什麼是Stablecoin？

如果您曾經希望獲得任何價值不大的加密貨幣，那麼穩定的是答案。與比特幣或其他揮發性數字資產不同，Stablecoins旨在保持穩定的價格

If you’re tired of cryptocurrencies wildly swinging in value, you’ll want to meet their more stable counterparts: stablecoins.

如果您厭倦了加密貨幣的價值搖擺，那麼您需要遇到他們更穩定的對應物：Stablecoins。

Unlike Bitcoin or other volatile digital assets, stablecoins are designed to maintain a steady price, making them a practical choice for everyday transactions, savings, and trading.

與比特幣或其他揮發性數字資產不同，Stablecoins旨在保持穩定的價格，使其成為日常交易，儲蓄和交易的實用選擇。

These coins stay stable by being backed by fiat currency, reserves, or smart contracts. They also serve as a bridge between traditional banking systems and crypto.

這些硬幣通過以法定貨幣，儲備金或智能合約的支持來保持穩定。它們還充當傳統銀行系統與加密貨幣之間的橋樑。

There are different types of stablecoins, each with a unique way of maintaining stability.

有不同類型的Stablecoins，每種都有一種保持穩定性的獨特方法。

To understand how they work and their role in the evolving crypto landscape, let’s delve into the world of stablecoins.

要了解它們的工作方式及其在不斷發展的加密景觀中的作用，讓我們深入研究Stablecoins的世界。

What is an Example of Stablecoins?

stablecoins的例子是什麼？

Stablecoins exist in different forms. Each type is designed to maintain price stability using specific mechanisms. Some of the most widely used stablecoins include:

穩定劑以不同的形式存在。每種類型旨在使用特定機制維持價格穩定性。一些使用最廣泛的穩定劑包括：

Is Bitcoin a Stablecoin?

比特幣是穩定的嗎？

No, Bitcoin is not a stablecoin. Its price changes constantly based on demand and investor activity.

不，比特幣不是穩定的。它的價格根據需求和投資者活動不斷變化。

However, stablecoins are designed to keep a fixed value, like being directly tied to the U.S. dollar.

但是，Stablecoins旨在保持固定價值，例如直接與美元捆綁在一起。

In early 2025, Bitcoin experienced a surge from $70,000 to over $100,000. Market trends and policy shifts caused this rapid increase.

在2025年初，比特幣經歷了從70,000美元到超過100,000美元的增長。市場趨勢和政策轉變導致這種迅速增加。

Such significant price swings make Bitcoin unreliable for stable transactions, especially in today’s rapidly changing economic landscape.

如此巨大的價格波動使比特幣對穩定的交易不可靠，尤其是在當今迅速變化的經濟格局中。

On the other hand, stablecoins like USDT and USDC maintain a relatively steady value.

另一方面，像USDT和USDC這樣的穩定​​幣保持相對穩定的價值。

Despite minor fluctuations, they closely follow the U.S. dollar, making them a more reliable cryptocurrency for payments and everyday use.

儘管有輕微的波動，但它們仍遵循美元，使其成為付款和日常使用的更可靠的加密貨幣。

The stablecoin market is growing rapidly and is expected to reach $3 trillion over the next five years. Experts anticipate that USDT and USDC will remain dominant due to their high level of trust and liquidity.

Stablecoin市場的增長迅速，預計未來五年將達到3萬億美元。專家預計，由於其高度信任和流動性，USDT和USDC將保持主導地位。

What is the Point of a Stablecoin?

穩定的重點是什麼？

In a market like crypto, where things can get dicey quickly, stablecoins provide a beacon of predictability. They offer faster and cheaper transactions while making digital finance more reliable.

在像加密貨幣這樣的市場中，事情可能會很快變得陷入困境，Stablecoins提供了可預測性的燈塔。他們提供更快，更便宜的交易，同時使數字融資更可靠。

Moreover, stablecoins serve as a bridge between traditional banking and crypto assets, streamlining cross-border payments.

此外，Stablecoins充當傳統銀行和加密資產之間的橋樑，簡化了跨境支付。

This allows businesses and individuals to use them for everyday transactions without worrying about sudden price changes or compatibility issues.

這使企業和個人可以將它們用於日常交易，而不必擔心突然的價格變化或兼容性問題。

Key Benefits of Stablecoins:

Stablecoins的主要好處：

Here is what Stablecoins offer:

這是Stablecoins提供的：

How Do Stablecoins Work?

Stablecoins如何工作？

Stablecoins function through a structured process that ensures stability and transparency. Their value remains constant because they are backed by assets or controlled by smart contracts.

通過結構化過程確保穩定性和透明度的結構化過程。它們的價值保持恆定，因為它們得到資產的支持或由智能合約控制。

When a company issues stablecoins, they are recorded on a ledger system. This ledger keeps track of ownership and transactions, guaranteeing security and preventing crypto fraud.

當公司發行穩定幣時，它們會記錄在分類帳系統上。該分類帳會跟踪所有權和交易，保證安全和防止加密欺詐。

Users store their stablecoins in digital wallets, enabling them to safely send, receive, and store funds.

用戶將其穩定幣存儲在數字錢包中，使他們能夠安全發送，接收和存儲資金。

Smart contracts adjust the supply as needed. If demand increases, the system creates new stablecoins. Conversely, if demand drops, excess coins are removed from circulation.

智能合約根據需要調整供應。如果需求增加，系統會創建新的穩定劑。相反，如果需求量下降，則將過量的硬幣從循環中取出。

This helps maintain a stable value, making stablecoins a reliable financial instrument in the crypto market.

這有助於保持穩定的價值，使Stablecoins成為加密貨幣市場中可靠的金融工具。

Types of Stablecoins

穩定的類型

Stablecoins use different methods to maintain a steady value. They fall into four main categories based on what backs them:

Stablecoins使用不同的方法來維持穩定的價值。他們根據支持它們的支持分為四個主要類別：

Why Are Stablecoins So Important?

為什麼Stablecoins如此重要？

Cryptocurrencies like Bitcoin and Ethereum are known for their volatile prices, making them unsuitable for everyday transactions.

像比特幣和以太坊這樣的加密貨幣以其波動的價格而聞名，使其不適合日常交易。

However, stablecoins provide a stable cryptocurrency that can be used for daily payments. Their stability is crucial for businesses using them for payroll, cross-border transfers, and other transactions.

但是，Stablecoins提供了穩定的加密貨幣，可用於日常付款。它們的穩定性對於使用它們進行工資，跨境轉移和其他交易的企業至關重要。

In decentralized finance (DeFi), stablecoins are used to facilitate lending, borrowing, and liquidity. Many financial institutions are integrating stablecoins into their digital payment systems to reduce costs and increase efficiency.

在分散的金融（DEFI）中，使用穩定的穩定劑用於促進貸款，借貸和流動性。許多金融機構正在將Stablecoins整合到其數字支付系統中，以降低成本並提高效率。

Stablecoins are also subject to audits to ensure the trustworthiness of their stated reserves. Critics argue that fiat currencies already serve this purpose.

穩定幣也受到審核的約束，以確保其既定儲備的可信賴性。批評者認為，法定貨幣已經達到了這個目的。

On the other hand, proponents believe that decentralized assets hold the key to the future of finance, free from government control.

另一方面，支持者認為，分散資產是財務未來的關鍵，這是沒有政府控制的。

As stablecoins continue to evolve, they have the potential to transform the financial landscape. They provide a secure link between banks and digital assets, opening up new possibilities for cross-border payments and financial inclusion.

隨著Stablecoins的不斷發展，它們有可能改變金融格局。它們提供了銀行和數字資產之間的安全聯繫，為跨境支付和財務包容開闢了新的可能性。