什么是Stablecoin？

如果您曾经希望获得任何价值不大的加密货币，那么稳定的是答案。与比特币或其他挥发性数字资产不同，Stablecoins旨在保持稳定的价格

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

如果您厌倦了加密货币的价值摇摆，那么您需要遇到他们更稳定的对应物：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.

与比特币或其他挥发性数字资产不同，Stablecoins旨在保持稳定的价格，使其成为日常交易，储蓄和交易的实用选择。

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.

这些硬币通过以法定货币，储备金或智能合约的支持来保持稳定。它们还充当传统银行系统与加密货币之间的桥梁。

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

有不同类型的Stablecoins，每种都有一种保持稳定性的独特方法。

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

要了解它们的工作方式及其在不断发展的加密景观中的作用，让我们深入研究Stablecoins的世界。

What is an Example of Stablecoins?

stablecoins的例子是什么？

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

稳定剂以不同的形式存在。每种类型旨在使用特定机制维持价格稳定性。一些使用最广泛的稳定剂包括：

Is Bitcoin a Stablecoin?

比特币是稳定的吗？

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

不，比特币不是稳定的。它的价格根据需求和投资者活动不断变化。

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

但是，Stablecoins旨在保持固定价值，例如直接与美元捆绑在一起。

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，比特币经历了从70,000美元到超过100,000美元的增长。市场趋势和政策转变导致这种迅速增加。

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

如此巨大的价格波动使比特币对稳定的交易不可靠，尤其是在当今迅速变化的经济格局中。

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

另一方面，像USDT和USDC这样的稳定​​币保持相对稳定的价值。

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

尽管有轻微的波动，但它们仍遵循美元，使其成为付款和日常使用的更可靠的加密货币。

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市场的增长迅速，预计未来五年将达到3万亿美元。专家预计，由于其高度信任和流动性，USDT和USDC将保持主导地位。

What is the Point of a Stablecoin?

稳定的重点是什么？

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.

在像加密货币这样的市场中，事情可能会很快变得陷入困境，Stablecoins提供了可预测性的灯塔。他们提供更快，更便宜的交易，同时使数字融资更可靠。

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

此外，Stablecoins充当传统银行和加密资产之间的桥梁，简化了跨境支付。

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

这使企业和个人可以将它们用于日常交易，而不必担心突然的价格变化或兼容性问题。

Key Benefits of Stablecoins:

Stablecoins的主要好处：

Here is what Stablecoins offer:

这是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.

通过结构化过程确保稳定性和透明度的结构化过程。它们的价值保持恒定，因为它们得到资产的支持或由智能合约控制。

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.

当公司发行稳定币时，它们会记录在分类帐系统上。该分类帐会跟踪所有权和交易，保证安全和防止加密欺诈。

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

用户将其稳定币存储在数字钱包中，使他们能够安全发送，接收和存储资金。

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.

智能合约根据需要调整供应。如果需求增加，系统会创建新的稳定剂。相反，如果需求量下降，则将过量的硬币从循环中取出。

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

这有助于保持稳定的价值，使Stablecoins成为加密货币市场中可靠的金融工具。

Types of Stablecoins

稳定的类型

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

Stablecoins使用不同的方法来维持稳定的价值。他们根据支持它们的支持分为四个主要类别：

Why Are Stablecoins So Important?

为什么Stablecoins如此重要？

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

像比特币和以太坊这样的加密货币以其波动的价格而闻名，使其不适合日常交易。

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提供了稳定的加密货币，可用于日常付款。它们的稳定性对于使用它们进行工资，跨境转移和其他交易的企业至关重要。

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，使用稳定的稳定剂用于促进贷款，借贷和流动性。许多金融机构正在将Stablecoins整合到其数字支付系统中，以降低成本并提高效率。

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

稳定币也受到审核的约束，以确保其既定储备的可信赖性。批评者认为，法定货币已经达到了这个目的。

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，支持者认为，分散资产是财务未来的关键，这是没有政府控制的。

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.

随着Stablecoins的不断发展，它们有可能改变金融格局。它们提供了银行和数字资产之间的安全联系，为跨境支付和财务包容开辟了新的可能性。