穩定幣和錢包：DeFi 的基石

穩定幣是一種加密貨幣，旨在透過將其價值與特定資產或一籃子資產掛鉤來提供價格穩定性。錢包作為 DeFi 的門戶，允許用戶儲存、發送數位資產並與之互動。

input: A beginner's guide to stablecoins and wallets in DeFi

輸入：DeFi 中穩定幣和錢包的初學者指南

Stablecoins are a type of cryptocurrency that is designed to maintain a stable value, typically pegged to a fiat currency like the US dollar. They serve as a crucial foundation for the decentralized finance (DeFi) ecosystem, enabling users to navigate the volatility of cryptocurrencies while engaging in various DeFi applications.

穩定幣是一種旨在保持穩定價值的加密貨幣，通常與美元等法定貨幣掛鉤。它們是去中心化金融（DeFi）生態系統的重要基礎，使用戶能夠在參與各種 DeFi 應用程式的同時應對加密貨幣的波動性。

Stablecoins play a central role in the DeFi landscape by offering a stable and efficient medium for storing and transferring value. They provide users with the ability to participate in DeFi activities without being directly exposed to the price fluctuations of cryptocurrencies, which can be particularly beneficial for those seeking to preserve the purchasing power of their digital assets.

穩定幣透過提供穩定、高效的價值儲存和轉移媒介，在 DeFi 領域發揮核心作用。它們使用戶能夠參與 DeFi 活動，而無需直接受到加密貨幣價格波動的影響，這對於尋求保持數位資產購買力的人來說尤其有利。

Moreover, stablecoins hold the distinction of being the first and most widely used type of Real-World Asset (RWA) in the crypto domain. This integration of traditional financial instruments into the crypto world marks a significant step towards bridging the two spheres.

此外，穩定幣是加密領域中第一種也是使用最廣泛的現實世界資產（RWA）類型。傳統金融工具與加密貨幣世界的整合標誌著朝著彌合兩個領域邁出的重要一步。

Top Stablecoins by Market Capitalization:

按市值排名最高的穩定幣：

Stablecoins achieve their price stability through various mechanisms, each with its own strengths and limitations:

穩定幣透過各種機制實現價格穩定，每種機制都有自己的優點和限制：

Risks of Stablecoins

穩定幣的風險

Despite their valuable role in DeFi, stablecoins are not without risks, which vary depending on the specific stablecoin and its design. Some of the key risks to consider include:

儘管穩定幣在 DeFi 中發揮重要作用，但它並非沒有風險，具體風險取決於特定的穩定幣及其設計。需要考慮的一些主要風險包括：

Wallets: Securing Your Digital Assets in the Crypto Realm

錢包：保護您在加密領域的數位資產

In the vast landscape of DeFi, wallets serve as the gateways to digital assets, enabling users to store, send, and interact with their crypto holdings. Depending on the intended use case, these wallets vary in terms of security, functionality, and accessibility.

在 DeFi 的廣泛領域中，錢包充當數位資產的門戶，使用戶能夠儲存、發送其持有的加密貨幣並與之互動。根據預期的用例，這些錢包在安全性、功能性和可訪問性方面有所不同。

Types of Wallets

錢包類型

Hot Wallets:

熱錢包：

A hot wallet is a software-based crypto wallet that is connected to the internet, enabling users to quickly access and manage their digital assets. These wallets offer convenience and ease of use, making them suitable for frequent transactions and smaller amounts of crypto assets. However, being online also means they are more susceptible to hacking attempts and vulnerabilities.

熱錢包是一種基於軟體的加密錢包，連接到互聯網，使用戶能夠快速存取和管理他們的數位資產。這些錢包方便易用，適合頻繁交易和少量加密資產。然而，在線也意味著他們更容易受到駭客攻擊和漏洞的影響。

Popular hot wallets include MetaMask, Trust Wallet, and Coinbase Wallet.

受歡迎的熱錢包包括 MetaMask、Trust Wallet 和 Coinbase Wallet。

Hardware wallets, on the hand, are physical devices, typically resembling a USB drive, that are designed to securely store a user's private keys offline. By keeping crypto assets in cold storage and generating transactions on an air-gapped device, hardware wallets provide a high level of protection against online threats and vulnerabilities. They are particularly suited for users holding substantial amounts of crypto assets and prioritizing long-term storage.

另一方面，硬體錢包是實體設備，通常類似於 USB 驅動器，旨在安全地離線儲存用戶的私鑰。透過將加密資產保存在冷儲存中並在氣隙設備上產生交易，硬體錢包提供了針對線上威脅和漏洞的高水準保護。它們特別適合持有大量加密資產並優先考慮長期儲存的用戶。

Some well-known hardware wallets are Ledger, Trezor, and SafePal.

一些著名的硬體錢包有 Ledger、Trezor 和 SafePal。

Multi-Signature (Multi-Sig) Wallets:

多重簽名（Multi-Sig）皮夾：

Multi-signature (multi-sig) wallets, such as those offered by Gnosis Safe and Qredo, cater to the needs of organizations and DAOs by facilitating secure fund transfers, governance, and compliance with multi-party approval processes. These wallets combine the benefits of hardware wallets with the ability to manage digital assets collectively, ensuring both security and operational efficiency.

多重簽名（multi-sig）錢包，例如 Gnosis Safe 和 Qredo 提供的錢包，透過促進安全的資金轉移、治理和遵守多方審批流程來滿足組織和 DAO 的需求。這些錢包將硬體錢包的優點與集中管理數位資產的能力結合起來，確保安全性和營運效率。

For instance, a DAO might use a multi-sig wallet to require the approval of multiple members for any transactions above a certain threshold, ensuring transparency and collective decision-making.

例如，DAO 可能會使用多重簽名錢包來要求超過特定閾值的任何交易獲得多個成員的批准，從而確保透明度和集體決策。

Bonus: Mind Storage

獎勵：心靈儲存

An interesting and secure storage method for digital assets like Bitcoin is to keep it on a hardware wallet, with the private key memorized (not written down). This approach makes it virtually impossible for external parties to confiscate your crypto assets, as they are stored entirely within your mind.

對於像比特幣這樣的數位資產，一種有趣且安全的儲存方法是將其保存在硬體錢包中，並記住（而不是寫下）私鑰。這種方法使得外部各方幾乎不可能沒收您的加密資產，因為它們完全儲存在您的腦海中。

This method ensures both privacy and control, as only you retain access to your digital assets through your memory. It also eliminates the need for physical hardware wallets or vulnerable digital backups, providing a unique and secure storage solution.

這種方法可以確保隱私和控制，因為只有您可以透過記憶保留對數位資產的存取權。它還消除了對實體硬體錢包或易受攻擊的數位備份的需求，提供了獨特且安全的儲存解決方案。

Last Remarks: Stablecoins and Wallets in the DeFi Journey

最後評論：DeFi 之旅中的穩定幣和錢包

In the realm of decentralized finance, stablecoins and wallets play pivotal roles, presenting both opportunities and unique challenges. Stablecoins offer a stable and efficient medium for storing and transferring value in the crypto domain. At the same time, wallets serve as the gateways to digital assets, varying in security, functionality, and accessibility to cater to diverse use cases.

在去中心化金融領域，穩定幣和錢包發揮關鍵作用，既帶來了機遇，也帶來了獨特的挑戰。穩定幣為加密領域中的價值儲存和轉移提供了穩定且高效的媒介。同時，錢包作為數位資產的門戶，在安全性、功能性和可訪問性方面各不相同，以滿足不同的用例。

By gaining a deeper understanding of the mechanisms and risks involved in both stablecoins and wallets, users can better navigate the vast landscape of DeFi and harness its transformative potential.

透過更深入了解穩定幣和錢包所涉及的機制和風險，用戶可以更好地駕馭 DeFi 的廣闊前景並利用其變革潛力。

Thanks to the DeFi Talent program, a 18-week mentoring program to empower talent for leadership in the decentralized finance space. I would encourage eveyone to participate in the program. More info can be found on https://web3-talents.io/defi-talents/.

感謝 DeFi 人才計劃，這是一個為期 18 週的指導計劃，旨在賦予人才在去中心化金融領域的領導地位。我鼓勵每個人都參與該計劃。更多資訊請造訪 https://web3-talents.io/defi-talents/。

Connect with me on LinkedIn and X (formerly Twitter).output: A beginner's guide to stablecoins and wallets in DeFi

在 LinkedIn 和 X（以前稱為 Twitter）上與我聯繫。

Stablecoins are a type of cryptocurrency that is designed to maintain a stable value, typically pegged to a fiat currency like the US dollar. They serve as a crucial foundation for the decentralized finance (DeFi) ecosystem, enabling users to navigate the volatility of cryptocurrencies while engaging in various DeFi applications.

穩定幣是一種旨在保持穩定價值的加密貨幣，通常與美元等法定貨幣掛鉤。它們是去中心化金融（DeFi）生態系統的重要基礎，使用戶能夠在參與各種 DeFi 應用程式的同時應對加密貨幣的波動性。

Stablecoins play a central role in the DeFi landscape by offering a stable and efficient medium for storing

穩定幣透過提供穩定、高效的儲存介質，在 DeFi 領域發揮核心作用