稳定币：加密货币交易的支柱

探索稳定币的兴起、其机制、市场趋势和监管环境。了解为什么它们在加密货币交易和金融普惠中至关重要。

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

输出：稳定币：加密货币交易的关键 Peter 张 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.

根据 Chainaanalysis 最近的一份报告，随着加密货币交易创下新高，稳定币已占据中心舞台，占加密货币交易额的三分之二以上。这些数字货币与法定货币或大宗商品等波动性较小的资产挂钩，提供一致的价值，这与大多数容易出现价格波动的加密货币不同。

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.

什么是稳定币？稳定币是与美元 (USD) 等法定货币 1:1 挂钩的数字货币，为实际用例提供必要的金融稳定性。它们作为交换媒介和价值储存手段而受到重视，特别是在货币不稳定的地区。

Types of Stablecoins Stablecoins maintain their value through various mechanisms:

稳定币的类型 稳定币通过各种机制维持其价值：

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.

法定货币支持的稳定币：这些稳定币完全由传统银行机构或持牌托管人持有的法定货币支持。他们维持 1:1 的挂钩，确保每种稳定币都有等量的法定货币支持。

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.

加密货币支持的稳定币：稳定币也可以与其他加密货币挂钩，通常会进行过度抵押以保持稳定性。例如，稳定币可能以 1:1.5 的比例与 ETH 挂钩，其中每个稳定币有 1.5 ETH 支持。

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.

算法稳定币：这些稳定币不与外部资产挂钩，而是使用算法来调整其供给和需求，旨在保持稳定的价值。它们通常与法定货币或一篮子资产挂钩。

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.

市场影响力和采用稳定币充当传统金融（TradFi）和加密货币之间的桥梁，为去中心化金融（DeFi）和中心化交易所（CEX）提供流动性。由于货币不稳定，拉丁美洲和撒哈拉以南非洲等地区的稳定币使用量激增。

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.

监管格局稳定币已成为全球监管机构关注的焦点。欧盟加密资产市场监管（MiCA）旨在为稳定币创建统一的框架。新加坡和香港还制定了监管框架，以确保消费者保护并促进创新。

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.

非法活动和监管合作尽管稳定币具有合法用途，但它仍被用于洗钱等非法活动。然而，它们固有的透明度使其成为非法活动的糟糕选择。稳定币发行人越来越多地与执法部门合作打击金融犯罪。

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.

稳定币的未来 在旨在提供透明度和建立信任的监管进步的支持下，稳定币的采用率持续增长。它们为金融包容性提供了巨大的潜力，尤其是在服务欠缺的地区，并且通过降低成本和提高速度，正在彻底改变支付和贸易融资。投入：Chainaanalysis 最近的一份报告强调了稳定币在加密货币交易中日益重要的作用。这些数字货币与法定货币或大宗商品等波动性较小的资产挂钩，提供一致的价值，这与大多数容易出现价格波动的加密货币不同。

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.

稳定币已成为加密货币市场的主导力量，其交易量使其他加密货币相形见绌。这种巨大的差异是由几个关键因素造成的。

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.

加密货币交易近年来屡创新高，其中稳定币在这些交易中发挥着关键作用。根据 Chainaanalysis 最近的一份报告，稳定币目前占加密货币交易额的三分之二以上。

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.

这些数字货币与法定货币或大宗商品等波动性较小的资产挂钩，提供一致的价值，这与大多数容易出现价格波动的加密货币不同。稳定币旨在保持稳定的价值，使其更适合支付和日常交易等实际用例。

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

因此，稳定币作为一种交换媒介得到了广泛采用，特别是在货币不稳定的地区，它们提供了稳定的价值储存手段，使人们能够在面对通货膨胀或经济危机时保持购买力。传统金融（TradFi）和加密货币之间的桥梁，资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利 资金划转顺利资金转移 资金转移平稳 资金转移平稳 资金转移平稳 资金转移平稳 资金转移平稳 资金转移平稳资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利 资金转账顺利资金顺利转移 资金转移顺利 资金转移顺利 资金转移顺利 资金转移顺利 资金转移顺利 资金转移顺利 资金转移顺利