一种新的Stablecoin旨在作为一种可充值通货膨胀的现金形式。

彭博社报道，自去年12月以来，USDI是一种美元追踪硬币，其价值取决于消费者价格指数（CPI）的上涨。

A new stablecoin aims to serve as an inflation-proof form of cash.

一种新的Stablecoin旨在作为一种可充值通货膨胀的现金形式。

USDi is a dollar-tracking coin whose value will be determined by the increase in the consumer price index (CPI) since December of last year, Bloomberg reported Tuesday (April 15).

彭博社报道，自去年12月以来，USDI是一种美元追踪硬币，其价值将取决于消费者价格指数（CPI）的上涨。

Inflation protection in the U.S. stock markets has been on offer since 1997 in the form of Treasury inflation-protected securities (TIPS), or government bonds whose principal is indexed to the CPI. However, because they are bonds, TIPS can suffer losses when interest rates climb, the report said.

自1997年以来，美国股票市场的通货膨胀率保护以国库通货膨胀保护证券（TIP）或本金向CPI索引的政府债券的形式提供。但是，由于它们是债券，因此当利率攀升时，提示可能会遭受损失。

Michael Ashton, an expert in inflation-protected investing, said USDi is comparable to TIPS principal or — in theory — to an inflation-protected savings account.

受通货膨胀保护的投资专家迈克尔·阿什顿（Michael Ashton）表示，USDI与Tips的本金或（从理论上）与受通货膨胀保护的储蓄帐户相媲美。

“The riskless asset doesn’t actually currently exist, and that’s inflation-linked cash,” Ashton said. “Holding cash is an option on future opportunities, and the cost of that option is inflation. If you create inflation-linked cash, that’s the end of the risk line.”

阿什顿说：“实际上，无风险的资产实际上并不存在，这是与通货膨胀相关的现金。” “持有现金是未来机会的一种选择，该选择的成本是通货膨胀。如果您创建与通货膨胀的现金，那就是风险线的终结。”

USDi Partners said the stablecoin will have as much purchasing power as the dollar did in December 2024. The company will mint and burn the coin at its stated value, which will be a function of daily CPI calculations, according to the report.

USDI Partners表示，Stablecoin将拥有与2024年12月的美元一样多的购买力。该公司将以陈述的价值造币和燃烧硬币，这将是每日CPI计算的函数。

Stablecoins have the potential to reconfigure the way people and businesses think about digital payments. Built on decentralized blockchain infrastructure, stablecoins can offer fast, low-cost and borderless transactions without the friction of traditional intermediaries. For a growing base of global users, this isn’t theoretical but is already transforming how money is stored and moved.

Stablecoins有可能重新配置人们和企业对数字付款的看法。 Stablecoins建立在分散的区块链基础设施上，可以提供快速，低成本和无边界的交易，而无需传统中介机构的摩擦。对于不断增长的全球用户基础，这不是理论上的，而是正在改变货币的存储和移动方式。

“But despite the growing and massive throughput of stablecoins, their mainstream adoption remains elusive,” PYMNTS reported this week. “This is particularly true in regions with established banking systems.”

PYMNTS本周报道：“但是，尽管斯ababalecoins的吞吐量增长和庞大，但它们的主流采用仍然难以捉摸。” “在拥有既定银行系统的地区尤其如此。”

Stablecoins excel in theory and even in back-end finance, but most end-users don’t deal with money in the abstract. They engage with it through apps, devices and point-of-sale terminals. For stablecoins to arrive at their tipping point moment, the consumer and merchant experience must meet or exceed the simplicity and ubiquity of systems such as Venmo, Stripe or credit card terminals.

在理论上，甚至在后端财务上，Stablecoins都表现出色，但大多数最终用户都不会抽象地处理金钱。他们通过应用程序，设备和销售点终端与之互动。要使Stablecoins到达其临界点时刻，消费者和商人体验必须达到或超过Venmo，Stripe或信用卡终端等系统的简单性和无处不在。

This means overcoming three interconnected challenges: merchant acceptance; onboarding and offboarding; and user interface and stablecoin wallet user experience.

这意味着克服三个相互联系的挑战：商人接受；入职和载板；以及用户界面和Stablecoin钱包用户体验。