Dapre Filozòf Angle; John Locke, tout bagay nan yon eta de flux. Deklarasyon sa a tout tan tout tan vre pou peman yo ak sistèm finansye mondyal kote bagay yo te chanje anpil nan dis dènye ane yo. Moun yo te de pli zan pli dekouvri opsyon peman pratik, an sekirite ak enstantane ak anpil inovasyon.
Akòz inovasyon sa yo, sistèm bankè tradisyonèl la te fè fas ak anpil dezòd nan men demaraj ak gwo konpayi teknoloji. "Dezòd" sa yo te mennen nan solisyon peman Yo Vann an Detay toupatou ak efikas atravè fwontyè. Youn nan anpil dezòd se avènement stablecoins.
In the last two years, stablecoins have significantly gained popularity, and curious investors have gotten into the world of stablecoins. Most traders admit that it is a great way to stay balanced in an ever-volatile cryptomache lajan an.
Nou pral kouri atravè tout sa ou bezwen konnen sou stablecoins. Nou pral di w tou poukisa stablecoins enpòtan ak ki jan ou ka ogmante yo nan dosye envestisman ou epi fè pwogrè.
Ki sa ki se yon Stablecoin?
In cryptocurrency, the value of a coin is based on its overall market value. The market value is influenced by the forces of demand and supply. These forces are affected mainly by the level of trust that traders have in a particular cryptolajan.
Kontrèman ak cryptocurrencies, Stablecoins are oftentimes backed by tangible assets verifiable either on the Blockchain or by the appropriate organization’s disclosures.
Also, with the stability that stablecoins offer and the instant processing and security that the blockchain provides, it looks like there will be a lot of stablecoins going around in the future.
With stablecoins, the world of finance can blur the lines between fiat currencies, like the U.S. dollar and cryptolajan.
Kalite Stablecoins
Malgre ke sa a se pa konsantre prensipal la nan atik sa a, nou pral yon ti tan manyen sou kalite prensipal yo nan stablecoins. Sa a pral ban nou yon pi bon konpreyansyon sou fason stablecoins opere.
Fiat-backed stablecoins
Premye kalite stablecoins yo sipòte pa lajan fiat ki soti nan yon bank santral. Nan ka sa a, stablecoin a se tou senpleman yon reprezantasyon nan menm estrikti kolateral lajan sa a. Pou egzanp, ou ka posede yon pati nan yon lajan monn reyèl tankou USD a lè w kenbe stablecoin ki te sipòte pa yon rapò youn-a-yon dola a.
Pou likide yon stablecoin ki sipòte fiat, ou senpleman bezwen detwi stablecoin a epi retire ekivalan USD ou a. Sa a se gwo paske ou ka rès asire ke valè a se reprezantasyon an dijital nan dola ameriken an.
Pafwa gen dout sou egzistans rezèv (mwen ap gade ou, Tether...) men pandan mwa ki sot pase yo, divilgasyon sou byen yo itilize pou fè bak yo te ogmante pou kèk nan pi gwo stablecoins ki te sipòte fiat tankou USDC.
Crypto-backed stablecoins
Kòm non an implique, Crypto-backed stablecoins operate similarly to fiat-backed ones. However, the difference is that these stablecoins are backed with another cryptolajan.
Another difference is the ratio between the collateral and the stablecoin. This is a result of the instability of crypto when compared to fiat currencies.
With fiat currencies like the dollar, you can be sure of a one-to-one ratio. However, crypto-backed stablecoins have a higher collateralization ratio.
Hence, the value of a crypto-backed stablecoin depends on the value of the cryptocurrency in question. This way, the entire system exists on the blockchain and could have many use cases.
Egzanp enpòtan yo se pyès monnen tankou DAI ak RAI.
Stablecoins ki pa gen oswa pasyèlman garanti
Kontrèman ak both kinds of stablecoins listed above, these kinds of stablecoins perform the functions of a central bank using smart contracts. These contracts are monitored using AI-powered algorithms that monitor the prices of these stablecoins.
Nan ka kote lajan tankou dola ameriken an oswa Etè tonbe, stablecoins ki pa garanti yo ta, an teyori, siviv kòm yon fason pou estoke valè.
FRAX se yon bon egzanp pou yon stablecoin pasyèlman garanti.
Most Popular Stablecoins in the Crypto Market
Kounye a ke nou konnen ki kalite stablecoins, ann gade kèk nan stablecoins ki pi popilè sou mache a:
USDT
Also known as Tether, this stablecoin is pegged against the U.S. dollar and it maintains a 1-to-1 ratio with the U.S. dollar. It is a blockchainki baze sou cryptocurrency whose tokens are always equivalent to USD$1.00.
Tether is also a major source of liquidity for the crypto mache. Dapre CryptoCompare, 57% of bitcoin trading in February 2021 was done against USDT. The USDT has been designed as both a storage medium and a mode of storing value.
Based on its market value of more than $78 billion in February 2022, Tether is the third-biggest cryptolajan nan mond lan.
Malgre ke li vo mansyone ke gen kèk enkyetid ak Tether, kòm envestisè yo enkyete ke Tether pa gen ase rezèv dola pou fè bak pikèt dola li yo nan apeprè $ 78 milya dola.
USDC (yon pyès monnen ki estab reglemante)
The USD coin (USDC) is also pegged with the U.S. dollar, and is an Ethereum based stablecoin with representations on other chains as well. It was created to tokenize the US dollar.
It was launched via a collaboration between crypto exchange Coinbase and financial service provider, Circle in 2018.
Malgre ke pyès monnen sa a fèt pou li estab, li tou ale nan chanjman pri modere. Sa a se souvan yon rezilta nan chanjman nan rezèv ak demann. USDC te nan yon maksimòm tout tan nan $ 1.19 ak yon ba tout tan nan $ 0.89.
Gen mwens mangonmen ak USDC paske nouvo marqueur yo bay sèlman sou demann. Pou kreye yon nouvo siy, ou bezwen voye ekivalan USD a nan kont labank konpayi siy la.
DAI (kolateralize ak desantralize pyès monnen)
DAI is another popular stablecoin that is linked to the value of the U.S. dollar. DAI maintains a 1:1 ratio with the US dollar by locking other crypto assets in contracts. DAI is run by MakerDAO using an open-source software called the Maker protocol platform. It is a decentralized application that runs on the Ethereum blockchain.
It operates with DeFi (decentralized finance) features that enable borrowing, lending and trading. It can be bought directly from crypto exchanges using fiat currencies like the U.S. dollar or the Canadian dollar.
Kontrèman ak lòt stablecoins ki jwenn valè yo nan lòt byen, DAI kenbe valè li lè l sèvi avèk dèt garanti nan ETH.
DAI is designed in a way that the supply of DAI cannot be altered by any party. With the use of smart contracts on the Ethereum blockchain, the system can respond to changes in the market prices of the assets.
Risk pou mache a soti nan pyès monnen ki estab
Pandan ke stablecoins prezante yon reyon espwa, gen tou enkyetid nan men ekonomis ak analis finansye. Gen kèk ki te montre posiblite pou yon efondreman mache kòm yon rezilta nan yon kaskad nan evènman yo.
The whole essence of the blockchain is decentralization: The fact that the system is decentralized and power does not lie with a single party. It is the reason why blockchain technology is edging away from traditional finance.
Sepandan, ak stablecoins, kouch sa a nan transparans ak imuabilite yo kesyone. Sa a se paske yon sèl antite kontwole yon gwo rezèv nan stablecoins. Pou egzanp, USDT kontwole pa yon konpayi ki rele Tether. Konpayi sa a kontwole to distribisyon USDT a epi li pral opere sitou ak enterè li nan kè.
Lòt stablecoins, tankou USDC fè fas a siyifikatif risk regilatè Ameriken yo pandan ke lòt moun, tankou DAI, yo pasyèlman garanti lè l sèvi avèk lòt stablecoins tankou USDC. Tout bagay sa yo ansanm kreye risk estabilite nan tout ekonomi DeFi a.
Epitou, ak stablecoins yo te fikse nan lajan fiat, gen yon risk pou enflasyon. Se poutèt sa ou bezwen gaye byen ou nan plizyè stablecoins epi evite Evaris.
Awondi…
Today, Bitcoin remains the most popular cryptocurrency. However, there have been many price fluctuations over the last years.
Apati anviwon $3,000 nan wotè pandemi an 2020; a $69,000 nan 2021, ak Lè sa a, plonje pa plis pase 50% nan apeprè $35,000.
Although these fluctuations may seem normal to crypto traders, they often concern outsiders. That’s why the advent of stablecoins (if they can maintain stability) is a welcome development.
Stablecoins continue to grow as part of the financial market structure. However, it is expected that there will be more scrutiny and set rules to govern the way these stablecoins (and cryptocurrency at large) operate.