Pošta Kako stabilni kovanci služijo denar? by Sungyu Kwon pojavil prvi na Na bencin. Obiščite Na bencin da bi dobili več odličnih vsebin, kot je ta.
Kot že ime pove, a stabilno is a type of digital cryptocurrency that is developed to maintain a fixed or stable value. As highly volatile assets, cryptocurrencies can be difficult to use everyday transactions. A vital role of any currency is its ability to act as a medium of exchange and a storage of monetary value. For example, if you plan to purchase apples three days from now using Ethereum, the number of apples you will be able to purchase could swing widely in that three-day span. If you know that you need to purchase a set amount of apples in the near future, it will be more practical for you to purchase them using fiat currency like U.S. dollars because the dollar holds a stable value over extended periods of time. Customers are likely to be hesitant to use a currency if they have no way of knowing what their purchasing power will be in the near future.
Stablecoins provide value to their users by providing them with a low-volatility cryptocurrency that holds a stable purchasing power level for extended amounts of time. This feature allows customers to use stablecoins as a better medium of exchange. Stablecoins are linked to underlying assets that help peg their price to more stable assets such as the U.S. dollar. It is important to note that unlike cryptocurrencies like Bitcoin, the vast majority of stablecoins derive their value from reserve assets that may be redeemed for the stablecoin. These reserve assets can consist of a wide array of assets such as fiat currencies, kripto in blago.
Stablecoins can be split into two groups: centralized stablecoins that hold their collateral off-chain and decentralized stablecoins that hold their stablecoin reserves on-chain.
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How Stablecoins Make Money
The business models and revenue streams of stablecoin companies vary depending on whether they are a centralized stablecoin or a decentralized one.
Centralized stablecoins are stablecoins that hold their reserve assets off-chain. These reserve assets are controlled by a central authority or financial institution. It is important to note that a stablecoin backed by a large amount of non-crypto assets is likely to be an off-chain centralized stablecoin. Examples of these stablecoins include Tether, USDC, Paxos Standard and the Gemini dollar.
Centralized stablecoins bring in revenue in a variety of ways. One of the most prominent ways stablecoin companies make money is through short-term lending and investing. These companies take a portion of the reserve assets and lend them out to others to earn interest, counting on the unlikelihood that a large number of stablecoin holders would redeem their collateral at once. This method mirrors how a bank operates by lending out the money customers place in savings accounts. An example would be when Tether loaned $1 billion to Celsius Network in October 2021. Alex Mashinsky, the CEO of Celsius Network, confirmed that the network would pay Tether an interest rate of 5% to 6% per year. Therefore, this deal will generate Tether between $50 to $60 million dollars per year.
Another example of centralized stablecoin companies participating in lending and investing is Circle. Circle is the company that developed USDC in collaboration with Coinbase Global Inc. (NASDAQ: COIN). In July 2021, Circle acknowledged that 61% of USDC reserves were in cash or cash equivalents while the rest was invested in a variety of assets such as Certificates of Deposit, corporate bonds, municipal bonds, U.S. Treasuries and commercial paper.
Centralized stablecoins also bring in revenue through charging issuance and redemption fees. You incur fees when you create stablecoins by handing over collateral or if you redeem your stablecoins for the original collateral. These fees tend to be relatively small, with Tether charging a 0.1% redemption fee. However, Tether does have a minimum withdrawal fee of $1,000 dollars to discourage low-volume redemptions.
Decentralized stablecoins are stablecoins that hold their reserve assets on-chain using other cryptocurrencies and smart contracts. This process helps solve the transparency issues that centralized stablecoin providers face. These stablecoins use smart contracts to eliminate the need for a third party. Decentralized stablecoins often issue an additional cryptocurrency along with the pegged stable cryptocurrency that serves different purposes such as governance and revenue sharing. For example, the MKR token of MakerDao is the more volatile governance token while the DAI token is the pegged stablecoin.
The MakerDao’s MKR token also provides rights to interest on collateral. The interest, which is known as the stability fee, is paid in MKR tokens, which are then subsequently burned. Burning decreases the supply of MKR and should lead to an increase in price. Many decentralized stablecoin projects issue cryptocurrencies as payment and incentives to the founding team. The decentralized autonomous organizations (DAOs) behind the decentralized stablecoins can then vote to issue more of these tokens to reward groups or individuals who perform vital roles for the project.
Are Stablecoins Worth Investing In?
Stablecoins can serve as an excellent investment and provide a wide array of investment opportunities. However, it is important to note that stablecoins have faced recent controversies regarding their collateral. It is important to do your due diligence for all investments, including stablecoins.
How to Make Money On Stablecoins
You can earn money in a variety of ways by investing in stablecoins. Note that just holding stablecoins will not earn money since the value is pegged to stay at the same value. You can earn interest on your stablecoins by lending them out on various protocols. For example, in March 2022, lending your DAI tokens on Compound pays an annual percentage yield (APY) of 2.56% while lending USDC pays an APY of 2.03%.
You can earn up to an 9% annual percentage rate (APR) on stablecoins from creating an interest-bearing crypto account with a platform like Gemini, hodlnaut or Celsius. These platforms offer competitive interest rates for stablecoins, and depending on the stablecoin you choose, you can earn between 5% to 9% annually with less risk than with traditional cryptocurrencies.
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Navedeno poslanstvo Hodlnauta je pomagati posameznim vlagateljem, da kar najbolje izkoristijo svoje kriptovalute. Podjetje sodeluje z institucijami, kot so Fireblocks, Jumio, Nexus Mutual in Okcoin, da bi omogočilo stabilno kriptovalovanje.
- Kdor želi varčevati za prihodnost
- Lastniki kriptovalut, ki ne želijo biti aktivni vlagatelji
- Vlagatelji, ki želijo diverzificirati svoje portfelje
- Kakovostne obrestne mere za varčevalne račune
- Enostavna navigacija in zmogljiva mobilna aplikacija
- Informacije za lastnike kriptovalut začetnike do naprednega trgovca
- Ni zavarovan FDIC ali SIPC
- Ekipa za pomoč strankam ni dosegljiva po telefonu
Celsius Network je platforma, ki vam omogoča nakup, izposojo in plačilo v več kot 30 kriptovalutah.
Z vidika uporabnika deluje kot nekaj vmes med varčevalnim računom in naložbenim portfeljem. Uporabniki lahko za svoja kripto sredstva prejmejo tudi premalo zavarovana posojila zahvaljujoč stopnji centralizacije.
Tveganje, ki običajno prihaja s trgovanjem s kriptovalutami, pa je manjše zaradi Celsiusovega edinstvenega poslovnega modela. Vsi depoziti so zavarovani do 100 milijonov dolarjev in ni nobenih omejitev dvigov, provizij ali obdobij zaklepanja, tako da lahko izplačate denar, kadar koli je to potrebno, takoj ko je to potrebno.
Celsius Network na splošno ponuja manjše tveganje in manj zapleten način tako za začetnike kot za HODLers da kupujejo in zadržujejo kriptovalute, hkrati pa zaslužijo stabilne donose svojih naložb.
- Pasivni dohodek
- Kripto investitorji
- Začetniki
- Nagrade do 15 % APY se izplačujejo tedensko
- Mobilna platforma, enostavna za uporabo
- Na voljo v več kot 100 državah
- Takojšnja plačila brez provizije z uporabo CelPay
- Odličen program zvestobe
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Gemini je menjalnica in skrbnik kriptovalut, ki vlagateljem ponuja dostop do več kot 100 kovancev in žetonov. Podjetje Gemini, ustanovljeno v ZDA, se širi po vsem svetu, zlasti v Evropo in Azijo. Ponudbe vključujejo tako velike projekte kriptovalut, kot sta Bitcoin in Ethereum, kot manjše altcoine, kot sta Orchid in 0x.
Gemini je eden od edinih posrednikov z več možnostmi platforme glede na raven znanja. Novi vlagatelji bodo navdušeni nad poenostavljenim vmesnikom Geminijevih mobilnih in spletnih aplikacij, medtem ko bodo napredni vlagatelji morda cenili vsa orodja, ki so priložena ActiveTraderju.
Poleg številnih izbir platform imajo uporabniki Gemini tudi dostop do zavarovanih vročih denarnic za shranjevanje žetonov, ne da bi jih skrbelo krajo digitalnih sredstev. Izvedite več o tem, kaj lahko Gemini naredi za vas v našem pregledu.
- Novi vlagatelji, ki iščejo preprosto mobilno in spletno aplikacijo
- Dnevni trgovci, ki želijo uporabljati orodja za tehnično analizo
- Uporabniki, ki iščejo trgovino na enem mestu za nakup, prodajo in shranjevanje vseh svojih kriptovalut
- Enostavne in hitre prijave – lahko začnete že v 5 minutah
- Številne platforme za prilagajanje trgovcem vseh ravni znanja
- Vroče denarnice vključujejo zavarovanje za zaščito pred krajo in poskusi vdora
- Uporabnikom, ki kupujejo in prodajajo prek namizja ali mobilne aplikacije, zaračunava provizijo in priročnost
Should You Use Stablecoins?
Stablecoins can be especially helpful if you are looking to borrow money on decentralized lending protocols such as Sestavljeni in Aave. They are a vital part of the decentralizirane finance (DeFi) ecosystem. On these protocols, users provide collateral to borrow funds. The users must over-collateralize or, in other words, provide more value in collateral than the asset that is borrowed. If the value of the collateral drops compared to the asset that is borrowed, the user is liquidated and loses the collateral. Stablecoins are useful when used as collateral on these borrowing and lending protocols because they carry less of a risk of liquidation.
How are Stablecoins Funded?
Stablecoins are funded by their users. A stablecoin is created when a user chooses to lock up collateral to mint a stablecoin.
Stablecoin Outlook for 2022 and Beyond
The vast majority of stablecoins should stay at the same value in 2022. However, stablecoins carry the risk of a bank run if the stablecoin lacks the proper backing. Some stablecoins have recently faced controversies regarding if they truly possess the amount of collateral that they claim.
Pošta Kako stabilni kovanci služijo denar? by Sungyu Kwon pojavil prvi na Na bencin. Obiščite Na bencin da bi dobili več odličnih vsebin, kot je ta.
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