwindawo yokungena) ukubuyisela iiyunithi zesigidi se-stablecoin. Kweli nqaku, ndithetha nawe malunga ne-stablecoins. Kodwa kuqala, ndikumema ukuba yenza eyakho kwiCoinbase, lelona qonga libalaseleyo le-Cryptocurrency kwihlabathi. Masihambe….

Ziziphi ii-stablecoins?

I-Stablecoins yi-cryptocurrencies enenjongo yokuxelisa iimali zemveli. I-stablecoin ngokuqhelekileyo yi-cryptocurrency exhaswa lixabiso le-asethi engaphantsi. Yintoni le asethi esisiseko inokwahluka ukusuka kwigumbi ukuya kwelinye, esiza kuyixubusha kamva kweli nqaku.

Iingqekembe ezininzi ezizinzile zixhonywe kwi-a 1: 1 umlinganiselo ngeemali ezithile ze-fiat. Ezi ziimali ezifana nedola yaseMelika okanye i-euro, ezinokuthengiswa kutshintshiselwano lwezabelo. Abanye iingqekembe ezizinzileyo ziqhotyoshelwe kwezinye iintlobo ze-asethi, ezifana neentsimbi ezixabisekileyo njengegolide okanye ezinye ii-cryptocurrencies.

stablecoins
stablecoins

Stablecoins, bafanele ukuba nexabiso elizinzileyo. Oko kukuthi, bafanele ukuba babambe ixabiso elifanayo ukusuka kwimini oyithenga ngayo ukuya kumhla oyichithayo okanye ukuyithengisa. Oku kungenxa yokuba, ngokungafaniyo nezinye i-cryptocurrencies, ixabiso le-stablecoins ezininzi lisekelwe imali ye-fiat, njengedola yaseMelika, okanye imveliso efana negolide, nangona ii-stablecoins ezininzi namhlanje zibotshelelwe kwidola.

Ngoko ke, abatyali-mali bathenga i-stablecoins ukuba bangenzi inzuzo, kodwa ngakumbi njengendawo yokugcina imali kwiziseko ezingundoqo ze-cryptocurrency kunye nokusetyenziswa xa uthenga kwaye uthengisa ezinye ii-asethi ze-crypto. Zikwasetyenziselwa ezinye iintlobo zokutshintshiselana ngemali, njengokuboleka kunye nokuboleka okanye ukuthumela iintlawulo kumazwe angaphandle. Ngokomzekelo, kumalungu osapho - ngokukhawuleza kakhulu nangokucacileyo kunezinye iindlela.

Isebenza njani iStablecoins ?

Ukuqonda kakuhle indlela i-stablecoins esebenza ngayo, nantsi izinto ezi-5 omele uzazi malunga ne-stablecoins.

🔰 Into yokuqala ukwazi

Inzuzo ye-stablecoins kukuba yenzelwe ukujamelana nokuguquguquka ngokubanzi ukuthetha. Ukongezelela, banokubonelela ngokuhamba kunye nokufikeleleka. Yimali ye-crypto ezinzile ngakumbi ebekwe kwindawo. Oku kuthetha ukuba ayibotshelelwanga kwinkqubo ephakathi okanye kwi-arhente. Oku, kukunika ukuzimela.

🔰 Into yesibini ukwazi

Kukho ezinye izizathu ezininzi zokuba kutheni i-stablecoins ithandwa phakathi kwabatyali-mali. Bavumela ukuhanjiswa kwemali ngokukhawuleza kwaye baqinisekise ubumfihlo bedatha yezemali.

Kanye nale nto, i-stablecoins nayo ivumela abasebenzisi ukuba badlule imirhumo yeenkonzo zemali.

🔰 Into yesithathu ukwazi

Ngeendlela ezininzi, i-stablecoins ayinakufana nolunye utyalo-mali lwe-crypto. Zenzelwe ukuhlala zibekwe ngokwexabiso. Oku kuthetha ukuba nangona ixabiso labo aliyi kuncipha, aliyi kunyuka kwakhona. Oku kunokuqondwa ngokuthelekisa ingqekembe yeUSD kwiBitcoin.

Ukusukela ekusekweni kwayo, ingqekembe ye-USD ayizange itshintshe ukusuka kwixabiso layo le-1 yeedola. I-Bitcoin, kwelinye icala, yayixabiswa I-4 i-dollar 000 ngo-2019 kwaye I-60 i-dollar 000 ngoMeyi 2021.

🔰 Into yesine ukwazi

Kuya kuba bubulumko ukuqwalasela i-stablecoins njengendlela yemali yedijithali. Nangona kunjalo, nangona izinzile, iseyi cryptocurrency. Ngenxa yokot, eli iseliqumrhu elitsha elinokuba nemingcipheko engekafunyaniswa.

🔰 Into yesihlanu ukwazi

I-Cryptocurrency inokuba lukhetho oluyingozi ukuba ufuna ukutyala imali yakho yonke.

Sondela kwi-stablecoins ngengqondo vula kwaye uphonononge indawo. Unokusebenzisa i-stablecoins njengenyathelo lokuqala lokutyala imali kwi-cryptocurrency ethile. Nangona kunjalo, kuya kufuneka ukwazi ukuba yintoni na altcoins kwaye zisebenza njani? 

Yazi iingozi ezinokuthi zibekho kwi-stablecoins

Abatyali-mali abaninzi abanokuthi bayesaba ukutyalomali kwi-crypto. Isizathu kukuba ayikalawuleki kwaye iyabhidisa. Xa kuthelekiswa nezinye ii-cryptocurrencies, i-stablecoin mhlawumbi ibheji ekhuselekileyo ukuba injongo yakho kukubuyisela imali oyityalile. Ngendlela eyakhayo, lisango lokungena kwi-cryptocurrency.

I-stablecoin yi indlela ekhawulezayo nengabizi ukurhweba nge-crypto asethi kunye nokudlulisa imali kwimida. Le ndlela inokuba luncedo ngakumbi kubantu abashiya ilizwe labo ukuya kusebenza kwenye indawo kwaye bafuna ukuthumela imali kwiintsapho zabo. Ukuba i-stablecoin ikhe yamkelwa ngokubanzi njengendlela yokutshintshiselana, inokwenzeka inzuzo kubathengi kunye nabathengisi ngokwemiqathango yokhetho, ukunyuka kokusebenza kunye nokunciphisa imirhumo xa kuthelekiswa neebhanki kunye ikhadi letyala yemveli namhlanje.

Itshilo, kuba zininzi ii-transmitters eyahlukileyo kwi-stablecoins kwaye nganye inemigaqo-nkqubo yayo kwaye inikezela ngamanqanaba ahlukeneyo okwenziwa elubala, kufanele yenza olwakho uphando phambi kokuthenga komnye wabo.

Iindidi zewaranti kwiindawo ezizinzileyo

I-Stablecoins iza kuluhlu lweencasa. I-stablecoins edibeneyo isebenzisa iintlobo ezahlukeneyo ze-asethi njengenkxaso:

I-Fiat: I-Fiat iyona nto ixhaphake kakhulu kwi-stablecoins. Idola yaseMelika yeyona idumileyo phakathi kweemali ze-fiat, kodwa iinkampani zikwajonga ii-stablecoins ezibotshelelwe kwezinye iimali ze-fiat, njenge-BiLira, exhonywe kwi-lira yaseTurkey.

Iintsimbi ezixabisekileyo. Ezinye ii-cryptocurrencies zinxulunyaniswa nexabiso leentsimbi ezixabisekileyo ezifana negolide okanye isilivere.

Iimali zemali. Ezinye ii-stablecoins zide zisebenzise ezinye ii-cryptocurrencies, njenge-ether, uphawu lwendabuko lwenethiwekhi ye-Ethereum, njengesibambiso.

Olunye utyalo-mali: I-USDT yeTether yayikhe yenzelwe ukuxhaswa nge-1-to-1 ngeedola. Kodwa ukuxubana kwayo okubambisayo kutshintshile ngokuhamba kwexesha, kwaye ekuqhekekeni okubonelelwe ngo-2021, inkampani yathi phantse isiqingatha sogcino lwayo kwiphepha lentengiso, uhlobo lwetyala leshishini lexesha elifutshane. Akazange achaze abakhupheli bolu xwebhu, kodwa uthi bonke balinganiswe A-2 okanye ngaphezulu.

Zeziphi ezona stablecoins zidumileyo?

Ukukunika incasa yovavanyo olwenzekayo kumhlaba we-stablecoin, makhe siqhube ngezinye zee-stablecoins ezidumileyo.

🔰 Diem

Diem (ngaphambili yayibizwa ngokuba yiLibra) yi-stablecoin kwimisebenzi, eyilwe ekuqaleni yi-platform ye-social media ye-Facebook enamandla. Nangona i-Libra ayizange iqalise, ibe nempembelelo yengqondo ngaphezu kwayo nayiphi na enye i-stablecoin. Oorhulumente, ngokukodwa i-China, ngoku bahlola i-crypto-inspired digital currencies, ngokuyinxenye kuba besaba ukuba babeka isoyikiso sokukhuphisana, njengoko i-Facebook yizizwe ngezizwe kunye neebhiliyoni zabasebenzisi kwihlabathi jikelele.

Ekuqaleni, iDiem Association, imanyano esekwe nguFacebook, yathi iDiem iya kuxhaswa ngu "sijikeleza"Iimali, kuquka idola yaseMelika kunye ne-euro. Kodwa ngenxa yeenkxalabo zolawulo lwehlabathi, umbutho uye warhoxa kumbono wawo wamabhongo. Endaweni yoko, ngoku uceba ukugxila ekuphuhliseni ii-stablecoins ezininzi, nganye ixhaswa imali yesizwe eyahlukileyo.

🔰 Ukumisela

Tether (USDT) yenye stablecoins endala, yasungulwa ngo 2014, kwaye yeyona idumileyo ukuza kuthi ga ngoku. Yenye yezona zinto zibalulekileyo ze-cryptocurrensets ngokwemali yentengiso. Imeko ephambili yokusetyenziswa kwe-USDT kukukhawuleza ukuhambisa imali phakathi kotshintshiselwano ukuze usebenzise amathuba e-arbitrage xa ​​ixabiso le-cryptocurrensets lihluke kwiimbini zokutshintshiselana; abarhwebi banokwenza imali kolu kusasazo.

Tether Ltd., inkampani ekhupha i-USDT, iye yabandakanyeka kwimfazwe yomthetho yeenyanga ezingama-22 kunye nommeli-jikelele waseNew York ngezityholo zokuba i-Bitfinex (inkampani engudade waseTether) yazama ukufihla i-850 yezigidi zeedola usebenzisa imali ethathwe kwi-Tether.

Ekugqibeleni, umcimbi waba ihlaziywe ngoFebruwari 23, 2021, I-Tether kunye ne-Bitfinex inyanzelekile ukuba ihlawule 18,5 iidola ezigidi kwaye ungenise iingxelo zekota ezibonisa oovimba baseTether's stablecoin kule minyaka mibini izayo.

🔰 Imali ye-USD

Yaziswa ngo-2018, i-USD Coin yi-stablecoin elawulwa ngokudibeneyo yinkampani ye-cryptocurrency Circle kunye ne-Coinbase ngokusebenzisa i-Center Consortium. Njengomdibaniso phambi kokuba ifudukele kwindibaniselwano yee-asethi zesibambiso, i-USD Coin ibotshelelwe kwidola yaseMelika ngobonelelo olujikelezayo oluphantse lube ngama-26 eebhiliyoni zeedola.

🔰 Dai

Ukubaleka kwi-protocol ye-MakerDAO, i-Dai yi-stablecoin kwi iEthereum blockchain. Idalwe kwi-2015, i-dai igxininiswe kwi-dollar yase-US kwaye ixhaswa yi-ether, ithokheni emva kwe-Ethereum.

Ngokungafaniyo nezinye i-stablecoins, i-MakerDAO inenjongo yokunikezelwa, oku kuthetha ukuba akukho gunya eliphakathi elinoxanduva lokulawula inkqubo. Kunoko, iikontraki ze-Ethereum ezihlakaniphile - ezifakela imigaqo engenakuguqulwa - ibe nalo msebenzi endaweni yoko. Kusekho iingxaki malunga nale modeli entsha, nangona kunjalo; umzekelo, ukuba izivumelwano smart leyo ixhasa iMakerDAO ayisebenzi kanye njengoko kulindelekile.

Phuma kuguqulelo oluphathwayo