Yonke into okufuneka uyazi malunga ne-stablecoins

Imarike ye cryptomonnaies yaziwa 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 yesikolo esidala (uhlobo olunamasebe kunye nabaxeli kunye nee-ATM kwi-lobby) ukubuyisela iiyunithi zesigidi se-stablecoin. Kweli nqaku ndithetha nawe malunga ne-stablecoins. Kodwa kuqala, ndikumema ukuba yenza eyakho kwiCoinbase, lelona qonga lihle kakhulu le-Cryptocurrency emhlabeni

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, bafanele ukuba nexabiso elizinzileyo. Oko kukuthi, balindeleke ukuba babambe ixabiso elifanayo ukususela kumhla oyithenga ngawo ukuya kumhla oyichitha okanye uyirhweba.

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.

🌿 Yile ndlela i-stablecoins isebenza ngayo

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. Funda ngakumbi malunga ezezimali ezinatyisiweyo.

🔰 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 nokuba yintoni na iialtcoins 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, eli 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. Iingqekembe ezizinzileyo ezizinzileyo zisebenzisa iintlobo ngeentlobo zee-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 zibotshelelwe kwixabiso leentsimbi ezixabisekileyo ezifana negolide okanye isilivere.

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

Olunye utyalo-mali: I-Tether ye-USDT yayifanele ukuba ixhaswe kwi-1 ukuya kwi-1 ngeedola. Kodwa ingxubevange yayo itshintshile ngokuhamba kwexesha, kwaye kuqhekeko olubonelelwe 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 kwilizwe le-stablecoins, makhe sijonge ezinye 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, kuqukwa neTshayina, ngoku baphonononga ezabo iimali zedijithali eziphefumlelwe nge-crypto, ngokuyinxenye kuba boyika ukuba bangenza isoyikiso sokukhuphisana, njengoko i-Facebook iyinkampani yezizwe ngezizwe enezigidi ngezigidi zabasebenzisi kwihlabathi liphela.

Ekuqaleni, iDiem Association, imanyano esekwe nguFacebook, yathi iDiem iya kuxhaswa ngu “sijikeleza” iimali, kuquka idola yaseMelika kunye neyuro.

Kodwa ngenxa yeenkxalabo zolawulo lwehlabathi, umbutho uye warhoxa kumbono wawo wamabhongo. Kunoko, ngoku iceba ukugxila ekuphuhliseni i-stablecoins ezininzi, nganye ixhaswa yi- 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 yazibandakanya kwimfazwe yomthetho yeenyanga ezingama-22 kunye negqwetha jikelele laseNew York ngezityholo zokuba i-Bitfinex (inkampani kadade waseTether) yazama ukufihla i-dollar eyi-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, uMenziDAO unenjongo yokuba i-dai ibe yi-decentralized, oku kuthetha ukuba akukho gunya eliphakathi lokulawula inkqubo. Endaweni yoko, izivumelwano smart I-Ethereum - edibanisa 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.