稳定币和钱包：DeFi 的基石

稳定币是一种加密货币，旨在通过将其价值与特定资产或一篮子资产挂钩来提供价格稳定性。钱包作为 DeFi 的门户，允许用户存储、发送数字资产并与之交互。

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

输入：DeFi 中稳定币和钱包的初学者指南

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.

稳定币是一种旨在保持稳定价值的加密货币，通常与美元等法定货币挂钩。它们是去中心化金融（DeFi）生态系统的重要基础，使用户能够在参与各种 DeFi 应用程序的同时应对加密货币的波动性。

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.

稳定币通过提供稳定、高效的价值存储和转移媒介，在 DeFi 领域发挥着核心作用。它们使用户能够参与 DeFi 活动，而无需直接受到加密货币价格波动的影响，这对于那些寻求保持数字资产购买力的人来说尤其有利。

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，稳定币是加密领域中第一种也是使用最广泛的现实世界资产（RWA）类型。传统金融工具与加密货币世界的整合标志着朝着弥合两个领域迈出的重要一步。

Top Stablecoins by Market Capitalization:

按市值排名最高的稳定币：

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

稳定币通过各种机制实现价格稳定，每种机制都有自己的优点和局限性：

Risks of Stablecoins

稳定币的风险

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:

尽管稳定币在 DeFi 中发挥着重要作用，但它并非没有风险，具体风险取决于具体的稳定币及其设计。需要考虑的一些主要风险包括：

Wallets: Securing Your Digital Assets in the Crypto Realm

钱包：保护您在加密领域的数字资产

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 的广阔领域中，钱包充当数字资产的门户，使用户能够存储、发送其持有的加密货币并与之交互。根据预期的用例，这些钱包在安全性、功能性和可访问性方面有所不同。

Types of Wallets

钱包类型

Hot Wallets:

热钱包：

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.

热钱包是一种基于软件的加密钱包，连接到互联网，使用户能够快速访问和管理他们的数字资产。这些钱包方便易用，适合频繁交易和少量加密资产。然而，在线也意味着他们更容易受到黑客攻击和漏洞的影响。

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

流行的热钱包包括 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，硬件钱包是物理设备，通常类似于 USB 驱动器，旨在安全地离线存储用户的私钥。通过将加密资产保存在冷存储中并在气隙设备上生成交易，硬件钱包提供了针对在线威胁和漏洞的高水平保护。它们特别适合持有大量加密资产并优先考虑长期存储的用户。

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

一些著名的硬件钱包有 Ledger、Trezor 和 SafePal。

Multi-Signature (Multi-Sig) Wallets:

多重签名（Multi-Sig）钱包：

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.

多重签名（multi-sig）钱包，例如 Gnosis Safe 和 Qredo 提供的钱包，通过促进安全的资金转移、治理和遵守多方审批流程来满足组织和 DAO 的需求。这些钱包将硬件钱包的优点与集中管理数字资产的能力结合起来，确保安全性和运营效率。

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 可能会使用多重签名钱包来要求超过特定阈值的任何交易获得多个成员的批准，从而确保透明度和集体决策。

Bonus: Mind Storage

奖励：心灵储存

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.

对于像比特币这样的数字资产，一种有趣且安全的存储方法是将其保存在硬件钱包中，并记住（而不是写下）私钥。这种方法使得外部各方几乎不可能没收您的加密资产，因为它们完全存储在您的脑海中。

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.

此方法可确保隐私和控制，因为只有您可以通过记忆保留对数字资产的访问权限。它还消除了对物理硬件钱包或易受攻击的数字备份的需求，提供了独特且安全的存储解决方案。

Last Remarks: Stablecoins and Wallets in the DeFi Journey

最后评论：DeFi 之旅中的稳定币和钱包

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.

在去中心化金融领域，稳定币和钱包发挥着关键作用，既带来了机遇，也带来了独特的挑战。稳定币为加密领域中的价值存储和转移提供了稳定且高效的媒介。与此同时，钱包作为数字资产的门户，在安全性、功能性和可访问性方面各不相同，以满足不同的用例。

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.

通过更深入地了解稳定币和钱包所涉及的机制和风险，用户可以更好地驾驭 DeFi 的广阔前景并利用其变革潜力。

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/.

感谢 DeFi 人才计划，这是一项为期 18 周的指导计划，旨在赋予人才在去中心化金融领域的领导地位。我鼓励每个人都参与该计划。更多信息请访问 https://web3-talents.io/defi-talents/。

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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.

稳定币是一种旨在保持稳定价值的加密货币，通常与美元等法定货币挂钩。它们是去中心化金融（DeFi）生态系统的重要基础，使用户能够在参与各种 DeFi 应用程序的同时应对加密货币的波动性。

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

稳定币通过提供稳定、高效的存储介质，在 DeFi 领域发挥着核心作用