I-Stablecoins: Ingabe izinzile ngempela kunezinye i-cryptocurrencies?

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I-Stablecoins: Ingabe izinzile ngempela kunezinye i-cryptocurrencies?

I-Stablecoins: Ingabe izinzile ngempela kunezinye i-cryptocurrencies?

Umbhalo wesihlokwana
Abatshalizimali abakhathazekile ngokukhuphuka nokwehla kwamanani entengo ye-cryptocurrency baphendukela kuma-stablecoins ukuze bathole ukuthula kwengqondo.
    • About the Author:
    • Igama lomlobi
      I-Quantumrun Foresight
    • January 7, 2022

    Isifinyezo sokuqonda

    I-Stablecoins, uhlobo lwe-cryptocurrency, ihlinzeka ngendawo yokushintshanisa ethembekile nefinyelelekayo enika abantu ngabanye nezinkampani amandla okubamba iqhaza emnothweni womhlaba ngaphandle kwemikhawulo yamabhange evamile. Ohulumeni bangasebenzisa ama-stablecoins ukuze bahwebe ngemali yezwe ngokuzimela, bavale igebe phakathi kwezimali ze-fiat kanye ne-cryptocurrencies. Imithelela yokukhula kwe-stablecoin ihlanganisa intuthuko kubuchwepheshe be-blockchain, ukufakwa kwezimali, izinkokhelo ezisheshayo ezinqamula imingcele, kanye noshintsho olungase lube khona ekuguquguqukeni kwamandla phakathi kohulumeni nezikhungo zezezimali. 

    Izimo ze-Stablecoins

    Njengoba ama-cryptocurrencies, ngokuvamile, ayimisebenzi yedijithali engasekelwa yi-fiat (imali yomhlaba wangempela noma uhlobo lwemali), amanani abo anamandla okuguquguquka kakhulu. Ngo-2014, i-stablecoin yokuqala, i-Tether, yadalwa, ithi ithokheni ngayinye "iboshiwe" endaweni yokugcina idola elawulwa ngumuntu wesithathu ophakathi. Ngakho-ke, abatshalizimali baqinisekiswa ukuthi amathokheni abo awakhishwa emoyeni omncane futhi afanele amadola angempela. Amanye ama-stablecoins asekelwa ngisho nezimpahla ezingezona zemali ezifana ne-CACHE Gold ne-Petro (amafutha).

    Kodwa-ke, ama-stablecoins nawo anokugxeka okuthile. I-Tether, i-stablecoin enkulu kunazo zonke, ithi amathokheni abo asekelwa ngamadola angu-100, kodwa lapho bekhipha ukuhlukaniswa kwempahla yabo ngoMeyi 2021, ngaphansi kwamaphesenti angu-3 we-Tethers empeleni ayesekelwa yimali. Lokhu kwaholela ekungathembani phakathi kwabatshalizimali ikakhulukazi nabalawuli, abangazange bakwamukele kakhulu ukuthandwa okukhulayo kwama-stablecoins, ikakhulukazi ngenxa yokuthi abahlanganiswa nezinga lemithethonqubo efanayo namabhange amakhulu. 

    UJerome Powell, usihlalo we-US Federal Reserve, uthe ngo-2021 ukuthi izinhlamvu zemali noma izinhlamvu zemali zedijithali empeleni ziphuma lapho zigijima i-amok, ngaphandle kohlaka olujwayelekile lokuziqapha noma ukuzilawula. Abalawuli bacabanga ukuthi uma ama-stablecoins ezoba umdlali omkhulu ezinkokhelweni zomhlaba wonke, kufanele abe ngaphansi komthetho ukuze ahlinzeke ngokuphepha nesiqiniseko kubasebenzisi. 

    Umthelela ophazamisayo

    I-Stablecoins inikeza indlela ethembekile nefinyelelekayo yokushintshanisa ehamba ngaphezu kwemikhawulo yebhange evamile. Ngokukwazi ukwenza imisebenzi 24/7 kusuka noma yikuphi emhlabeni, ama-stablecoins ahlinzeka ngezinga lokunethezeka nenkululeko yezezimali ebingafinyeleleki ngaphambilini. Lesi sici sinikeza amandla abantu ngabanye ukuthi babambe iqhaza emnothweni womhlaba ngokwemibandela yabo, ngaphandle kokuncika ezikhungweni zamabhange noma emigomeni yendawo.

    Ukwengeza, ngokusebenzisa ama-stablecoins, izinkampani zingakwazi ukudlula ukungasebenzi kanye nokubambezeleka okuvame ukuhlotshaniswa nezinhlelo zamabhange zendabuko. Lesi sici singenza kube lula ukuhwebelana kwamazwe ngamazwe futhi kusize izinkokhelo ezisheshayo, eziphephe kakhudlwana ezinqamula imingcele. Ukwengeza, ama-stablecoins ahlinzeka ngokubonakala obala ekuthengiseni, ukunciphisa ingozi yokukhwabanisa nokuhlinzeka izinkampani ngendawo yezezimali evikelekile kakhudlwana. 

    Ohulumeni bangazuza kuma-stablecoins ngokusebenzisa amandla abo okuhweba ngemali yezwe ngaphandle kokungenelela kukahulumeni. Nakuba izimali zedijithali zebhange elimaphakathi (CBDCs) zithuthukiswa amazwe amaningana, ama-stablecoins angasebenza njengebhuloho phakathi kwezimali zendabuko ze-fiat kanye ne-cryptocurrencies. Ohulumeni bangabuka ama-stablecoins njengendlela yokukhuthaza ukusetshenziswa kwe-cryptocurrencies kuyilapho begcina izinga elithile lokulawula phezu kwe-ecosystem yezezimali. 

    Imiphumela ye-stablecoins

    Imithelela ebanzi yokukhula kwe-stablecoin ingabandakanya:

    • Abatshalizimali be-Crypto banikezela ukutshalwa kwezimali okwengeziwe kwamanye ama-stablecoins asekelwa impahla njengegolide, uwoyela, namandla avuselelekayo.
    • Amabhange amakhulu adedela ezawo zemali zedijithali ukuze abhekane nezinhlamvu zemali ezizinzile, okungukuthi, izimali zedijithali zebhange eliphakathi.
    • Izinhlelo zokukhokha ziya ngokuya zincamela ama-stablecoins kunezinye i-cryptocurrencies.
    • Ukufakwa kwezimali ngokunikeza abantu abasezifundeni ezingenawo amabhange aphansi ithuba lokufinyelela kundlela yokushintshana ezinzile nevikelekile, okubanikeza amandla okuba babambe iqhaza kakhulu emnothweni womhlaba.
    • Intuthuko kubuchwepheshe be-blockchain, ukushayela okusha emikhakheni ehlukahlukene ngale kwezezimali, njengokuphathwa kwe-supply chain, ukuqinisekiswa kobunikazi, nezinhlelo zokuvota.
    • Izinkokhelo ezisheshayo, ezishibhile, nezivikeleke kakhudlwana ezinqamula imingcele, ezizuzisa abasebenzi bokufika abathembele kakhulu emalini ephumayo ukuze bondle imindeni yabo ekhaya.
    • Ikusasa elisimeme ngokunciphisa isidingo sokukhiqizwa kwephepha, ukwehlisa ukukhishwa kwekhabhoni ehambisana nezokuthutha kanye nokunciphisa umthelela wemvelo wezinsimbi zezimayini ezisetshenziswa ngezinhlobo zemali zendabuko.
    • Ukushintshashintsha kwamandla phakathi kohulumeni, amabhange amakhulu, nezikhungo zezimali zomhlaba.
    • Abantu abasezifundeni ezinezinhlobo zemali ezingazinzile noma ezithambekele ekukhuphukeni kwamandla emali abakwazi ukulondoloza ingcebo yabo phakathi nokuntengantenga kwezomnotho, ukwehlisa ukungalingani kwezenhlalo-mnotho.
    • Ukukhathazeka mayelana nobumfihlo bedatha yabathengi kanye nokuvikeleka, okwenza ohulumeni basungule imithetho emisha neziqondiso ukuze bathole ibhalansi phakathi kokusungula izinto ezintsha nokuvikela ulwazi lomuntu siqu.

    Imibuzo okufanele icatshangelwe

    • Ungacabanga ukutshala imali kuma-stablecoins esikhundleni se-Bitcoin?
    • Yiziphi izinhlobo zemithetho ezingathuthukisa ukutholwa kwe-stablecoins?

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