Deenar (DEEN)：由實體黃金支持的符合伊斯蘭教法的新型穩定幣

穩定幣以其獨特的「穩定」特徵而聞名，這將其與其他類型的高度波動且容易受市場情緒影響的數位資產區分開來，但一種新的穩定幣正在打破更多障礙，因為它不僅符合伊斯蘭教法，也是由「非政治」資產支持的代幣。

A new stablecoin, known as Deenar (DEEN), has recently entered the cryptocurrency market, aiming to stand out with its unique characteristics. Unlike most stablecoins that are pegged to fiat currencies, DEEN is backed by a "non-political" asset—one gram of gold.

一種名為 Deenar (DEEN) 的新型穩定幣最近進入了加密貨幣市場，旨在以其獨特的特性脫穎而出。與大多數與法定貨幣掛鉤的穩定幣不同，DEEN 由「非政治」資產——一克黃金支持。

The stable token is issued by fiduciary standard and registered in Switzerland, ensuring compliance and security. It is also built on ERC-20 protocols and is compatible with HAQQ and Ethereum wallets.

穩定通證按照信託標準發行，並在瑞士註冊，確保合規性和安全性。它還基於 ERC-20 協議構建，並與 HAQQ 和以太坊錢包相容。

DEEN tokens are redeemable to high-purity physical gold, and are 100% halal digital coins. A very significant feature of the Deenar is that 1% of sales goes to charity, paving the way for a more purposeful way of using crypto.

DEEN 代幣可兌換為高純度實體黃金，並且是 100% 清真數位硬幣。 Deenar 的一個非常重要的特點是 1% 的銷售額捐給慈善機構，為更有目的的使用加密貨幣鋪平了道路。

In an exclusive with International Business Times, Maruf Yusupov, the co-founder of Deenar, talked about the journey toward launching the token, what makes it special, and why it could be a better investment than physical gold.

在《國際商業時報》的獨家報道中，Deenar 聯合創始人 Maruf Yusupov 談到了推出該代幣的歷程、它的特別之處以及為什麼它可能是比實體黃金更好的投資。

The goal in the journey to creating Deenar was to develop a stablecoin that "genuinely stands out." To achieve the said goal, the team prioritized determining which reserve should back the token to ensure its stability. Most stablecoins are pegged to fiat currencies, but the Deenar team opted for a completely different route forward.

創建 Deenar 的目標是開發一種「真正脫穎而出」的穩定幣。為了實現上述目標，團隊優先確定哪個儲備金應該支持代幣以確保其穩定性。大多數穩定幣都與法定貨幣掛鉤，但 Deenar 團隊選擇了完全不同的前進路線。

"Gold provides a tangible and reliable asset base, making Deenar a stable hedge against inflation and economic uncertainty," he said. He noted how the value of major fiat currencies such as the U.S. dollar and the euro has largely been affected by inflation in the last decade.

他表示：“黃金提供了有形且可靠的資產基礎，使 Deenar 成為抵禦通膨和經濟不確定性的穩定對沖工具。”他指出，在過去十年，美元和歐元等主要法定貨幣的價值在很大程度上受到通貨膨脹的影響。

The Deenar provides a host of benefits for its users – stability and purposeful transactions – but there are three top qualities that make it stand out in the stablecoin market.

Deenar 為其用戶提供了一系列好處——穩定性和有目的的交易——但它具有三個頂級品質，使其在穩定幣市場中脫穎而出。

First, the digital coin is backed by gold, which Yusupov notes is a "non-political" asset. "It's not tied to any one country's economic policies. It's a global asset that remains valuable regardless of the actions of individual governments," he explained.

首先，數位貨幣由黃金支持，尤蘇波夫指出黃金是一種「非政治」資產。 「它與任何一個國家的經濟政策無關。它是一項全球資產，無論個別政府的行動如何，它仍然有價值，」他解釋道。

Yusupov's comments are backed by data. Tether (USDT), a U.S. dollar-backed stablecoin, has been on a rocky path in the past 24 hours, as per data from CoinGecko. The same can be said about the USD Coin (USDC), another stablecoin pegged to the U.S. dollar.

尤蘇波夫的評論有數據支持。根據 CoinGecko 的數據，以美元支持的穩定幣 Tether (USDT) 在過去 24 小時內一直處於不穩定狀態。另一種與美元掛鉤的穩定幣美元硬幣（USDC）也是如此。

Another top distinctive feature of the DEEN is Shariah compliance. "Our stablecoin is potentially the only halal option in the industry. We've ensured that Deenar is fully compliant with Shariah law, avoiding practices like interest (riba) and maintaining ethical financial dealings," Yusupov said. The token has also received a fatwa to reflect its Shariah compliance.

DEEN 的另一個顯著特徵是符合伊斯蘭教法。 「我們的穩定幣可能是業內唯一的清真選擇。我們確保 Deenar 完全符合伊斯蘭教法，避免利息 (riba) 等做法，並保持道德的金融交易，」尤蘇波夫說。該代幣還收到了追殺令，以反映其符合伊斯蘭教法。

Finally, the Deenar is a digital asset championing inclusion. For the DEEN team, it is crucial to reach unbanked and underbanked populations, especially in Muslim-majority regions. "By leveraging blockchain, this stablecoin offers secure, low-cost financial transactions, making it an accessible tool for those who have traditionally been excluded from the financial system," Yusupov said.

最後，Deenar 是一種倡導包容性的數位資產。對於 DEEN 團隊來說，覆蓋無銀行帳戶和銀行服務不足的人群至關重要，尤其是在穆斯林占多數的地區。尤蘇波夫說：“透過利用區塊鏈，這種穩定幣提供安全、低成本的金融交易，使其成為那些傳統上被排除在金融體系之外的人的可用工具。”

In an age where people are in search of assets that will give them the best gains from their investments, the Deenar offers an alternative to the hassle of physically managing gold.

在人們尋求能夠從投資中獲得最佳收益的資產的時代，Deenar 為人們提供了一種替代實體管理黃金的方法。

For one, storing physical gold is very complex and can be very expensive. DEEN, the first gold-backed token on Cosmos, either eliminates or significantly reduces the costs that come with physical gold storage. "You're basically investing in a digital version of gold, which is a far more cost-effective option for investors who want to avoid the overhead associated with physical storage," Yusupov said.

其一，儲存實體黃金非常複雜，而且可能非常昂貴。 DEEN 是 Cosmos 上第一個黃金支持的代幣，它可以消除或大幅降低實體黃金儲存的成本。尤蘇波夫說：“你基本上是在投資數位版的黃金，對於想要避免與實體儲存相關的開銷的投資者來說，這是一個更具成本效益的選擇。”