USDT vs USDC vs USDS vs GHO vs FXUSD: He moni pūtahi kua here ki te tāra e tika ana mō koe?

Ngā moni pūmau he pou matua o te ao crypto, e mahi ana hei tāra matihiko e mau ana i tō rātou uara kia pūmau. Mēnā he kaihautu crypto hou koe, tērā pea ka pātai koe: ēhea te moni pūmau i tautokohia e te USD me te whiriwhiri? 樂 I tēnei aratohu, ka wehewehea e mātou i ngā moni pūmau rima nui e piri ana ki te tāra – USDT, USDC, USDS, GHO, and FXUSD – ā, āwhina i a koe ki te mārama i ō rātou rerekētanga. I te mutunga, ka taea e koe te whakatau ko tēhea moni pūmau e tika ana mō ō hiahia. Me teke tātou ki roto!

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He aha ngā Stablecoins, ā, he aha te mea nui o rātou?

Stablecoins he pūtea matihiko kua hoahoa kia mau i te uara pūmau, e whakakotahi ana i te 1:1 ki tētahi moni fiat pērā i te Moni US (USD). I ngā kupu māmā, 1 stablecoin ≈ $1. Ka noho rātou hei whakapūmau i te pūmau i te mākete crypto hihiri. Mā te kore e manukanuka mō ngā panoni utu nui (pērā i ngā pikinga me ngā heke o te Bitcoin’s), ka taea e koe te pupuri i ngā stablecoins kia mau tonu ō pūtea .

He aha te hiranga o ngā stablecoins? Ka whakatutuki i ētahi whāinga matua mō ngā kaiwhakamahi crypto:

• He wāhi haumaru i te huringa utu: Ina he āhua pōrearea te mākete crypto, ka hurihia e ngā kaihokohoko ngā moni huringa ki ngā stablecoins hei tiaki i te uara me te kore e wehe i te pūnaha crypto.
• He pāheketanga hokohoko ngawari: It’s He māmā ake te utu i ngā rawa i ngā tāra mā ngā stablecoins i te BTC, ETH e huri haere ana te uara.
• Whakawhiti Tere o te Ao: Ko te tuku i tētahi stablecoin he rite ki te tuku i tētahi tāra i wāhi katoa o te ao, 24/7, i roto i ngā meneti 🌐. It’s cheaper and faster than traditional bank wires.
• Whiwhi Pānga: Ka taea e ētahi stablecoins te whiwhi atu, te tāpui i DeFi papatono hei whiwhi pānga, e tuku ana i tētahi ara hei whiwhi hua i runga i ngā taonga ōrite ki te tāra.
• Utu: Kei te piki haere te maha o ngā kaihokohoko me ngā ratonga e whakaae ana ki ētahi stablecoins mō te utu, nā te mea ka kawea e rātou te ōritanga o ngā tāra me te tere o ngā whakawhitinga crypto.

Ko ngā pūmau-ā-ārahi ka tae mai i ngā āhua rerekē. Ka taea e rātou katoa te whai i te tāra, engari ka rerekē te ara e they’re tautokohia ana me te whakahaere. Ko ētahi e tautokohia ana e moni tūturu, taonga rānei kei te kamupene (pūmau-ā-ārahi i te pokapū), ā, ko ētahi atu e tautokohia ana e ngā taura pūmāhua cryptocurrency, i ngā tikanga (pūmau-ā-ārahi kāore i te pokapū). Ko te mārama ki ēnei rerekētanga he matua mō te kōwhiri i te mea e pai ana ki a koe.

Arokite o ngā Pūmau-ā-ārahi USD-Whakakotahi Matua

He maha ngā pūkete pūmau kei reira, engari me arotahi ki ngā mea rima nui: USDT, USDC, USDS, GHO, me FXUSD. Ka honoia ia i te tāra US, engari he āhua motuhake me ngā tikanga ā rātou:

• USDT (Tether): Ko te pūkete pūmau tuatahi me te nui rawa atu i runga i te rahi o te mākete. I tukuna e tētahi kamupene tūmataiti, ā, i tautokohia e ngā pūtea me ētahi atu taonga. 
• USDC (USD Coin): He pūkete pūmau tino whakawhirinaki i tukuna e ngā kamupene pūtea kua whakahaeretia, e mōhiotia ana mō tōna mārama me te hāngai ki ngā ture. 
• USDS (formerly DAI): He moni pūmau kore-ā-rohe (i karangatia tuatahi ko DAI) e whakahaerehia e tētahi hapori (MakerDAO, ināianei ko Sky). He mea whakakapi-ā-crypto i te mea kāore i te tautokona e moni i te pēke. 🌐
• GHO: He kaiuru hou nō te kaupapa Aave (he papanga tuku nama DeFi rongonui). He moni pūmau kua whakakapi-ā-crypto nui i whānau i te pūnaha DeFi. 
• FXUSD: He moni pūmau auaha engari kāore i te mōhiotia nui nō te Kaupapa Function X (f(x)). He tino tautokona e ngā rawa crypto (pērā i ngā moni kripto kua whakatūpato) ā, ka whakamahia nui i tōna ake pūnaha. 

He mea ā ia o ēnei pūkete pūmau āna kaha me ngā ngoikoretanga. I ngā wāhanga i raro nei, we’ll ka wetewete i ngā mea e ahu mai ai ia kotahi ki te ahurei. we’ll ka tirotiro i te āhua o te tautoko, ko wai e whakahaere ana, me pēhea e whakamahia ai e koe, me ngā mōrearea, ngā painga rānei hei mōhio. Mā te mārama ki ēnei rerekētanga, ka taea e koe te whiriwhiri i te pūkete pūmau e hāngai ana ki ōu whāinga me tō āhua haumaru.

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USDT (Tether) – Te Pūkete Pūmau Nui Tuatahi 💪

USDT, e mōhiotia ana ko Tether, he pioneer o ngā moni pūkete ā, ko te mea i whakamahia nui rawa atu. I whakarewa i te tau 2014, ko USDT te moni kripto tuatahi i tutuki ai te whakapiri i tāna uara ki te tāra US. I tēnei rā, ko Tether te moni pūkete nui i te ao i runga i te rahi o te mākete, me ngā tekau mā te mano o ngā USDT kei te huringa. It’s he mea nui i te nuinga o ngā whakawhiti moni kripto me ngā papanga tauhokohoko.

Me pēhea te mahi a USDT: He USDT moni pūmau i arotahi, i tautokohia e te moni fiat. Ko te tikanga, he kamupene tūmataiti (Tether Ltd.) e whakaputa ana i ngā tohu USDT, ā, e kī ana ka tautokona ia tohu ki ngā rauemi tūturu ōrite. Ko ēnei rauemi e whakauru ana ki te moni, me ngā rawa rite ki te moni, pērā i ngā tāpiritanga pēke, ngā nama pūtea kāwanatanga, me ētahi atu nama poto, me ngā taonga pūtea. I te ariā, mō ia USDT kotahi i te ao, $1 (rānei ngā rawa uara $1) ka mau ki te pūtea e Tether Ltd. Ko tēnei tautoko te mea e mau ai te uara o USDT’s ki te $1.

Māmāwai me te Whakamahi: He rongonui nui a USDT’s. He tūtohi hokohoko matua i roto i te crypto – he maha ngā kaihokohoko e hurihia ngā moni hihiri ki USDT i ngā huringa o te mākete. He whakamahinga nui hoki a USDT ki te neke moni i waenganui i ngā whakawhiti tere. Because it’s so widely accepted, you’ll find Ngā tūtohi hokohoko USDT i te nuinga o ngā whakawhiti katoa, ā, ka taea e koe te hoko a USDT i te waea me te moni fiat, me te tango ki te moni moni mā ngā ratonga maha. Ko ngā rahi hokohoko o ia rā o tēnei he mea nui i roto i ngā moni crypto katoa, i ētahi wā he nui ake i te rahi hokohoko o Bitcoin’s volume .

Urua o te Pūkete Rārangi: Kei te wātea a USDT i ngā whatunga pūkete rārangi maha. Ko te USDT taketake i tukuna i runga i te papanga Omni a Bitcoin’s, engari i tēnei rā ko te USDT i runga i te Ethereum (hei tohu ERC-20) he tino noa. He tino rongonui ake i te rahinga whakawhiti ko te USDT i runga i te whatunga Tron – he pai mō ngā utu whakawhiti iti, ā, he nui te whakamahinga, otirā i Āhia, mō te neke moni i te utu iti. Kei te noho hoki a USDT i ngā whatunga pērā i te Binance Smart Chain, Solana, Polygon, me ētahi atu. Ko tēnei noho maha-whatunga e tohu ana ka taea e koe te kōwhiri i te whatunga e pai ana mō ō hiahia mō te tere me te whaihua utu i te tuku USDT

Mārama me ngā Taupatupatu: Anei te wā e riro ai a USDT i te mea whakamīharo. Kua pā ki Tether te tautohe me ngā taupatupatu i ngā tau i mua i tana mārama. I roa ngā kaiārahi i pātai mēnā i tino nui ngā pūtea a Tether hei tautoko i ia USDT 1-ki-1 ki ngā tāra. I tētahi wā, kāore a Tether i tuku arotake māmā a te marea, ā, i arahi ki ngā āwangawanga whakawhirinaki . I te tau 2021, i tutuki a Tether i tētahi whakatau ki te Kaiwhakahaere Ture o New York mō ngā whakapae hē o āna pūtea i mua. Mai i taua wā, kua whakaputa te kamupene i ngā whakamātau auau (pūrongo pūtea nā ngā kamupene tuatoru) e whakaatu ana i te wehewehenga o āna pūtea. E tohu ana ēnei pūrongo ko te nuinga o ngā pūtea a Tether’s kei roto i te moni rānei i ngā rawa ngaro pērā i ngā nama pūtea o te U.S., me tētahi wāhanga iti i ngā haumi kē (me ētahi i roto i te Bitcoin).

Ahakoa kāore e tino whakaae ana te katoa (nā te mea kāore anō kia oti te arotake motuhake katoa), he maha i te hapori crypto kei te whakamahi tonu i te USDT nui. Ki tēnei wā, kua māia a Tether i ngā whakamātautau taumaha maha – hei tauira, i ngā wā o te mataku o te mākete crypto, kua whakakorea ngā piriona USDT mō ngā tāra me te kore e katia te hononga. Kua whakapakari ake te māia i te whakapono ka taea e Tether te whakatutuki i ngā whakahoki.

Whakawhitinga: He mea nui ki te mōhio ko USDT he i whakahaere a-waha. Tether’s issuer he mana ki te whakakūma, ki te whakatōpū rārangi pango i ngā wāhitau motuhake e pupuri ana i te USDT mēnā e hiahiatia ana e te kāwanatanga (kua pā ki ētahi take i pā ki te hara). Mō ngā kaiwhakamahi o ia rā, i te nuinga isn’t he āwangawanga, engari ko te tikanga ko te USDT isn’t i te kaha ki te aukati i te whakakore pērā i tētahi stablecoin kāore i te whakahaere a-waha. Tether Ltd. i te mutunga ka whakahaere i te whiwhinga me te whakahaere o te USDT

Ngā Painga me ngā Kēmu o USDT:

• Painga:
  • He nui te likiiti me te whakaae: Ka taea e koe te whakamahi i te USDT i ngā wāhi katoa – ngā whakawhiti, ngā tikanga DeFi, ngā kaihokohoko e whakaae ana ki te crypto – e kīia ana e koe.
  • Te roanga: Kua roa rawa te wā e noho ana, ā, ka whakakinaia ētahi kaiwhakamahi ki te māia mō tōna kaha noho.
  • He wātea i ngā aho maha: He māmā te whakawhiti i ngā whatunga utu iti pērā i a Tron.
  • He rahi te rahi: He māmā te uru, te puta i ngā tūranga nā te rahi nui o te hokohoko.
• He kino:
  • Ngā pātai mō te mārama: I te hītori, he iti ake te mārama mō ngā pūtea (kāore anō i te arotake māmā katoa).
  • Mana pūmau: Ka taea e te kaiwhakawhiwhi te whakakiri i ngā pūtea; ka whakatuwheratia te whakawhirinaki ki tētahi kamupene’s whakahaere tika.
  • Arotakenga aroturuki: Kua noho a Tether i raro i te arotakenga aroturuki, ā, ka taea e ngā huringa i ngā kaupapa here kāwanatanga te pā ki tēnei (ahakoa ka whakahaere nui i waho o te rohe US tika).
  • Kāore i te whai hua ake: Ko te pupuri noa i te USDT kāore e whiwhi’t i a koe (me’d tuku atu i te moni, me whakamahi i ngā papamahi o waho mō tēnei).

Hei whakakapi, USDT (Tether) he rite ki te stablecoin pakeke e whakamahia ana e te katoa. He’s kaha i te toro me te ngāwari. Mēnā e whai wāhi ana koe ki te whai stablecoin that’s ka whakaaetia i ngā wāhi katoa, ā, me hiahia liki nui mō te hokohoko, he tino whaihua a USDT. Kia maumahara noa, ina ka mau koe i a USDT, e whakapono ana koe ki a Tether Ltd. ki te whakahaere i ngā tahua i te pono, me te tiaki i te hononga. Ki tēnei wā, they’ve tutuki i te pupuri i a USDT i te $1 i roto i ngā āhuatanga mākete katoa. Mō te nuinga, ko taua pono (me te ngāwari mā) e nui ake i ngā āwangawanga mō te mārama. 

USDC (USD Coin) – Te Moni Tūturu, Aro ki te Whakaāetanga 🏦

USDC he taumaha anō i te ao o ngā moni pūmau, e mōhiotia ana mō tana mārama me te whakaaetanga ture. I tukua i te tau 2018, i hangaia a USDC hei mahi tahi a Circle me Coinbase i raro i tētahi rōpū i karangatia ko Centre. I tere tonu te tipu kia riro ai te moni pūmau tuarua-nui i runga i te rahi o te mākete. He maha te tirohanga ki USDC hei “haumaru” ake, he kōwhiringa mārama ake ki te USDT, i runga i tana tautoko me te tirotiro.

Me pēhea te mahi a USDC: ko USDC he he moni pūmau i tautokohia e te moni fiat, ā, he mona pūmau ā-roto – ōrite ki USDT i te mea ko ia tohu me tautokohia kia 1:1 e ngā rawa USD tūturu i mau ki te pūtea. Ko te rerekētanga nui ko wai kei muri i USDC me te āhua o ā rātou mahi. Ko USDC’s kaiwhakawhiwhi, Circle (he kamupene fintech i te US), e pupuri ana i ngā pūtea i te nuinga i te moni moni me ngā hononga kāwanatanga US poto (pērā i ngā nama pūtea). Ka ū rātou ki te taumata tiketike o te mārama: Ka whakaputa a Circle pūrongo whakamana ia marama i ngā kaimātai, e whakaatu ana i te nui o ngā pūtea me te wāhi i tiakina ai. Nō reira, i ngā wā katoa, ka taea e koe te kite i tētahi pūrongo, hei tauira, X piriona USDC kei te huringa me X piriona USD i tētahi pūkete tiaki, i whakatō ki ngā taputapu haumaru hei tautoko i tēnei.

Whakaaetanga Ture: I hangaia e Circle me Coinbase te USDC me te whakaaro ki te ture . He pakihi ratonga moni i whakaaetia a Circle i te US, ā, e rapu ana ki te hāngai ki ngā ture pūtea. Kei ngā whakahaere pūtea e whakaaetia ana e te US ngā tahua USDC. Kua hua tēnei ara whakaaetanga-tuatahi i te USDC hei stablecoin e whiriwhiri ana mō ngā whakahaere me ngā pakihi maha ka āwangawanga ki te Tether. Hei tauira, ka whakauru ngā kamupene e whakahaere ana i ngā pakihi i roto i te crypto, ngā taupānga fintech e tuku ana i te crypto ki ngā kaiwhakamahi i te USDC nā te mea e whakapono ana rātou ki tōna rangatiratanga.

Te Pūtanga me te Whakapono: USDC kua mau tonu i te hononga tata rawa ki te tāra mō te nuinga o tōna roanga, kāore i te tawhiti i te $1 i te nuinga o te wā. Heoi, it’s me mōhio tētahi takahanga nui: te takahanga whakakore hononga o Poutū-te-rangi 2023. mō te wā poto, i heke a USDC ki te $0.88 i te wā i puta ai ngā rongo i te wāhanga o ngā pūtea kāri a Circle’s (taea $3.3 piriona) i mau ki te Pēke Silicon Valley, i hinga ohorere. I whakatūria tēnei i te hoko panikā. I whakakāria te āhua i te wā i whakaritea e ngā kaiwhakahaere US te kia whiwhi anō ngā kaiwhiwhi moni o SVB’s, ā, ka taea a Circle te uru ki aua pūtea. I tere a USDC i hoki ki te $1. He whakamātautau pēhanga tēnei: i whakaatu i ahakoa he stablecoin rongonui pērā i a USDC isn’t kore e pā ki ngā mōrearea o te pūnaha pūtea whānui (i tēnei wā, he rahinga pēke). Engari, i whakaatu hoki te ū ki te mārama a Circle’s – i whakahōu wawe i te marea mō te āhua – me te hononga pūmau i waenganui i ngā stablecoin me te pēke tuku

I muri i taua mataku, Ko te whakatārewatanga o te pūtea e huri ana a USDC’s i te hekenga (some users switched to other stablecoins out of fear), but it has since recovered a lot of trust. By 2025, USDC is growing again, especially as regulatory clarity improves. Many in crypto still consider USDC one of the tētahi o ngā kōwhiringa haumaru mō te stablecoin due to its audited reserves and the reputable companies behind it.

Mahi me te Whakamahi: He nui rawa te whakamahinga o USDC anō (tuarua anake ki USDT). He mea noa i ngā whakawhiti (ina koa ngā whakawhiti i te US i hangaia pērā i Coinbase e pai ana ki USDC). He tino whakamahia hoki i DeFi (decentralized finance) ngā tikanga i runga i Ethereum me ētahi atu pūnaha poraka, nā te mea he maha ngā kaihanga me ngā kaiwhakamahi DeFi e whiwhi ana i tōna mārama. Ka whakauru a USDC ki ngā ratonga utu me ngā papatono fintech – hei tauira, ka taea e koe te kimi taupānga e tuku ana i a USDC hei kōwhiringa mō te moni. Kua torotoro hoki ētahi rōpū pūtea tuku iho ki te whakamahi i a USDC mō te whakatau i te 1:1 o te pono.

Urua o te Pūkete Rārangi: Pērā i a Tether, i whakarewahia tuatahi a USDC i runga i Ethereum (tohu ERC-20) engari ināianei kei runga i ngā pūkete rārangi maha. You’ll find USDC on Ethereum, Solana, Avalanche, Polygon, Binance Smart Chain, Tron, and more. Ka whakaritea e tēnei noho i ngā pūkete maha kia taea e koe te tuku a USDC i ngā whatunga tere ake, utu iti ake i te wā e hiahiatia ana. Hei tauira, i tuku a USDC i runga i Solana i ngā tuku tere rawa, utu iti (ahakoa i rerekē te whakamahinga i reira), ā, kua wātea hoki a USDC i runga i Tron hei whakatutuki i te hiahia ōrite ki te USDT i runga i Tron.

Motuwhāiti me te Mana: USDC, i tukuna i te pūnaha motuwhāiti, he “off switch” i te taumata o te kaiwhakawhiwhi. Ka taea e Circle te whakakiri i ngā moni USDC i tētahi wāhitau motuhake mēnā e hiahiatia ana e te hunga tiaki ture, me te mea rānei ka whakapae rātou i te mahi hara. Kua pā ki tētahi tauiti o ngā take (pērā i te whakakiri i ngā moni i tukua). Ahakoa he kaiwhakamahi noa, kāore pea koe e pā ki te whakakiri, engari ko te tikanga, e whakawhirinaki ana koe ki te tirotiro a Circle’. Ko tēnei taumata mana tētahi o ngā take i te mea ka pai ake ki ngā kaiwhakahaere te USDC – he mea e hāngai ana ki ngā ture pūtea. Engari, i te taha kē, e kī ana ngā kaitautoko motuhake o te motuwhāiti i te mea he wāhi ngoikoretanga (i te mea ka taea e tētahi whakahau a te kāwanatanga te ārai i ō tohu kia kore e neke).

Ngā Painga me ngā Kēmu o USDC:

• Painga:
  • Mārama nui: He arotake me ngā whakatūpato auau e whakapono ai i te USDC i tautokohia katoa, ā, he pono.
  • He pai ki ngā ture: Ka whakahaerehia e ngā kamupene mōhiotia i runga i te hātepe o ngā ture – he iti ake te tūpono ka pā ki te kati ohorere. (I ngā ture hou a te EU’s mō te crypto, me ngā ture US pea, kei te USDC te tūnga pai ki te whakatutuki i ngā whakaritenga.)
  • Kaupae kaha: Mēnā kāore he aituā rarangi, kua tiakina e USDC tōna pūtua kia tino pakari.
  • He whakamahinga whānui: Ka whakaaetia puta noa i ngā whakawhiti, DeFi, me ngā tono utu. He māmā te whakauru/whakawetaka (te huri ki te USD tūturu) mā ngā papatono pērā i Coinbase.
  • He maha ngā whatunga: He ngawari ki te tuku mā ngā pūnaha poraka rerekē me ngā utu iti.
• He kino:
  • Kua pokapū: Me whakawhirinaki ki te kamupene e tuku ana me te pūnaha pēke. Ka taea e Circle te whakakiri i ngā wāhitau (he iti ake te rangatiratanga pūtea i ngā kōwhiringa kāore i te pokapū).
  • Te whakawhiranga ki te pēke: Ko te taura pūtea a USDC’s kei roto i ngā pēke; he ngoikoretanga ki ngā mōrearea pēke (hei tauira, te take SVB). Ka taea tēnei hononga ki te pūtea tuku iho te raru.
  • He iti ake te huna: Nō te mea he aro ki te huringa, ka āta tirohia pea ngā whakawhitinga nui; ehara i te mea kāore e taea te whakamahi i te wātea, engari kāore i te tino ārai i te whakakore mēnā ka uru ngā mana whakahaere.
  • Kāore he painga tika: Ko te pupuri i te USDC kāore e whiwhi painga i a ia anake (ahakoa ka taea e koe te tuku ki ētahi atu papamahi kia whiwhi hua, pērā i te USDT).

I te whakakapi, USDC (USD Coin) he mea ka whakaarohia te “kōwhiringa haumaru” He kōwhiringa tino pai mēnā e hiahia ana koe ki te whakaiti i te mōrearea me te whakakotahi i tētahi stablecoin e mahi tahi ana me ngā mana whakahaere pūtea. Mō ngā tīmata, ka tuku a USDC i te rangimārie o te hinengaro: e mōhio ana koe he aha kei muri i tēnei me wai anō te tangata e kawenga ana. Kia maumahara, ko te haumaru me te hāngai ki ngā ture ka whai wāhi ki te iti ake o te whakatōpū. 

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USDS (Sky’s DAI) – Te Pioneira Kōtahi Kore 🌐

Kei te haere ki te moni pūmau kore-ā-rohe ao, USDS he kaitākaro matua. Tērā pea kāore koe i rongo i te ingoa USDS i mua– ko te mea nei nā te mea he ingoa hou mō DAI, te moni pūmau rongonui i hangaia e MakerDAO. I te mutunga o te tau 2024, i whakawhiti ingoa a MakerDAO (te kaiwhakawhiwhi i te DAI) ki te ingoa hou, ā, ināianei ka karanga ia ki te Sky, me te DAI e riro hei USDS. Hei māmā, we’ll karanga ki tēnei ko USDS (i kīia te DAI) i konei. He moni pūmau USD kore-ā-rohe nui rawa i roto i te ao crypto.

Me pēhea te mahi a USDS (i kīia ai ko DAI): ko USDS ka tautokohia e ngā taonga whakarite i te crypto (me ētahi atu taonga) ā, ka whakahaerehia e tētahi tikanga motuhake, kāore i te kamupene tuku. He rerekē i USDT, USDC, there’s kāore he kamupene kotahi e pupuri ana i tētahi pūkete pēke kīia ki ngā tāra hei tautoko i USDS. Mā te huringa, ka hangaia a USDS (rānei “minted”) e ngā kaiwhakamahi e kati i ētahi atu taonga hei whakarite i ngā kirimana atamai i te pūnaha poraka. Ka whakahaerehia te pūnaha e ngā kirimana atamai, ā, ka whakahaerehia e te hapori whakawhānui (ngā tāngata e pupuri ana i te tohu whakahaere a MakerDAO, i whakakēa ki te tohu SKY, ka pōti mō ngā whakatau).

Tuatahi, ko DAI (ināianei ko USDS) i tautokohia anake e ngā rawa crypto pērā i te ETH. Hei tauira, ka taea e koe te tāpui $150 o te uara o Ether me te nama tata ki $100 o te uara o DAI – i tēnei ara, i over-collateralized te DAI kia, ahakoa te heke o te utu o ETH’, ka mau tonu te DAI i te tautoko katoa. I te roanga o te wā, i whakawhānui a MakerDAO i ngā momo collateral: ināianei ka taea te USDS te tautokohia e ngā momo cryptocurrency (ETH, WBTC he Bitcoin i runga i te Ethereum, me ētahi atu) me ngā rawa ao-tūturu. Āe, he rawa ao-tūturu! I timata a MakerDAO ki te whakangao i tētahi wāhanga o tāna collateral ki ngā mea pērā i ngā hononga pakihi poto, ngā hononga kāwanatanga, ā, i whakarato hoki i ngā pouaka ki te pupuri i ētahi atu stablecoins (USDC, hei tauira) hei whakakāhore i te uara o DAI’s value. Ko tēnei huarahi whakakotahi e tikanga ana kāore a USDS i te “crypto-backed” i te āhua o mua, engari kei te noho tonu i te pūtake o te whakakōrero me te rangatiratanga.

Te tiaki i te peke: Me pēhea te USDS e noho ai i te $1? Ka whakamahi ngā tikanga mākete me ngā whakatenatena. Ki te hokohoko a USDS i runga i te $1, ka taea e ngā kaiwhakawātea te whiwhi hua mā te hanga i ētahi atu i te $1 te utu o ngā taura, ka hoko, ka heke te utu. Ki te hokohoko a USDS i raro i te $1, ka taea e rātou te hoko i te utu iti, ka whakamahi hei utu nama (rānei ki te whakaora i ngā taura) e $1 te uara, ka hiki anō te utu. He wāhanga anō a MakerDAO e kīia ana ko te Peg Stability Module (PSM), e āhei ana ki te whakawhiti tika i ētahi atu pūkete pūmau mō USDS i te 1:1. Hei tauira, i ngā wā i te wā i te DAI i rerekē tata ki te peke, ka taea e ngā kaiwhakamahi te whakawhiti USDC

He tino kore-ā-rohe? Ko USDS kore-ā-rohe ake i tua atu i USDT/USDC, engari kāore i te 100% i motuhake i ngā taonga ā-rohe. Ka taea te kī he’s kore-ā-rohe wāhanga. Ko te kāwanatanga (te hapori MakerDAO) he kore-ā-rohe, ā, he mārama ngā kirimana atamai. Ka taea e te tangata katoa te kite i te taapiri pūtea i runga i te aho. Heoi, ko tētahi wāhanga nui o te taapiri pūtea o USDS’ he pūtea pūmau pērā i USDC, me ngā haumi ao-tūturu. Ka whakaurua tēnei i tētahi ā-rohe (nā te mea mēnā ka aukatia e Circle te taapiri USDC a MakerDAO, rānei ka rahua tētahi taonga ao-tūturu, ka pā ki USDS). I te mōhio ki tēnei, kua anga MakerDAO ki te whakawhānui i ngā taapiri pūtea, ā, e tirotiro ana i ngā hoahoa hou hei whakaiti i te whakawhirinaki ki ngā taonga ā-rohe. Ko te hurihanga ingoa me te “Endgame” mahere a te kaihanga o Maker’ (Rune Christensen) e whakauru ana i ngā rautaki hei whakatere i te pūmau kia pakari ake, tērā pea ka tirotiro i tētahi aho hou me te pūnaha tokenomics. Engari mō tēnei wā, ka noho tonu a USDS he ranu nui o ngā wāhanga DeFi me TradFi.

Whiwhi Pēke (Reiti Penapena DAI): Ko tētahi o ngā āhuatanga whakamere o USDS/DAI ko te Reiti Penapena Dai (DSR). Mā te kaina i tō USDS ki tētahi kirimana motuhake, ka taea e koe te whiwhi pēke i runga i taua, pērā i tētahi pūkete penapena crypto. Ka tautuhi a MakerDAO i tēnei reiti pēke i runga i ngā whakatau whakahaere me ngā āhuatanga o te mākete. I ētahi wā he iti te reiti (pēnei ki te 0% i te wā e nui ana te hiahia ki te pupuri i te DAI), ā, i ētahi wā he tino ātaahua te reiti. Hei tauira, i te mutunga o te tau 2023 me te tīmata o te tau 2024, i whakapiki nui a MakerDAO i te DSR, ka tae ki te 8%–10% APY mō tētahi wā.  I wāhanga, ko te take o tēnei nekehanga kia kukume i ngā kaiwhakamahi kia pupuri i te DAI (ā, kia piki ake te whiwhinga me te whakamahinga). Ka puta te pēke DSR i ngā whiwhinga a MakerDAO i runga i tāna taonga (pērā i te pēke mai i ngā kaiwhakawhiwhi me ngā hua mai i ngā rawa i whakatūpato). Mō te tangata hou, ko te tikanga o tēnei: mēnā ka pupuri koe i ētahi USDS (DAI), ka whai kōwhiringa koe ki te tuku ki te kaupapa Maker, ka whiwhi reiti pēke huringa, kāore e hiahia kia whakawhirinaki ki tētahi papatono pūmahana. He painga ahurei tēnei kāore ngā stablecoin pūmahana e tuku ana i te taiao.

Whakamahinga me te Whakapakari: USDS (DAI) kua noho mai i te tau 2017, ā, he wāhanga nui i te hapori DeFi. It’s whakanui te whakaurunga ki ngā whakawhiti kāri korekore, papatono nama, me ngā māra hua. Ahakoa he iti ake te rahi o tōna mākete (he mano māra e ruarua) i USDT, USDC, he te pūkete pūmau korekore i te nuinga ka whakamahia. He maha ngā kaiwhakamahi DeFi e whiriwhiri ana i DAI/USDS nā te mea it’s kāore i te whakahaere tika e tētahi kāwanatanga, kamupene kotahi rānei, e hāngai ana ki te wairua crypto o te korekore. Heoi anō, i waho o ngā poraka DeFi, ka whiriwhiri ngā kaiwhakamahi noa, ngā whakawhiti kāri pūmau i te hītori i USDT/USDC. Kāore pea koe e kite i ngā tātau hokohoko USDS hei mākete tāra matua i runga i ngā whakawhiti kāri pūmau nui i te nuinga o te wā (ahakoa e tautokona ana e ētahi a DAI tika). It’s nui ake i te ao on-chain.

Ngā Huringa Hou – Sky me USDS: Me te whakahou ingoa ki Sky, kei te huri ētahi mea:

• I hurihia te ingoa a MakerDAO ki Sky, ā, ko DAI ki USDS.
• I riro te tohu whakahaere MKR hei tohu SKY.
• He wāhanga tēnei o te whakahou nui hei whakapakari i te pūnaha, kia kaha ake, ā, kia rite mō ngā ture me te whakawhānui a muri ake (me te whakarewa i tētahi pūnaha blockchain hou mō te whakahaere me te tāpiri i ngā hanganga sub-DAO anō).
• He mea nui, ko te pūtea pūmau USDS hou ka whakaurua e te kirimana he mahi “freeze”, e tohu ana ko te DAO (ma te kāwanatanga) ka taea te whakakiri i ngā pūtea i ētahi āhuatanga. He tino tautohetohe tēnei nā te mea i whakakakea e DAI te āhua o te kore taea te aukati. Ko te tāpiritanga o te āheinga whakakiri e tohu ana ko Maker/Sky e whakarite ana ki te mahi tahi me ngā kaiwhakahaere ture mēnā e hiahiatia (hei aukati i te whakamahinga hara, me ērā atu). Mō ngā kaiwhakamahi o ia rā, tērā pea kāore e kitea, engari e whakaatu ana i te āhua o te huringa o ngā kaupapa kore-ā-ture ki te āhua o te āhuatanga ture.

Ngā Painga me ngā Āwangawanga o USDS (DAI):

• Painga:
  • Mana whakahaere whakatōpū: Kāore he kamupene kotahi e whakahaere i te USDS; ka whakahaerehia e tētahi hapori mā ngā ture mārama.
  • Mārama i te aho: Ka taea e koe te kite tika i te mea e tautoko ana i te USDS i ngā wā katoa (i ngā papamahi a MakerDAO’s, ka kite i ngā ōrau pūriro, momo, me ētahi atu).
  • Arohaehae ki te whakaiti: It’s he uaua ake mō te kāwanatanga te whakakāhore i te USDS katoa, nā te mea kei roto i ngā kirimana atamai, ā, ka hangaia e ngā kaiwhakamahi. There’s kāore he kaiwhakawhānui matua hei whāinga i te āhua rite ki USDC/Tether (ahakoa ka taea e rātou te whāinga i ngā whanaungatanga pūriro).
  • Potenga whiwhi moni: DSR ka whakaaetia ngā kaipupuri ki te whiwhi painga mā te kore whakawhirinaki. Kāore e whiwhi i taua āhuatanga mā te pupuri i te USDT, USDC anake.
  • Tātaritanga roa i DeFi: I whakamana i ngā huihuinga pērā i te pakanga o te mākete i te tau 2020 me te 2022’s pōrearea – i pā ki a MakerDAO ngā wero, engari i ora tonu te moni pūmau, e whakaatu ana i te manawanui.
• He kino:
  • Uau: Ka uaua ake te mārama i te USDS mō ngā tīmata. He uaua ake ngā tikanga o te taura pūtea me te kāwanatanga i te tauira māmā “$1 in bank for 1 coin” model. Kāore pea koe e mahi tahi ki te hanga moni i te wā tonu (he pai tēnei; ka taea e koe te hoko USDS i ngā whakawhiti), engari he uaua te pūnaha i muri i tēnei.
  • Ka taea te whakamātau i te peke i ngā āhuatanga tino uaua: Kua puta ngā wā (hei tauira, ngā heke mākete tino nui) i te wā i rerekē ai te utu o DAI’s i te wā poto, ā, i pā te pūnaha ki te pēhanga (pērā i te marama o Poutū-te-rangi 2020, i riro ai ētahi pouaka i raro i te whakakāhore i te mea i tere te heke o ETH, me ngā tikanga ohorere). Heoi, i whakahouhia.
  • Whakapono ki ētahi atu rawa: Nō te mea kua tautokohia a USDS e ētahi atu rawa, ka whiwhi i ētahi mōrearea i a rātou. Mēnā ka heke te uara o tētahi rawa matua (hei tauira, Ether) i te nui, me whakahaere te pūnaha i taua mōrearea mā ngā whakakōpū. Ano hoki, ko te whakawhirinaki ki ngā rawa pērā i te USDC (ka taea te hukihuki) he mōrearea. Kei te whakaiti a MakerDAO i tēnei, engari kei reira tonu.
  • Kāore i te whakaae whānui i waho o te aho: I te nuinga o te wā, kāore’t e whakamahi i te DAI/USDS mō ngā mea pērā i te utu ki tētahi kaihoko, me te whakamahi hei moni whakatauranga i ngā whakawhitinga nui, pērā i te USDT/USDC. He nuinga i roto i ngā pūnaha crypto. Ka taea e ngā tīmata e rapu ana ki te whakawhiti ki ngā moni tūturu te kitea he iti ake ngā ara tika ki te USDS (ahakoa ka taea tonu te whakawhiti ki te USDC/USDT ina hiahia).

I te whakarapopototanga, USDS (formerly DAI) ko te kairau o ngā moni pūmau whakakōpiri. It’s he kōwhiringa nui mēnā e whai wāhi ana koe ki te tikanga crypto o te whakakōpiri, ā, e hiahia ana koe i tētahi moni pūmau kāore i te whakahaere tika, isn’t e whakahaere tika e tētahi pēke tuku iho, he kamupene rānei. He maha ngā kaiwhaiwhai crypto e whakapono ana ki USDS mō te ōritanga roanga, nā te mea it’s over-collateralized, ā, ka whakahaerehia e te waehere me te hapori. I Coinstancy, ka kite mātou i te nuinga o ngā tīmata e tīmata ana ki USDC/USDT mō te māmā, engari ka ako rātou i te nuinga mō DeFi, ka piki ake tō rātou mārama ki ngā mea e tuku ana a USDS i te whakakōpiri me te rangatiratanga. 🌐

GHO – Aave’s He Moni Taurite DeFi Hou 🚀

Ko te mea e whai ake nei ko GHO, ko tētahi o ngā kaituku hou i te ao moni taurite, i whakarewahia i te 2023 e te rōpū i muri i te Aave. He Aave he papatono rongonui mō te tuku me te nama i te pūnaha kore-ā-roto, ā, ko GHO te ngana a rātou ki te hanga moni taurite that’s ka whakaurua nui ki te pūnaha tuku DeFi. Whakarohia a GHO hei Aave’s putanga o tētahi moni taurite kore-ā-roto, he ōrite tata ki te āhua e mahi ai a USDS (DAI) mō MakerDAO, engari me tana ake huringa. Aave’s version of a decentralized stablecoin, somewhat analogous to how USDS (DAI) works for MakerDAO, but with its own twist.

Me pēhea te mahi a GHO: He GHO moni pūmau kua whakakapi i te tuku-utu pērā i USDS, engari i hangaia i roto i te kaupapa Aave. Hei whiwhi GHO, ko tuku rawa kripto hei tuku-utu i runga i Aave, ka namaa GHO ki te tuku-utu. Hei tauira, ka taea e koe te tuku Ether, i tētahi rawa tautokohia anō, ki Aave, ā, ka tango nama i roto i GHO ki te tepe motuhake. Ko te whakaritenga ko me whakakapi i te tuku-utu (whakarato uara nui ake i te tuku-utu i te GHO e namaa ana) kia haumaru te nama. Mēnā ka heke te uara o tō tuku-utu i te nui, Aave’s system ka whakakorea te tuku-utu kia mau tonu te tautokanga o GHO (pēnei i te tikanga o MakerDAO’s vaults).

Te Reiti Pānga me te Whakauru Aave: He āhuatanga ahurei o GHO ko te kāri i te kore utu – he reiti pānga mō te kāri GHO. I te tīmata, i whakaritea e Aave he reiti pānga pūmau iti noa (taea ki te 1.5% APY) mō te kāri GHO. He aha te mahi o taua reiti? Kāore i te haere ki tētahi pēke, ki tētahi kamupene; 100% o te reiti i utua e ngā kaiwhiwhi GHO ka haere ki te pūtea DAO a Aave, e whai hua ana te hapori. I tua atu, i whakaurua e Aave he painga mō ō rātou tautoko: ngā tāngata e whakatakoto ana i ngā tohu AAVE (Aave’s native token) ka whiwhi hekenga i te reiti kāri GHO (taea ki te hekenga 30% i te tuatahi). Ko te tikanga, mēnā ko te reiti taketake he 1.5%, ka utu ngā kaiwhakarato AAVE i te ~1.0% anake ki te kāri GHO.

Ka whakaatu tēnei hoahoa i te mea ko GHO i whakamahia ki te whakapai i te pūnaha Aave: e akiaki ana i te whakamahi nui ake o Aave (hei hanga GHO i te utu iti, otirā mēnā he kaipupuri AAVE koe) ā, ka tuku moni ki te pūtea hapori o Aave mā te painga.

Mana whakahaere me te Mana whakahaere: Ka whakahaerehia a GHO e te Aave DAO (rōpū motuhake rangatiratanga). Ka pōti te hapori Aave mō ngā paerewa matua o GHO, pērā i te reiti pānga, te nui o GHO ka taea te hanga (teitei nama), me ngā rōpū ka taea te riro hei “facilitators”. Kaiwhakawhiti he mea whakaaetanga ngā kirimana, ngā papamahi rānei e taea ana te hanga me te whakakino i a GHO i roto i ngā herenga motuhake. Ko te mākete tuku nama a Aave’s te kaiwhakawhiti matua, engari ka taea te tāpiri i ētahi atu. Hei tauira, ka taea te kaiwhakawhiti te kirimana “flash loan” e tuku ana i ngā nama GHO kotahi-poraka, rānei he whakatōpū i tētahi aho kē, me ērā atu, katoa e whakahaerehia ana e ngā pōti DAO.

I te tīmata, i whakatakotoria e Aave he ārai nama tiaki te taumata nama (i te tīmata, i taea te mīniti GHO ki te $100 miriona i te mākete Aave Ethereum) hei tiaki i te ōritanga. I te roanga o te wā, i te wā i whakaatu a GHO i tōna ōritanga, kua piki ake ēnei here, ā, kua whakawhānui a GHO ki ngā whatunga kē (pērā i te whakarewa i ngā whatunga Papa 2 pērā i a Arbitrum, me ngā aho kē pērā i a Avalanche me ngā here motuhake).

Pēke me te Pūtahitanga: GHO’s tikanga pēke he ōrite ki ētahi atu stablecoin i tautokohia e te crypto – mēnā ka heke te GHO ki raro i te $1, ka taea e koe te hoko i te utu iti, ka utu anō ngā nama Aave (ka kati i te nama i te 1:1) mō te painga, ā, me whakapiki te utu. Mēnā ka piki te GHO ki runga i te $1, ka whai wāhi ngā kaiwhakamahi ki te nama i te nuinga o te GHO i Aave (he utu nama $1 mō ia GHO) ka hoko, ka heke te utu. Āpiti atu, i whakamahere a Aave i tētahi Stability Module (pērā i te Maker’s PSM) kia āhei te whakawhiti i waenganui i te GHO me ētahi atu stablecoin kia taea ai te whakakē tika i te pēke.

I ngā marama i muri i tana whakarewa, i mau a GHO i te tata ki te $1, ahakoa i pā ki ngā rerekētanga iti. I tētahi wā, i hokona a GHO i raro noa iho i te pae (i te $0.97-$0.98) nā te pūkete me ngā āhuatanga o te hiahia i te tīmata – arā, i nui ake te hunga i namaa i a GHO i te hiahia tūturu i te mākete, nō reira i heke iho ki raro i te $1. I urupare te hapori Aave mā te whakatika i ngā tawhā (pērā i te pikinga pea o te reiti pānga, me te whakarato i ngā whakamahinga anō mō GHO) hei āwhina kia hoki ki te tika. I te tau 2025, kua rerekē te reiti pānga mō te nama GHO, ā, kua pikinga (he maha ōrau APY) hei whakakotahi i te whiwhinga me te hiahia. Ko tēnei momo rangatiratanga kaha e whakaatu ana me pēhea te hapori kore-ā-ture e whakahaere i ngā āhuatanga ōhanga o te stablecoin’s i te wā tūturu 🛠️.

Te Whakamana me te Whakamahi: kei te GHO e whiwhi ana i te rongonui. I tīmata i te papatono Aave, nō reira ko ngā kaiwhakamahi tuatahi he nuinga o ngā kaitautoko DeFi me ngā kaiwhakamahi kaha o Aave. I te roanga o te tau 2024, i tipu nui te whiwhinga o GHO’s (i kī te rōpū Aave i te pikinga 10x i te whiwhinga i tōna tau tuatahi), ka tae ki ngā mano rau e toru tekau mā rima o GHO i te huringa. He iti tonu tērā ki te whakataurite ki USDT/USDC/USDS, engari he tīmata kaha mō tētahi hou. Ko te whāinga kia tipu a GHO hei moni pūmau nui e whakamahia ana i ngā tikanga DeFi maha, kāore i te Aave anake. Mō tēnei wā, mēnā kāore koe e whakamahi i te Aave, DeFi rānei, tērā pea kāore koe e kite i a GHO i te nuinga o te wā. Kua tīmata anake ngā whakawhiti pūtea ā-roto ki te rārangi a GHO āta, i te pikinga o te waiwai. Engari i roto i te DeFi, i tīmata ake ngā papatono nui ki te whakaae i a GHO hei taura pūtea, me te mea hei kōwhiringa moni pūmau mō ngā tātai hokohoko me ngā māra hua

He kokonga whakamīharo kotahi ko Aave’s Lens protocol integration – I tohu a Aave ka taea e GHO te riro hei tohu utu i roto i tōna pūnaha pāpāho pāpori motuhake (Lens). Hei tauira, ka taea e ngā kaihanga te whakaae ki ngā tipa i GHO, aha atu. E whakaatu ana tēnei i te āheinga mō te whakamahinga o GHO i tua atu i ngā poraka hangarau DeFi anake.

Ngā Painga me ngā Kēmu o GHO:

• Painga:
  • Kua motuhake, ā, i hāngai ki te hapori: Kāore he kaiwhakawhiwhi pūmau; ka whakatau ngā huringa i ngā pōti Aave DAO. Ka hāngai ki ngā mātāpono DeFi.
  • Kua hono ki Aave: Mēnā ka whakamahi koe i te Aave, he kōwhiringa āhua māori te GHO hei nama, nā te mea ka iti ake te utu (ina koa mō ngā kaipupuri tohu AAVE) ā, ka whiwhi hua pānga i runga i tō taura i a koe e nama ana i te GHO. He whakamahinga whaihua o te pūtea.
  • Moni ki ngā kaiwhakamahi: Ka huri te hua nama ki te pūnaha (pūtāhui), ka whai hua pea ngā kaipupuri AAVE, ā, ka tautoko i te whakawhanaketanga anō – he huringa whakahoki pai mō te hapori.
  • Mārama: Ka taea te whai i ngā taura me te tuku GHO katoa i runga i te pūnaha. E mōhio ana mātou ki te tika o te maha o ngā GHO e noho ana me te āhua o tāna tautoko i ngā wā katoa.
  • Kāore he whakawhirinaki ki ngā pēke: Kāore a GHO e whakawhirinaki ki ngā tāpukapuka pēke, ki te moni fiat rānei; he pūtea crypto anake tōna. Ka ārai tēnei i a ia i ngā mōrearea pūtea tuku iho pēnei i te rahinga o ngā pēke (he mea i pā ki te USDC).
• He kino:
  • Hou, kāore anō i whakamātau i te rahinga: He taitamariki noa a GHO. Kāore i whiwhi i te maha o ngā huringa mākete tino nui pērā i USDT/USDC/DAI. Ka taea pea ngā raruraru kāore i te mōhiotia i a ia e tipu ana.
  • Whakaaetanga iti (i tēnei wā): I waho i te Aave me ngā taupānga DeFi e pā ana, tērā pea kāore koe e kitea i te nuinga o ngā wāhi hei whakamahi tika, hei hokohoko i te GHO i tēnei wā. Kei te pai ake te waiwai, engari kāore i te rerekē te whānui o ngā moni pūmau tawhito.
  • Ka hiahiatia te whakamahi i te DeFi: Ki te whiwhi i te GHO tika, ka mahi tahi koe i te nuinga me Aave (tuku taonga, nama). Mō te tīmata, he maha ngā hipanga tāpiri i tēnei i te hoko noa i tētahi USDC i Coinbase. Ahakoa, ka taea hoki e koe te whakawhiti i ētahi atu stablecoins ki te GHO i ētahi DEXs mēnā e hiahia ana koe.
  • Utu muku (taurite): Kāore i te pērā i te pupuri i ngā USDC/USDT/USDS kāore he utu, engari ko te whiwhi i te GHO mā te muku ka whai taurite. Āe, ka taea hoki hoko GHO i te mākete tuwhera i te mea e kāore i te hanga, i tēnei āhuatanga you’re not paying interest; someone else did. But the existence of a borrow rate means GHO may not flood the market too cheaply – there’s a carrying cost to creating it.
  • Whakautanga whakahaere: He ’ nui te mea kua taea e te hapori te whakarerekē i ngā mea, engari mēnā he pōturi, he hē rānei ngā whakatau whakahaere, ka pā ki te ōkanga, te tipu rānei o GHO. Ka hiahiatia he whakahaere kaha, whai pūkenga e te DAO.

Hei whakakapi, GHO he whanaketanga whakamīharo mō te hunga e whai ana i te DeFi. He pēnei i te tamaiti hou i te papa  i te whenua o ngā pūmau pūmau, e kawea ana te hītori rongonui a Aave’ ki te rōpū. Mō ngā kaihautū hou, tērā pea kāore a GHO i te pūmau tuatahi ka kitea e koe, engari he mea hei mātakitaki mēnā ka mahere koe ki te torotoro i ngā papatono DeFi. He tohu tēnei i te auahatanga haere tonu i te ao crypto – e whakaatu ana ahakoa ngā pūmau (i te nuinga ka kīia ko “kua oti” e ngā kaitākaro nui) ka taea te whai urunga hou e tuku painga rerekē. Mēnā kua whakamahi koe i a Aave kē rānei e hiahia ana ki te pūtea motuhake, tērā pea ka pai a GHO ki a koe nā te mea e hāngai ana ki tētahi pūnaha pūtea nui ake, ā, ka whiwhi hoki koe i ētahi kōrero (ma te kāwanatanga) mō te whakahaere o te pūmau. 

Ka taea e tō crypto te mahi nui ake

Kaua e tuku kia noho wātea ō rawa. Tīmata ki te whiwhi APY whakataetae i tēnei rā.

Haumaru & mārama

Waihangahia te pūkete

FXUSD – Te Moni Pūmaau Auaha Kuri Iti 🔍

Muri ake, let's kōrero mō FXUSD, he moni pūmau e kore pea koe i rongo mēnā kāore koe’re i te hōhonu ki ngā hapori DeFi. Ko FXUSD te moni pūmau taketake o te Function X (f(x)) Protocol – he kaupapa DeFi e puta mai ana. Ahakoa he iti rawa a FXUSD i te rahi o te mākete i te mea i kōrerohia, it’s he tauira pai tēnei o te ahunga whakamua i ngā moni pūmau. Whakaarohia a FXUSD te “kuri-ā-roto” i runga i tō mātou rārangi: kāore i te rongonui, engari he hangarau whakamīharo i raro i te kapa.

He aha te FXUSD? FXUSD he stablecoin e piri ana ki te US dollar, i hangaia kia mau tonu te uara 1:1 ki te US dollar, i tautokohia e ngā rawa crypto mā te kaupapa f(x). Ko te kaupapa f(x) e whai ana ki te whakarato i tētahi stablecoin motuhake e whakamahi ana i ngā rawa crypto hou me ngā rautaki. He āhuatanga nui ko te mea ko FXUSD kua whakakotahitia katoa i te aho-ā-tihi, arā ko ngā rawa katoa e tautoko ana i te FXUSD kua mau ki ngā kirimana atamai e taea e te tangata katoa te mātakitaki. Kāore tētahi e pupuri moni fiat i tētahi pēke mō te FXUSD; it’s he ōrite ki te USDS me te GHO i taua tikanga (i tautokohia e te crypto, ā, e whakahaerehia ana e te waehere).

Taurite me te Whakapūmau-ake: Hei whakaputa (minti) FXUSD, ka mau ngā kaiwhakamahi i ētahi atu pūkete matihiko hei taurite, ā, me tono anō whakapūmau-ake. Hei tauira, tērā pea ka tāpui e tētahi kaiwhakamahi $150 o te uara o Ether (rānei i tētahi taonga tautokohia) hei minti $100 FXUSD. Ka whakaritea tēnei kia mau tonu te FXUSD i te uara nui ake i te mea e whakaatu ana, e waihanga ana i tētahi ārai mō ngā panonitanga utu o te taurite.

He ara whakamīharo tō te Kaupapa Here f(x): e arotahi ana ki te whakamahi ngā rawa kua whakatūpato me ngā rawa e whakaputa hua hei kāri. He mea nui, ko tētahi whakaahuatanga o te pūnaha e kī ana i tētahi “amplified ETH token backed by staked ETH”. Ka tohu tēnei mēnā ka whakamahi koe i tētahi mea pērā i te ETH kua whakatūpato (e whiwhi hua whakatūpato) hei kāri, ka taea e te pūnaha te hopu i aua hua. He āhua hangarau tēnei, engari ko te kaupapa matua ko te ngana ki te hoahoa i tētahi moni pūmau e taea ana te tautokona e ngā rawa e whakaputa moni anō (pērā i ngā hua whakatūpato), kia pai ake te whaihua pūtea o te pūnaha, ā, kia āhei ngā kaipupuri moni pūmau ki te whai hua i aua hua ā‑whakawhāiti.

Pūnaha me te Whakamahinga: He pūtake matua a FXUSD ki te pūnaha Function X – e whakauru ana i ngā tono DeFi pērā i te tuku, te nama, me te hokohoko i runga i taua papatono. I roto i taua pūnaha, ka mahi a FXUSD i ngā whāinga maha:

• He pūtea pūmau mō te whakawhiti: e tuku ana i ngā kaiwhakamahi ki te whakawhiti kāore e manukanuka mō te huringa utu.
• ngā mahi DeFi: it’s whakamahia i ngā tikanga tuku (ka taea e koe te tuku FXUSD, te nama hoki), ngā pūkau waiwai (ka hoatu waiwai FXUSD, ka whiwhi utu), me ērā atu.
• He whare penapena uara: ka taea e ngā kaiwhakamahi te whakatū uara i roto i te FXUSD i ngā wā āwhiwhi i te āhua pōrearea, kaua e wehe i te papatere f(x).
• Tērā pea whakamahinga whakawhiti-aho: e tohu ana te Kaupapa f(x) i te hiahia kia mahi te FXUSD i runga i ngā aho maha ā muri ake nei, e whakapiki ana i tōna ngawari.

Heoi, i waho i te hapori f(x), kāore a FXUSD i te mōhiotia whānuitia. Ka taea e koe te kore kite i runga i ngā whakawhitiwhiti nui. I te mea, ināianei, kāore a FXUSD i te rārangi i ngā whakawhitiwhiti nui ā-roto, ā, ka hokohoko i runga i ngā whakawhitiwhiti kore-ā-roto i roto i tōna wāhanga. Ko tēnei tikanga he iti te waiwai whakawhitiwhiti ki ngā stablecoin nui, ā, mēnā e hiahia ana koe ki a FXUSD, me tiki i a ia mā te atanga ake o te Protocol f(x) rānei, mā tētahi DEX tautokona.

Pūmanatanga me te Kāwanatanga: FXUSD maintains its peg similarly by collateral rules and liquidations. The protocol also likely has a governance token (perhaps the Function X token FX) through which community members can vote on parameters like acceptable collateral types, collateral ratios, and other risk settings. This decentralized governance ensures that no single party can arbitrarily issue more FXUSD – it’s all rule-based. They emphasize mārama: ka taea e te tangata te tiro i ngā ōritanga pūrirotiro me ngā pūtea i ngā wā katoa, ā, ka kite hoki i ngā huringa i whakatakotoria, i whakatinanahia rānei.

He rārangi whakamīharo kotahi i ā rātou tuhinga: ka mahere rātou mō Te Whaiwhai Ture me te tiaki i te whakatōpū. Ka’ hoahoa ana te pūnaha kia whai i ngā ture e tū mai ana (pērā i te āhei ki te whakaatu i ngā pūtea pūtea, me te whakatinana i ētahi whakahaere mōrearea) me te kore e whakakore i te pūtake o te tuku whakatōpū. He’ uauatanga uaua tēnei, engari he maha ngā pūkete pūkete hou e whakaaro ana ki tēnei i te tīmata.

Ngā Painga me ngā Pōrewa o FXUSD:

• Painga:
  • Kua motuhake katoa, kei te aho: Pērā i ētahi atu moni pūtea pūkete kua whakakotahitia, kāore koe e don’t whakawhirinaki ki tētahi kamupene’s tahua pēke. He mārama katoa ngā mea e tautoko ana i te FXUSD i runga i te poraka pūkete.
  • Whakamahinga auaha o te taura pūtea: Mā te whakamahi i ngā rawa e whiwhi hua (pērā i te ETH kua whakapae) hei tautoko, ko te tauira o FXUSD’s kei te pito o te ahunga. Ka taea e tēnei te whakapakari ake i te moni pūtea, ā, ka āhei pea ngā kaipupuri ki te whiwhi hua ā‑taura i runga i te āhua huna.
  • Mana whakahaere ā-hapori: Ko ngā huringa me ngā whakahōutanga ki FXUSD e whakahaere ana e tētahi hapori, e hāngai ana ki te tikanga crypto.
  • Mārama: Ka whakaputa pea te kawenata i ngā mōhiohio tūturu i te wā mō te āhua o te tautokanga o FXUSD me tōna ōrau whakakapi. Ka taea e koe te whakamana i te it’s overcollateralized i ngā wā katoa.
  • Tipu whai wāhitanga: Mēnā ka tipu te pūnaha Function X, ka tipu hoki te hiahia mō FXUSD. Ka taea e ngā kaiwhakamahi tuatahi te whai painga i ngā whai wāhitanga hou (hei tauira, i ētahi wā ka tuku ngā stablecoin hou i ngā whakatenatena pērā i te mīnihi waiwai hei whakarewa i te whakamahinga).
• He kino:
  • He whakaaetanga iti i tēnei wā: Kāore a FXUSD i te whiwhi whakaaetanga whānui i waho i tōna wāhi. Kaore e taea te whakamahi i runga i te nuinga o ngā whakawhitinga, ki te hoko taonga – ka hiahia koe ki te hurihanga ki tētahi moni pūmau nui (pērā i te USDC/USDT) mēnā e hiahia ana koe ki te puta.
  • Mokowā iti: Me te iti ake o te rahi o te mākete, ka taea e ngā whakawhitinga nui i te FXUSD te huri i te utu. It’s pai mō te whakamahi iti engari kāore e tika mō ngā whakawhitinga nui rawa kāore he heke utu.
  • He āhua ako nui: Ko te whakamahi i te FXUSD ki tōna tino whānuitanga, ko te mahi tahi ki te Kaupapa f(x), e kore pea te tīmata e mōhio. He mea nui mō ngā kaiwhakamahi e torotoro ana i tua atu i ngā papanga DeFi matua.
  • Mōrearea kirimana atamai: Hei tauira i ngā kaupapa DeFi katoa, he mōrearea o ngā hapa me ngā whakatūtū i ngā kirimana atamai e whakahaere ana i te FXUSD. Kua whakamātauhia ngā kaupapa nui pērā i a Maker me Aave; ko ngā mea hou pērā i a f(x) he iti ake te hītori.
  • He kāore i te mōhiotia te ōritanga o te peke i ngā āhuatanga tino nui: Mai i te mea kāore anō a FXUSD i te whawhai i ngā āwhina mākete nui, kāore i whakamātauhia te kaha o tōna mau i te wā ka pā te heke nui o ngā uara whakakapi, me te mea he nui ngā tono utu. Ko te whakakapi nui ake e whakapono ana, engari ko ngā whakamātautau taumaha tūturu te taunakitanga tūturu, ā, ka kawea e te wā.

I te nuinga, FXUSD he moni pūmau mō te kaiwhakamahi crypto māia – those who are venturing into newer DeFi territories and want to try the latest designs in stablecoin technology. It might kāore i te kōwhiringa tuatahi mō ngā tīmata nā te mea kāore i te wātea noa, engari he pai ki te mōhio kāore i ngā moni pūmau katoa he rōpū nui o ngā kamupene, he DAO nui rānei. Ka tīmata ētahi i te iti i roto i ngā hapori motuhake, e whakatau ana i ngā raru motuhake (pērā i te whakamahi taonga kua whakapae hei tautoko i tētahi moni). Mēnā ko koe te momo kaiwhakamahi e aroha ana ki te torotoro i ngā papatono DeFi hou, FXUSD ka pai ki a koe i taua horopaki. Mō te tangata hou noa, ahakoa, tērā pea ka kite koe i te USDT, USDC, rānei USDS i te tuatahi, ā, ka taea e koe te mau ki aua moni āta, kia tae koe ki te wā e hiahia ana koe ki te whakamātau i te nuinga. 

Me pēhea te kōwhiri i te Stablecoin tika mō ō hiahia 🧩

Ina kua wehea e mātou’ ngā stablecoin rima nui o te USD – USDT, USDC, USDS (DAI), GHO, me FXUSD – tērā pea kei te whakaaro koe, “Ka pai, nē, ko tēhea te mea e hiahia ana koe ki te au whakatau?” Ko te whakautanga tika ko te mea he kahore he stablecoin e tika mō te katoa. He wāhanga whai painga me ngā whakaaro, ā, ko te kōwhiringa pai rawa e whakawhirinaki ana ki ngā mahi e mahia e koe me ngā mea nui ki a koe.

Anei ētahi āhuatanga me ngā āhuatanga hei āwhina i a koe ki te whakatau:

• 1. Whakaurunga me te Whakamahi o ia Rā: Mēnā kei te hiahia koe i tētahi moni pūtea pūmau e taea ai e koe te hoko i runga i tētahi whakawhitinga me te whakamahi i wāhi katoa, USDT or USDC he kōwhiringa rangatira. Kei te tautokohia whānuitia e rātou i runga i te nuinga o ngā papatono. Hei tauira, mēnā kei te hokohoko koe i runga i ngā whakawhitinga, me te hiahia tere ki te neke moni i waenganui i ngā mākete rerekē, ka taea te nui o te likiwai o USDT te āwhina nui. He māmā tonu te whiwhi i USDC (ina koa mō ngā kaiwhakamahi i te US mā te whakamahi i ngā papatono pērā i Coinbase) ā, ka whakaae whānui ki te whakamahi i ngā taupānga ā-roto me ngā taupānga kāore i te ārahi. Mō te nuinga o ngā tīmata, ko te tīmata me USDC, USDT te ara māmā rawa atu nā te mea kāore koe e pā ki ngā raru whakakotahitanga — ka whakaae te nuinga o ngā ratonga crypto ki a rātou.
• 2. Whakapono me te Mārama: Kei te āwangawanga koe mēnā i tino tautokohia e te moni te stablecoin? Mēnā ka whakaarohia e koe te mārama me te ture, USDC tērā pea ko te stablecoin e tino haumaru ai koe. He mātāmua mārama tōna, ā, ka whakahaerehia e ngā kamupene rongonui. Mēnā ka raru koe ki te whakaaro ki te whakapono ki te kupu a te kamupene, tērā pea ka huri koe ki USDS (DAI) rānei GHO, nā te mea ka taea e koe te tirotiro i tā rātou tautoko i runga i te pūnaha blockchain. Heoi, kia mahara, he uauatanga anō kei USDS/GHO. USDT, ahakoa he tino rongonui a USDT, e hiahiatia ana te whakapono nui ki ngā kīanga a te kaiwhakawhiwhi. He tangata kāore i te āwangawanga ki tēnei i runga i tōna hītori; ko ētahi atu e pai ake ana ki te āhua e taea ai te tirotiro mārama, he mea whakatōpū ake o ngā kōwhiringa.
• 3. Whakamāhere me te Kaha ki te Whakapūmau i te Whakarāpopoto: Mēnā ka huri tōu mātāpono crypto ki “ko te whakamāhere te matua”, ka whai muri USDS (DAI) me GHO he mea ātaahua. Ka whakahaerehia e ngā hapori me te waehere. He iti ake te mana tika a ngā kāwanatanga, ngā kamupene ki ēnei. Hei tauira, kāore e taea e tētahi te whakakiri i te katoa o te DAI i te ao – ka whakahaerehia e ngā ture whakamāhere. He ōrite, ka whakahaerehia te GHO e te hapori a Aave. FXUSD he pai hoki ki konei, ahakoa he iti noa te whakaae, ka taea pea e koe te whakamahi i tēnei mēnā kei roto koe i taua pūnaha motuhake. Heoi, mahara, ahakoa ngā stablecoin whakamāhere he wāhi pūkenga ā-roto (pērā i te ranu pūtea o USDS, ngā whakatau whakahaere). Engari, i te nuinga o te wā, ka whiwhi koe i te rangatiratanga nui ake, ā, ka hāngai ki te wairua taketake o te crypto.
• 4. Whakamahinga i DeFi mō te Whiwhi Hua: Kei te whakamahere koe ki te whakamahi i ngā moni pūmau mō whiwhi moni ā-māui nā te tuku nama, te mahi whakatipu hua rānei? Mēnā āe, ka rerekē ngā reiti hua me ngā whai wāhitanga:
  • USDS (DAI) e tuku ana i te DSR hei huarahi māmā ki te whiwhi mā te pupuri noa i te wāhi tika. Ka taea tēnei te āwhina tino mō ngā tīmata: tāurutia te DAI/USDS ki te kirimana DSR a MakerDAO, ā, whiwhi hua aunoa.
  • USDT me USDC don’t utu i a koe mō te pupuri anake, engari ka taea e koe te tuku nama ki runga i ngā papatono maha (Aave, Compound, ngā whakawhiti kāri e tuku hua whiwhi, aha atu) i te nuinga o te wā mō ngā hua whakaaetanga. Ka taea e USDC te whiwhi tono nama iti ake i ētahi papatono DeFi nā te mea e whakapono ana ngā rōpū ki a ia, ā, ko USDT he tono nui i ngā papatono hokohoko.
  • GHO doesn’t te utu ki ngā kaipupuri i te painga i te nuinga (i te mea, ko ngā kaiwhiwhi te utu), engari ka taea e koe te rapu i ngā whai wāhitanga ki te tuku awhi ki te GHO, ki te whakarato pūtea-rua me te GHO i runga i te Aave, i ētahi atu papaaho hoa, kia whiwhi hua.
  • FXUSD ka taea te whai hua nui i roto i tāna taiao-ā-motu mēnā ka whakatenatena te kaupapa i te whakamahinga (ka whakapainga ngā kaupapa hou i ngā kaiwhakahaere pūtea-rua tuatahi ki te ātaahua). Heoi, tērā pea ka whai pānga nui ake te mōrearea.
• 5. Hokohoko me te Arbitrage: Mēnā kei te hokohoko kaha koe’, tērā pea ka whakamahi i ngā moni pūkete pūmau maha. Hei tauira, tērā pea ka puta he rerekētanga utu i waenganui i ngā tātua USDT me USDC – ka hiahia ngā kaihokohoko arbitrage i ngā mea e rua i ētahi wā. Engari mō te tīmata, he mea tika kia mau ki tētahi moni pūkete pūmau pai mō te hokohoko. He maha ngā wā ka ko USDT te tātua taketake mō ngā altcoins i ngā taurewa maha, nō reira he whaihua te whai USDT i ētahi wā mēnā ka hokohoko koe i ngā momo moni matihiko rerekē. I ngā taurewa e hāngai ana ki ngā ture o te US, tērā pea ko USDC te tātua taketake. Tirohia ko tēhea moni pūkete pūmau te mea matua i te papatono e whakamahia ana e koe, ā, whiriwhiria tēnei mō te ngawari.
• 6. Te huri ki te moni (Off-ramping): Mēnā ko tō whāinga kia tukuna te moni ki tō pēke, tirohia ko tēhea stablecoin e māmā ai tēnei. USDC he ara tuku/whiwhi fiat kaha (ka whakaaetia e Circle me Coinbase te hurihanga 1:1 ki te USD i ngā pūkete pēke i ngā rohe maha). USDT ka taea hoki te tuku mā ētahi whakawhitinga rānei i ngā ratonga tuatoru, engari tērā pea he āhuatanga uaua (rānei ngā utu). Mēnā ’kei i tētahi rohe e aukatihia ana ētahi stablecoin, he mea nui tēnā. Hei tauira, kāore ētahi ratonga i te US i te USDT i te mea he ārai ā-ture, engari i te ao whānui, he tino wātea te USDT. Coinstancy ā, ka taea e ngā kaiwhakarato ratonga crypto ōrite te ārahi i a koe mō te whakawhiti i ō stablecoin ki te moni ā-rohe i tētahi huarahi e hāngai ana ki ngā ture, ā, he nui te wā ka whai wāhi te USDC, te USDT rānei ki taua huringa.
• 7. Ngā Take ā-Rohe me te Whakamana: Ka rerekē ngā ture mō ngā moni pūmau i ia whenua. I te EU i raro i te ture MiCA, ka tino whakahaeretia ngā moni pūmau nui, ā, ka taea te whai painga ki ngā mea pērā i te USDC (ka whakaae) ka taea te whakakore i ētahi atu mēnā don't meet requirements. I te US, mēnā ka whakaaetia ngā ture hou, ka hiahia rātou kia whai raihana motuhake ngā kaiwhakawhiwhi (ka pai pea a Circle, engari ka rerekē pea te āhua o Tether’s). Mēnā e āwangawanga ana koe mō te aukati, te here rānei o tētahi moni pūmau i tō whenua, tērā pea ka kōwhiri i te mea e pai ana ki ngā kaiwhakahaere (USDC i tēnei wā). Ano, mēnā ka raruraru koe i ngā utu whakawhitinga i runga i te Ethereum, tirohia ngā moni pūmau i runga i ngā whatunga utu iti: hei tauira, USDT on Tron he rongonui mō ngā whakawhitinga utu tata ki te kore utu; USDC on Layer-2s rānei ko Solana he utu iti hoki. Ka taea te whakamahi i ngā moni pūmau motuhake pērā i te USDS/GHO i runga i te Ethereum me ngā aho rerekē, engari me maumahara ka utu koe i ngā utu huka e hāngai ana ki aua aho.
• 8. Whakaurunga Āhuwhenua: Mēnā kei te whai wāhi koe ki tētahi āhuwhenua crypto motuhake, whakamahia te moni pūmau e pai ana ki te āhuwhenua. Hei tauira:
  • Mēnā e rata ana koe Aave and its ecosystem, te pupuri, te nama GHO ka taea te whiwhi painga (pērā i te hekenga pānga, ngā whakamahinga motuhake ā muri ake i te Lens).
  • Mēnā he nui tōu hiahia ki te Ethereum DeFi whānui, USDS (DAI) he tauwhāiti noa e mahi ana i ngā wāhi maha, ā, tērā pea ka pai ki a koe ki te whakaiti i te whakaata arotahi.
  • Mēnā ka whakahaere koe i runga i tētahi aho iti ake, i tētahi DEX motuhake e whakamahi ana i tētahi moni pūmau anake, whiriwhiria tēnei (he DEX ētahi e whakamahi ana i te USDC hei pūkete pūtea matua, ētahi atu e whakamahi ana i te DAI, me ērā atu).
• 9. Whakaranu: He mea tika tonu kia kaua e kōwhiri i tētahi anake. He maha ngā kaiwhakamahi crypto e pupuri ana i tētahi kēke o ngā moni pūmau mō ngā whāinga rerekē. Hei tauira, tērā pea ka pupuri i ētahi moni whakapau/whakawhitinga i roto i te USDT, ētahi i te USDC hei moni pūmau “savings” e whakapono ana koe, ā, ētahi i te DAI kua mau ki te DSR hei whiwhi painga. Ka taea hoki e koe te whakamātau i te GHO, FXUSD rānei mēnā kei te hiahia koe ki te tākaro ki aua pūnaha. Ka taea te whakaranu i ngā moni pūmau te whakaiti i te mōrearea ka ngaro te hononga o tētahi, ka pā ki tētahi raruraru.

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Hei whakakapi, anei he rārangi poto:

• USDT – Pai mō te waiwai me te whakaae whānui; pai mō te hokohoko kaha me ngā whakawhitiwhiti ā-ao (ina koa i ngā whatunga utu-iti). He kaiwhakarato kaha mō te katoa mēnā kāore koe e āwangawanga ki te whakawhirinaki i te Tether Ltd.
• USDC – Pai mō te mārama me te tūmanako o te manawaroa whakahaere; tika mō rātou e hiahia ana ki te rangimārie o te hinengaro me te hurihanga moni ngawari. He mea whiriwhiri nui mō te roanga wā roa nā te āhua arotake.
• USDS (DAI) – Pai mō te whakawhitinga mana me te whiwhi mā te DSR; he pai ki te tangata e mōhio ana ki te DeFi, ki te hiahia ki te karo i ngā rōpū pūmau. Whakamahia kia noho i roto i te pūnaha crypto katoa me te tiaki iti.
• GHO – Pai mēnā he kaiwhakamahi Aave koe, he tangata e rata ana ki te DeFi e rapu ana i ngā whai wāhitanga hou; ka taea te tiaki i ō utu māmā mēnā ka nama, ā, ka tautoko i te tipu o te hapori Aave.
• FXUSD – Mō ngā kaiārahi e torotoro ana i a Function X, i ngā papatono ōrite; kāore e taunaki mō ngā tīmata mēnā kāore koe i te whai wāhi motuhake ki taua pūnaha.

Mō te mutunga, Ko te stablecoin e tika ana mōu rawa atu ko te mea e hāngai ana ki ō hiahia me tō taumata haumaru. Mēnā kāore koe i te mōhio, ko te tīmata ki tētahi o ngā stablecoin nui, kua taupū (USDC, USDT) he huarahi tika. Ka taea e koe te whakawhānui tonu i te wā e ako ana koe. Mahara, kei te whakawhānui haere te ao crypto– stablecoins i tēnei rā he kaha, engari me mātakitaki tonu i ngā rongo (pērā i ngā huringa whakahaere, ngā pānuitanga nui a ngā kaiwhakawhiwhi) e pā ana ki te mea e mau ana koe. Ko te noho mōhio ka āwhina i a koe ki te whakatau i te mea pai rawa, ā, ko ngā papatono pērā i a Coinstancy kei konei hei tuku whakahōutanga me ngā aratohu hei ārahi i a koe i ēnei kōwhiringa i tō haerenga crypto. 里