穩定幣：加密貨幣交易的支柱

探索穩定幣的興起、其機制、市場趨勢和監管環境。了解為什麼它們在加密貨幣交易和金融普惠中至關重要。

output: Stablecoins: The Key to Cryptocurrency Transactions Peter Zhang Dec 12, 2024 04:17

輸出：穩定幣：加密貨幣交易的關鍵 Peter 張 2024 年 12 月 12 日 04:17

As cryptocurrency transactions hit new highs, stablecoins have taken center stage, accounting for over two-thirds of the trillions of dollars in crypto transactions, according to a recent report by Chainalysis. These digital currencies, pegged to less volatile assets like fiat currencies or commodities, provide a consistent value, unlike most cryptocurrencies that are prone to price volatility.

根據 Chainaanalysis 最近的一份報告，隨著加密貨幣交易創下新高，穩定幣已佔據中心舞台，佔加密貨幣交易額的三分之二以上。這些數位貨幣與法定貨幣或大宗商品等波動性較小的資產掛鉤，提供一致的價值，這與大多數容易出現價格波動的加密貨幣不同。

What Are Stablecoins? Stablecoins are digital currencies pegged 1:1 to fiat currencies like the US dollar (USD), offering the financial stability necessary for practical use cases. They gained prominence as a medium of exchange and store of value, particularly in regions with monetary instability.

什麼是穩定幣？穩定幣是與美元 (USD) 等法定貨幣 1:1 掛鉤的數位貨幣，為實際用例提供必要的金融穩定性。它們作為交換媒介和價值儲存手段而受到重視，特別是在貨幣不穩定的地區。

Types of Stablecoins Stablecoins maintain their value through various mechanisms:

穩定幣的類型 穩定幣透過各種機制維持其價值：

Fiat-Backed Stablecoins: These stablecoins are fully backed by fiat currencies held in traditional banking institutions or licensed custodians. They maintain a 1:1 peg, ensuring that each stablecoin is backed by an equivalent amount of fiat currency.

法定貨幣支持的穩定幣：這些穩定幣完全由傳統銀行機構或持牌託管人持有的法定貨幣支持。他們維持 1:1 的掛鉤，確保每種穩定幣都有等量的法定貨幣支持。

Crypto-Backed Stablecoins: Stablecoins can also be pegged to other cryptocurrencies, usually over-collateralized to maintain stability. For instance, a stablecoin might be pegged to ETH at a ratio of 1:1.5, where 1.5 ETH backs each stablecoin.

加密貨幣支援的穩定幣：穩定幣還可以與其他加密貨幣掛鉤，通常會進行過度抵押以保持穩定性。例如，穩定幣可能以 1:1.5 的比例與 ETH 掛鉤，其中每個穩定幣有 1.5 ETH 支援。

Algorithmic Stablecoins: These stablecoins aren't pegged to external assets and instead use algorithms to adjust their supply and demand, aiming to maintain a stable value. They're typically pegged to fiat currencies or a basket of assets.

演算法穩定幣：這些穩定幣不與外部資產掛鉤，而是使用演算法來調整其供給和需求，旨在保持穩定的價值。它們通常與法定貨幣或一籃子資產掛鉤。

Market Influence and Adoption Stablecoins serve as a bridge between traditional finance (TradFi) and crypto, providing liquidity within decentralized finance (DeFi) and centralized exchanges (CEXs). Regions like Latin America and Sub-Saharan Africa have seen a surge in stablecoin usage due to monetary instability.

市場影響力和採用穩定幣充當傳統金融（TradFi）和加密貨幣之間的橋樑，為去中心化金融（DeFi）和中心化交易所（CEX）提供流動性。由於貨幣不穩定，拉丁美洲和撒哈拉以南非洲等地區的穩定幣使用量激增。

Regulatory Landscape Stablecoins have become a focal point for regulators globally. The European Union's Markets in Crypto-Assets Regulation (MiCA) aims to create a unified framework for stablecoins. Singapore and Hong Kong have also developed regulatory frameworks to ensure consumer protection and promote innovation.

監管格局穩定幣已成為全球監管機構關注的焦點。歐盟加密資產市場監管（MiCA）旨在為穩定幣創建統一的框架。新加坡和香港也制定了監管框架，以確保消費者保護並促進創新。

Illicit Activity and Regulatory Collaboration Despite their legitimate uses, stablecoins have been exploited for illicit activities like money laundering. However, their inherent transparency makes them a poor choice for illegal activities. Stablecoin issuers are increasingly collaborating with law enforcement to combat financial crime.

非法活動和監管合作儘管穩定幣具有合法用途，但它仍被用於洗錢等非法活動。然而，它們固有的透明度使其成為非法活動的糟糕選擇。穩定幣發行人越來越多地與執法部門合作打擊金融犯罪。

The Future of Stablecoins Stablecoins continue to grow in adoption, supported by regulatory advances aimed at providing clarity and building trust. They offer immense potential for financial inclusion, especially in underserved regions, and are revolutionizing payments and trade finance by reducing costs and increasing speed.input: A recent report by Chainalysis highlights the increasing role of stablecoins in cryptocurrency transactions. These digital currencies, pegged to less volatile assets like fiat currencies or commodities, provide a consistent value, unlike most cryptocurrencies that are prone to price volatility.

穩定幣的未來 在旨在提供透明度和建立信任的監管進步的支持下，穩定幣的採用率持續增長。它們為金融包容性提供了巨大的潛力，尤其是在服務不足的地區，並且透過降低成本和提高速度，正在徹底改變支付和貿易融資。交易中日益重要的角色。這些數位貨幣與法定貨幣或大宗商品等波動性較小的資產掛鉤，提供一致的價值，這與大多數容易出現價格波動的加密貨幣不同。

Stablecoins have become a dominant force in the crypto market, with their transaction volumes dwarfing those of other cryptocurrencies. This massive disparity is driven by several key factors.

穩定幣已成為加密貨幣市場的主導力量，其交易量使其他加密貨幣相形見絀。這種巨大的差異是由幾個關鍵因素造成的。

Cryptocurrency transactions have hit new highs in recent times, with stablecoins playing a pivotal role in these transactions. According to a recent report by Chainalysis, stablecoins now account for over two-thirds of the trillions of dollars in crypto transactions.

加密貨幣交易近年來屢創新高，其中穩定幣在這些交易中發揮關鍵作用。根據 Chainaanalysis 最近的一份報告，穩定幣目前佔加密貨幣交易額的三分之二以上。

These digital currencies, pegged to less volatile assets like fiat currencies or commodities, offer a consistent value, unlike most cryptocurrencies that are prone to price volatility. Stablecoins are designed to maintain a stable value, making them more suitable for practical use cases like payments and everyday transactions.

這些數位貨幣與法定貨幣或大宗商品等波動性較小的資產掛鉤，提供一致的價值，這與大多數容易出現價格波動的加密貨幣不同。穩定幣旨在保持穩定的價值，使其更適合支付和日常交易等實際用例。

As a result, stablecoins have gained widespread adoption as a medium of exchange, particularly in regions with monetary instability. They offer a stable store of value, enabling people to preserve their purchasing power in the face of inflation or economic crises. Stablecoins also serve as a bridge between traditional finance (TradFi) and crypto, facilitatingスムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな資金移動スムーズな

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