{"id":3389,"date":"2023-04-26T09:24:17","date_gmt":"2023-04-26T09:24:17","guid":{"rendered":"https:\/\/coinkickoff.com\/?p=3389"},"modified":"2026-01-08T14:11:23","modified_gmt":"2026-01-08T14:11:23","slug":"usdc-vs-dai","status":"publish","type":"post","link":"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/","title":{"rendered":"USDC vs DAI: Kter\u00fd je lep\u0161\u00ed?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2920 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai.jpg\" alt=\"USDC vs DAI\" width=\"1000\" height=\"563\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai.jpg 1000w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-300x169.jpg 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-768x432.jpg 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-18x10.jpg 18w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-600x338.jpg 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00ed poplatky<\/li><li><strong>120 milion\u016f<\/strong> Registrovan\u00ed u\u017eivatel\u00e9<\/li><li>Bezpe\u010dn\u00fd fond aktiv pro u\u017eivatele<\/li><li>Vyd\u011bl\u00e1vat na vkladech<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina zem\u00ed<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S\u00eddlo v USA<\/li><li>Za\u010dn\u011bte s co nejmen\u0161\u00edm po\u010dtem <strong>$10<\/strong><\/li><li>N\u00e1kup a prodej <strong>200+<\/strong> kryptom\u011bny<\/li><li>Pro \u0159e\u0161en\u00ed pro v\u011bt\u0161\u00ed obchodn\u00edky<\/li><li>K dispozici v <strong>190+<\/strong> zem\u011b<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S\u00eddlo v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li>Z\u00edskejte Crypto po prvn\u00edm n\u00e1kupu<\/li><li>Chr\u00e1n\u011bno poji\u0161t\u011bn\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladov\u00e1n\u00ed s ochranou trezoru<\/li><li>Nejd\u016fv\u011bryhodn\u011bj\u0161\u00ed platforma pro kryptom\u011bny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n<\/p>\n<p><b>Stablecoins se l\u00edb\u00ed <a href=\"https:\/\/coinkickoff.com\/cs\/usd-coin-usdc\/\" data-internallinksmanager029f6b8e52c=\"8\" title=\"Co je USD Coin (USDC)? Jak funguje a kde ho koupit?\">USDC<\/a> a <a href=\"https:\/\/coinkickoff.com\/cs\/dai-dai\/\" data-internallinksmanager029f6b8e52c=\"20\" title=\"Co je Dai (DAI)? Jak funguje a kde ho koupit?\">DAI<\/a> jsou nav\u00e1z\u00e1ny na USD jedna ku jedn\u00e9, co\u017e znamen\u00e1, \u017ee maj\u00ed cenovou stabilitu.<\/b><span style=\"font-weight: 400;\"> D\u00edky tomu je lze pou\u017e\u00edt k n\u00e1kupu a obchodov\u00e1n\u00ed s jin\u00fdmi kryptom\u011bnami nebo k investic\u00edm do projekt\u016f DeFi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V t\u00e9to recenzi USDC vs DAI vysv\u011btl\u00edme rozd\u00edly mezi ob\u011bma stabiln\u00edmi coins a uvedeme rizika a v\u00fdhody jejich obchodov\u00e1n\u00ed.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sekce<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"P\u0159epnut\u00ed tabulky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">P\u0159ep\u00edna\u010d<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#The_History_of_Circle_USDC_and_DAI_Coin_DAI\" >Historie kruhu (USDC) a DAI Coin (DAI)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#How_Do_USDC_and_DAI_Work\" >Jak funguje USDC a DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#What_Are_the_Main_Use_Cases_of_USDC_and_DAI\" >Jak\u00e9 jsou hlavn\u00ed p\u0159\u00edpady pou\u017eit\u00ed USDC a DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#USDC_and_DAI_Price_History\" >USDC a DAI Cenov\u00e1 historie<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#USDC_Price_History\" >USDC Cenov\u00e1 historie<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#DAI_Price_History\" >DAI Cenov\u00e1 historie<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Circle_and_DAI_Market_Cap\" >Kruh a DAI Tr\u017en\u00ed kapacita<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#USDC_Market_Cap\" >USDC Tr\u017en\u00ed kapitalizace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#DAI_Market_Cap\" >DAI Tr\u017en\u00ed kapitalizace<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#USDC_vs_DAI_Main_Similarities\" >USDC vs DAI Hlavn\u00ed podobnosti<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#USDC_vs_DAI_Main_Differences\" >USDC vs DAI Hlavn\u00ed rozd\u00edly<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Pegging_Mechanism\" >Mechanismus zav\u011b\u0161en\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#State_of_Reserves\" >Stav rezerv<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Governance\" >Spr\u00e1va<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Market_Capitalization\" >Tr\u017en\u00ed kapitalizace<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Risks_Associated_With_USDC_and_DAI\" >Rizika spojen\u00e1 s USDC a DAI\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Risk_of_Losing_Their_Peg\" >Riziko ztr\u00e1ty kol\u00edku<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Legal_and_Financial_Risks\" >Pr\u00e1vn\u00ed a finan\u010dn\u00ed rizika<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Where_Can_You_Buy_USDC_and_DAI\" >Kde si m\u016f\u017eete koupit USDC a DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#How_Can_You_Exchange_USDC_for_DAI\" >Jak m\u016f\u017eete vym\u011bnit USDC za DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/coinkickoff.com\/cs\/usdc-vs-dai\/#Future_Plans_for_Circle_and_DAI\" >Budouc\u00ed pl\u00e1ny pro Circle a DAI<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_History_of_Circle_USDC_and_DAI_Coin_DAI\"><\/span><span style=\"font-weight: 400;\">Historie kruhu (USDC) a DAI Coin (DAI)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC byla uvedena na trh spole\u010dnost\u00ed <\/b><a href=\"https:\/\/www.circle.com\/en\/\" target=\"_blank\" rel=\"noopener\"><b>Kruh<\/b><\/a><b>, konsorcium, kter\u00e9 zahrnuje <\/b><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"noopener\"><b>Coinbase<\/b><\/a><b> v roce 2018.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">P\u016fvodn\u011b m\u011bl b\u00fdt USDC kryt\u00fd dolarov\u00fdmi rezervami, pozd\u011bji v\u0161ak spole\u010dnost <\/span><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2021-08-11\/coinbase-drops-promise-of-token-s-cash-backing-that-wasn-t-true\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">zm\u011bnila tuto politiku<\/span><\/a><span style=\"font-weight: 400;\"> na <\/span><b>podpo\u0159it stablecoin jin\u00fdmi investicemi, jako jsou podnikov\u00e9 dluhopisy, americk\u00e9 st\u00e1tn\u00ed dluhopisy a komer\u010dn\u00ed cenn\u00e9 pap\u00edry.<\/b><span style=\"font-weight: 400;\">. Podle Circle, <\/span><a href=\"https:\/\/markets.businessinsider.com\/news\/currencies\/coinbase-crypto-stablecoin-usdc-mistake-reserves-treasuries-cash-treasurys-circle-2021-8\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">p\u0159ibli\u017en\u011b 61% z USDC rezerv<\/span><\/a><span style=\"font-weight: 400;\"> jsou tvo\u0159eny pen\u011bzi a pen\u011b\u017en\u00edmi ekvivalenty.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle inzeruje USDC jako transparentn\u00ed a regulovan\u00fd stabiln\u00edcoin. Spolehlivost stablecoin je v\u0161ak v posledn\u00ed dob\u011b zpochyb\u0148ov\u00e1na, zejm\u00e9na od p\u00e1du Silvergate Bank (SVB), kter\u00e1 dr\u017eela zna\u010dn\u00e9 mno\u017estv\u00ed rezerv USDC ve v\u00fd\u0161i p\u0159ibli\u017en\u011b 3,3 miliardy USD.\u00a0<\/span><\/p>\n<p><b>USDC z\u016fst\u00e1v\u00e1 druh\u00fdm nejv\u011bt\u0161\u00edm stabiln\u00edmcoin podle tr\u017en\u00ed kapitalizace<\/b><span style=\"font-weight: 400;\">, kter\u00e1 p\u0159ich\u00e1z\u00ed po <a href=\"https:\/\/coinkickoff.com\/cs\/tether-usdt\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"Co je Tether (USDT)? Jak funguje a kde ho koupit?\">Tether<\/a>USDT.<\/span><\/p>\n<p><b>DAI stablecoin byla spu\u0161t\u011bna v roce 2017 spole\u010dnost\u00ed MakerDAO, decentralizovanou autonomn\u00ed organizac\u00ed zalo\u017eenou spole\u010dnost\u00ed <a href=\"https:\/\/coinkickoff.com\/cs\/thorchain-rune\/\" data-internallinksmanager029f6b8e52c=\"53\" title=\"Co je Thorchain (RUNE) Jak funguje a kde ho koupit?\">Rune<\/a> Christensen v roce 2014.<\/b><span style=\"font-weight: 400;\"> \u010clenov\u00e9 MakerDAO (<a href=\"https:\/\/coinkickoff.com\/cs\/maker-mkr\/\" data-internallinksmanager029f6b8e52c=\"63\" title=\"Co je Maker (MKR) Jak funguje a kde ho koupit?\">MKR<\/a> dr\u017eitel\u00e9) mohou hlasovat o budoucnosti stablecoin a pod\u00edlet se na rozhodovac\u00edm procesu, proto ozna\u010den\u00ed \"decentralizovan\u00e1 autonomn\u00ed\".<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spole\u010dnost DAI v\u0161ak byla kritizov\u00e1na za to, \u017ee je zna\u010dn\u011b centralizovan\u00e1, proto\u017ee Christensen a t\u00fdm zakladatel\u016f maj\u00ed velkou rozhodovac\u00ed pravomoc. Dal\u0161\u00ed kritika se na DAI \u010dasto sn\u00e1\u0161\u00ed kv\u016fli jeho z\u00e1vislosti na USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na rozd\u00edl od USDT nebo USDC, kter\u00e9 jsou kryt\u00e9 fiat pen\u011bzi a jin\u00fdmi re\u00e1ln\u00fdmi aktivy, <\/span><b>DAI je v\u011bt\u0161inou podpo\u0159ena jin\u00fdmi kryptom\u011bnami.<\/b><span style=\"font-weight: 400;\"> To znamen\u00e1, \u017ee token je zraniteln\u00fd v\u016f\u010di v\u00fdkyv\u016fm cen, zejm\u00e9na pokud je hodnota podkladov\u00fdch token ovlivn\u011bna v\u00fdvojem pr\u00e1vn\u00edch p\u0159edpis\u016f nebo trhu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V roce 2022 MakerDAO schv\u00e1lila n\u00e1vrh na v\u011bt\u0161\u00ed decentralizaci rezerv DAI, a to prost\u0159ednictv\u00edm <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-members-support-founders-endgame-180208820.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">investov\u00e1n\u00ed do re\u00e1ln\u00fdch aktiv<\/span><\/a><span style=\"font-weight: 400;\">. V budoucnu se DAI m\u016f\u017ee st\u00e1t stabiln\u00edm coin zaji\u0161t\u011bn\u00fdm aktivy v re\u00e1ln\u00e9m sv\u011bt\u011b.\u00a0<\/span><\/p>\n<div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00ed poplatky<\/li><li><strong>120 milion\u016f<\/strong> Registrovan\u00ed u\u017eivatel\u00e9<\/li><li>Bezpe\u010dn\u00fd fond aktiv pro u\u017eivatele<\/li><li>Vyd\u011bl\u00e1vat na vkladech<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina zem\u00ed<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S\u00eddlo v USA<\/li><li>Za\u010dn\u011bte s co nejmen\u0161\u00edm po\u010dtem <strong>$10<\/strong><\/li><li>N\u00e1kup a prodej <strong>200+<\/strong> kryptom\u011bny<\/li><li>Pro \u0159e\u0161en\u00ed pro v\u011bt\u0161\u00ed obchodn\u00edky<\/li><li>K dispozici v <strong>190+<\/strong> zem\u011b<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S\u00eddlo v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li>Z\u00edskejte Crypto po prvn\u00edm n\u00e1kupu<\/li><li>Chr\u00e1n\u011bno poji\u0161t\u011bn\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladov\u00e1n\u00ed s ochranou trezoru<\/li><li>Nejd\u016fv\u011bryhodn\u011bj\u0161\u00ed platforma pro kryptom\u011bny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">V\u00edce informac\u00ed o historii <\/span><a href=\"https:\/\/coinkickoff.com\/cs\/dai-dai\/\"><span style=\"font-weight: 400;\">DAI<\/span><\/a><span style=\"font-weight: 400;\"> a USDC v na\u0161ich recenz\u00edch.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_USDC_and_DAI_Work\"><\/span><span style=\"font-weight: 400;\">Jak funguje USDC a DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Jak u\u017e mo\u017en\u00e1 v\u00edte, stabiln\u00edcoins nav\u00e1zan\u00fd na USD by m\u011bl m\u00edt v\u017edy hodnotu 1 USD, na rozd\u00edl od jin\u00fdch volatiln\u00edch kryptom\u011bn, jako nap\u0159. <a href=\"https:\/\/coinkickoff.com\/cs\/bitcoin-btc\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Co je Bitcoin (BTC)? Cena, historie a kde koupit\">Bitcoin<\/a> (BTC) nebo <a href=\"https:\/\/coinkickoff.com\/cs\/ethereum-eth\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Co je Ethereum (ETH)? Cena, historie a kde koupit\">Ethereum<\/a> (ETH).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stejn\u011b jako v\u011bt\u0161ina ostatn\u00edch stabiln\u00edchcoins si USDC a DAI udr\u017euj\u00ed cenovou stabilitu d\u00edky p\u016fj\u010dk\u00e1m se zaji\u0161t\u011bn\u00edm (v\u00fdjimkou jsou algoritmick\u00e9 stabiln\u00edcoins, o kter\u00fdch je v\u0161ak zn\u00e1mo, \u017ee selh\u00e1vaj\u00ed). V podstat\u011b se jedn\u00e1 o tzv, <\/span><b>USDC a DAI maj\u00ed podkladov\u00e1 aktiva, kter\u00e1 jim zaji\u0161\u0165uj\u00ed cenovou stabilitu.<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Funguje to takto: Kdy\u017e Circle vyd\u00e1 nov\u00fd USDC na trhu, zablokuje pen\u011b\u017en\u00ed ekvivalent vydan\u00e9ho USDC ve sv\u00fdch rezerv\u00e1ch. Nap\u0159\u00edklad pokud spole\u010dnost vyd\u00e1v\u00e1 100 USDC token, mus\u00ed do sv\u00fdch rezerv p\u0159idat 100 USD. T\u00edmto zp\u016fsobem spole\u010dnost zaru\u010duje, \u017ee jeden USDC m\u00e1 hodnotu 1 USD, proto\u017ee spole\u010dnost jej v\u017edy za tuto cenu koup\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI funguje trochu jinak, proto\u017ee rezervy DAI nejsou tvo\u0159eny dolary, ale jin\u00fdmi token a stabiln\u00edmicoins jako Ethereum a USDC. Jak jist\u011b tu\u0161\u00edte, d\u00edky tomu je o n\u011bco zraniteln\u011bj\u0161\u00ed v\u016f\u010di tr\u017en\u00edm podm\u00ednk\u00e1m, proto\u017ee DAI mus\u00ed z\u00e1viset na <a href=\"https:\/\/coinkickoff.com\/cs\/prices\/\" data-internallinksmanager029f6b8e52c=\"136\" title=\"Top 100 \u017div\u00e9 ceny kryptom\u011bn (USD)\">kryptografick\u00e1 cena<\/a> stabilitu funkce. Aby se vyrovnala tato dodate\u010dn\u00e1 zranitelnost, <\/span><b>DAI vyu\u017e\u00edv\u00e1 syst\u00e9m zn\u00e1m\u00fd jako over-collateralizing.<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nadm\u011brnou kolateralizaci l\u00e9pe pochop\u00edme, kdy\u017e ji porovn\u00e1me s t\u00edm, jak funguje USDC. Jak jsme si pr\u00e1v\u011b vysv\u011btlili, 100 USD sta\u010d\u00ed k n\u00e1kupu 100 USDC. Vy d\u00e1te Kruhu 100 USD a spole\u010dnost je vlo\u017e\u00ed do sv\u00fdch rezerv a na opl\u00e1tku v\u00e1m d\u00e1 100 USDC. Va\u0161ich 100 USD je nyn\u00ed z\u00e1stavou za v\u00e1\u0161 USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kdyby DAI fungoval jako USDC, sta\u010dilo by d\u00e1t 100 USDC spole\u010dnosti MakerDAO, abyste z\u00edskali 100 DAI. Ale tak to nefunguje! Ve skute\u010dnosti mus\u00edte d\u00e1t 120 a\u017e 150 USDC spole\u010dnosti MakerDAO, abyste dostali 100 DAI. To d\u011bl\u00e1 z DAI nadm\u011brn\u011b zaji\u0161t\u011bn\u00e9 aktivum.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI pot\u0159ebuje tento druh nadm\u011brn\u00e9 kolateralizace, proto\u017ee ceny kryptom\u011bn, dokonce i stabiln\u00ed ceny coin, jsou n\u00e1chyln\u00e9 k cenov\u00fdm v\u00fdkyv\u016fm. Proto se MakerDAO sna\u017e\u00ed zajistit, aby jejich aktivum m\u011blo ochrannou bublinu pro p\u0159\u00edpad, \u017ee by ceny kryptom\u011bn siln\u011b klesly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">O p\u0159esn\u00e9m pom\u011bru zaji\u0161t\u011bn\u00ed rozhoduje Maker Protocol, kter\u00fd vyu\u017e\u00edv\u00e1 algoritmy pro sledov\u00e1n\u00ed zaji\u0161t\u011bn\u00ed, aby cena DAI z\u016fstala stabiln\u00ed. Kdy\u017e do protokolu Maker Protocol vlo\u017e\u00edte token, va\u0161e aktiva jsou uzam\u010dena v chytr\u00fdch kontraktech Collateralized Debt Positions (CDP). Pokud hodnota va\u0161eho kolater\u00e1lu klesne pod ur\u010ditou \u00farove\u0148, inteligentn\u00ed kontrakty automaticky likviduj\u00ed aktiva, aby zajistily, \u017ee cena DAI z\u016fstane stabiln\u00ed.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Main_Use_Cases_of_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Jak\u00e9 jsou hlavn\u00ed p\u0159\u00edpady pou\u017eit\u00ed USDC a DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Stabiln\u00edcoins lze pou\u017e\u00edt k n\u00e1kupu a obchodov\u00e1n\u00ed s v\u011bt\u0161inou altcoins. <\/span><b>V\u011bt\u0161ina <a href=\"https:\/\/coinkickoff.com\/cs\/crypto-exchanges\/\" data-internallinksmanager029f6b8e52c=\"141\" title=\"21 Nejlep\u0161\u00ed kryptom\u011bnov\u00e9 burzy a aplikace v roce 2024\">kryptografick\u00e9 burzy<\/a> provozovat alternativn\u00ed trhy coin denominovan\u00e9 v USDC nebo USDT, proto\u017ee se jedn\u00e1 o dva nejv\u011bt\u0161\u00ed stabiln\u00edcoins.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nejv\u011bt\u0161\u00ed v\u00fdhodou USDC je jeho<\/span><i><span style=\"font-weight: 400;\"> mechanismus snadn\u00e9 konverze<\/span><\/i><span style=\"font-weight: 400;\">. <\/span><b>USDC m\u016f\u017eete nakupovat a prod\u00e1vat za fiat m\u011bnu, tj. vstupovat a vystupovat z kryptografick\u00e9ho trhu prost\u0159ednictv\u00edm t\u00e9to stablecoin<\/b><span style=\"font-weight: 400;\">. Pokud nap\u0159\u00edklad chcete vyplatit sv\u00e9 zisky z prodeje BTC, m\u016f\u017eete vym\u011bnit sv\u016fj BTC za USDC a vyplatit pen\u00edze prost\u0159ednictv\u00edm centralizovan\u00e9 burzy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI nen\u00ed tak popul\u00e1rn\u00ed jako USDC pro obchodov\u00e1n\u00ed a n\u00e1kup digit\u00e1ln\u00edch aktiv. Vzhledem k tomu, \u017ee jej obvykle nelze p\u0159\u00edmo p\u0159ev\u00e9st na hotovost, nen\u00ed vhodn\u00fd pro rychl\u00e9 v\u00fdstupy z trhu. Je to v\u0161ak obl\u00edben\u00e9 aktivum DeFi. <\/span><b>Sv\u016fj DAI m\u016f\u017eete vlo\u017eit do<\/b> <b>Chytr\u00e1 smlouva DSR spole\u010dnosti Maker, kter\u00e1 umo\u017e\u0148uje z\u00edskat sazbu \u00faspor 1%.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Samoz\u0159ejm\u011b, <\/span><b>m\u016f\u017eete tak\u00e9 ukl\u00e1dat nebo p\u016fj\u010dovat sv\u00e1 aktiva DAI a USDC do r\u016fzn\u00fdch protokol\u016f DeFi a z\u00edsk\u00e1vat \u00faroky.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_and_DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">USDC a DAI Cenov\u00e1 historie<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"USDC_Price_History\"><\/span><span style=\"font-weight: 400;\">USDC Cenov\u00e1 historie<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h2><span><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3391 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-price.png\" alt=\"cena na americk\u00e9m trhu\" width=\"985\" height=\"605\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-price.png 985w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-price-300x184.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-price-768x472.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-price-18x12.png 18w\" sizes=\"auto, (max-width: 985px) 100vw, 985px\" \/><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">1 USDC by m\u011bl m\u00edt v\u017edy hodnotu $1, i kdy\u017e cena m\u016f\u017ee n\u011bkdy kol\u00edsat v d\u016fsledku rychl\u00fdch pohyb\u016f na trhu. Kdy\u017e lid\u00e9 nakupuj\u00ed nebo prod\u00e1vaj\u00ed USDC ve velk\u00e9m mno\u017estv\u00ed v kr\u00e1tk\u00e9m obdob\u00ed, m\u016f\u017ee se cena pohybovat sm\u011brem nahoru nebo dol\u016f, i kdy\u017e se obvykle velmi rychle koriguje.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">DAI Cenov\u00e1 historie<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2922 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price-.png\" alt=\"dai cena\" width=\"989\" height=\"613\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price-.png 989w, https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price--300x186.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price--768x476.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price--18x12.png 18w\" sizes=\"auto, (max-width: 989px) 100vw, 989px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">1 DAI by m\u011bl m\u00edt v\u017edy hodnotu $1, i kdy\u017e m\u016f\u017ee doch\u00e1zet k cenov\u00fdm v\u00fdkyv\u016fm. K cenov\u00fdm v\u00fdkyv\u016fm obvykle doch\u00e1z\u00ed, kdy\u017e popt\u00e1vka v kr\u00e1tk\u00e9 dob\u011b prudce vzroste nebo klesne, ale cena se rychle vr\u00e1t\u00ed na hodnotu $1.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Circle_and_DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">Kruh a DAI Tr\u017en\u00ed kapacita<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"USDC_Market_Cap\"><\/span><span style=\"font-weight: 400;\">USDC Tr\u017en\u00ed kapitalizace<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3390 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap.png\" alt=\"tr\u017en\u00ed kapitalizace usdc\" width=\"963\" height=\"599\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap.png 963w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap-300x187.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap-768x478.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap-18x12.png 18w\" sizes=\"auto, (max-width: 963px) 100vw, 963px\" \/><\/p>\n<div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00ed poplatky<\/li><li><strong>120 milion\u016f<\/strong> Registrovan\u00ed u\u017eivatel\u00e9<\/li><li>Bezpe\u010dn\u00fd fond aktiv pro u\u017eivatele<\/li><li>Vyd\u011bl\u00e1vat na vkladech<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina zem\u00ed<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S\u00eddlo v USA<\/li><li>Za\u010dn\u011bte s co nejmen\u0161\u00edm po\u010dtem <strong>$10<\/strong><\/li><li>N\u00e1kup a prodej <strong>200+<\/strong> kryptom\u011bny<\/li><li>Pro \u0159e\u0161en\u00ed pro v\u011bt\u0161\u00ed obchodn\u00edky<\/li><li>K dispozici v <strong>190+<\/strong> zem\u011b<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S\u00eddlo v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li>Z\u00edskejte Crypto po prvn\u00edm n\u00e1kupu<\/li><li>Chr\u00e1n\u011bno poji\u0161t\u011bn\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladov\u00e1n\u00ed s ochranou trezoru<\/li><li>Nejd\u016fv\u011bryhodn\u011bj\u0161\u00ed platforma pro kryptom\u011bny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><a href=\"https:\/\/coinmarketcap.com\/currencies\/usd-coin\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">USDC<\/span><\/a><span style=\"font-weight: 400;\"> je druhou nejv\u011bt\u0161\u00ed stabiln\u00edcoin po USDT a p\u00e1tou nejv\u011bt\u0161\u00ed kryptom\u011bnou podle tr\u017en\u00ed kapitalizace. Od dubna 2023 je <\/span><a href=\"https:\/\/www.coingecko.com\/en\/coins\/usd-coin\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">cirkula\u010dn\u00ed p\u0159\u00edvod<\/span><\/a><span style=\"font-weight: 400;\"> z <\/span><b>32 miliard USDC<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pro USDC nen\u00ed stanovena celkov\u00e1 dod\u00e1vka, proto\u017ee <\/span><a href=\"https:\/\/www.centre.io\/usdc-faq\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Finan\u010dn\u00ed instituce schv\u00e1len\u00e9 kruhem<\/span><\/a><span style=\"font-weight: 400;\"> m\u016f\u017ee vyd\u00e1vat nov\u00e9 USDC na trh, dokud je po nich popt\u00e1vka. Kdy\u017e lid\u00e9 prod\u00e1vaj\u00ed USDC, aby z\u00edskali zp\u011bt sv\u00e9 zaji\u0161t\u011bn\u00ed, tyt\u00e9\u017e instituce p\u0159ebyte\u010dn\u00e9 USDC sp\u00e1l\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A\u010dkoli byl p\u016fvodn\u011b vyvinut a spu\u0161t\u011bn v s\u00edt\u00edch Ethereum, USDC je nyn\u00ed k dispozici na n\u011bkolika blockchainech, jako nap\u0159. <a href=\"https:\/\/coinkickoff.com\/cs\/solana-sol\/\" data-internallinksmanager029f6b8e52c=\"5\" title=\"Co je Solana (SOL)? Jak funguje a kde ho koupit?\">Solana<\/a>, <a href=\"https:\/\/coinkickoff.com\/cs\/hedera-hbar\/\" data-internallinksmanager029f6b8e52c=\"35\" title=\"Co je Hedera (HBAR), jak funguje a kde ji koupit?\">Hedera<\/a>, <a href=\"https:\/\/coinkickoff.com\/cs\/algorand-algo\/\" data-internallinksmanager029f6b8e52c=\"182\" title=\"Co je Algorand (ALGO)? Cena, historie a kde koupit\">Algorand<\/a>, <a href=\"https:\/\/coinkickoff.com\/cs\/tron-trx\/\" data-internallinksmanager029f6b8e52c=\"27\" title=\"Co je Tron (TRX), jak funguje a kde ho koupit?\">Tron<\/a>a <a href=\"https:\/\/coinkickoff.com\/cs\/stellar-xlm\/\" data-internallinksmanager029f6b8e52c=\"33\" title=\"Co je Stellar (XLM), jak funguje a kde ho koupit?\">Stellar<\/a>.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">DAI Tr\u017en\u00ed kapitalizace<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2923 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap.png\" alt=\"DAI tr\u017en\u00ed kapitalizace\" width=\"968\" height=\"613\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap.png 968w, https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap-300x190.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap-768x486.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap-18x12.png 18w\" sizes=\"auto, (max-width: 968px) 100vw, 968px\" \/><\/p>\n<p><a href=\"https:\/\/coinmarketcap.com\/currencies\/usd-coin\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DAI<\/span><\/a><span style=\"font-weight: 400;\"> je \u010dtvrtou nejv\u011bt\u0161\u00ed stabiln\u00edcoin a sedmn\u00e1ctou nejv\u011bt\u0161\u00ed kryptom\u011bnou podle tr\u017en\u00ed kapitalizace. V dubnu 2023 je k dispozici <\/span><a href=\"https:\/\/coinmarketcap.com\/currencies\/multi-collateral-dai\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">cirkula\u010dn\u00ed p\u0159\u00edvod<\/span><\/a><span style=\"font-weight: 400;\"> z <\/span><b>5,2 miliardy DAI<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pro DAI nen\u00ed stanovena celkov\u00e1 dod\u00e1vka. Nov\u00e9 DAI token jsou automaticky vyd\u00e1v\u00e1ny inteligentn\u00edmi kontrakty Maker Protocol, kdy\u017e lid\u00e9 vlo\u017e\u00ed kolater\u00e1ln\u00ed kryptom\u011bny. MakerDAO m\u00e1 na starosti spr\u00e1vu protokolu a rozhodov\u00e1n\u00ed o pom\u011bru kolater\u00e1lu.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A\u010dkoli m\u00e1 MakerDAO pov\u011bst autonomn\u00edho a decentralizovan\u00e9ho \u0159\u00edzen\u00ed, projekt je z v\u011bt\u0161\u00ed \u010d\u00e1sti kontrolov\u00e1n t\u00fdmem zakladatel\u016f, kte\u0159\u00ed vlastn\u00ed v\u011bt\u0161inu MKR token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI si m\u016f\u017eete koupit na v\u011bt\u0161in\u011b kryptografick\u00fdch burz a ulo\u017eit jej na mnoha protokolech DeFi, abyste z\u00edskali \u00farok.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_DAI_Main_Similarities\"><\/span><span style=\"font-weight: 400;\">USDC vs DAI\u00a0<\/span><span style=\"font-weight: 400;\">Hlavn\u00ed podobnosti<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC a DAI jsou stabiln\u00edcoins v pom\u011bru jedna ku jedn\u00e9 k USD. Ob\u011b aktiva jsou pom\u011brn\u011b popul\u00e1rn\u00ed a lze je naj\u00edt na v\u011bt\u0161in\u011b kryptografick\u00fdch burz. Ob\u011b aktiva m\u016f\u017eete ulo\u017eit nebo uzamknout v protokolech DeFi a z\u00edskat tak pasivn\u00ed p\u0159\u00edjem.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Nejv\u011bt\u0161\u00ed podobnost mezi USDC a DAI spo\u010d\u00edv\u00e1 v tom, jak se pou\u017e\u00edvaj\u00ed v deriv\u00e1tov\u00fdch finan\u010dn\u00edch aplikac\u00edch. <\/span><b>Jak USDC, tak DAI jsou obl\u00edben\u00fdmi investi\u010dn\u00edmi n\u00e1stroji pro z\u00edsk\u00e1n\u00ed \u00faroku.<\/b><span style=\"font-weight: 400;\"> Ob\u011b aktiva m\u016f\u017eete p\u016fj\u010dit ostatn\u00edm s vysok\u00fdm \u00farokem.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_DAI_Main_Differences\"><\/span><span style=\"font-weight: 400;\">USDC vs DAI <\/span><span style=\"font-weight: 400;\">Hlavn\u00ed rozd\u00edly<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mezi USDC a DAI existuje n\u011bkolik rozd\u00edl\u016f, v\u010detn\u011b rozd\u00edl\u016f v jejich tr\u017en\u00edm dosahu, mechanismech v\u00e1z\u00e1n\u00ed, stavu rezerv a \u0159\u00edzen\u00ed. Pod\u00edvejme se na n\u011b podrobn\u011bji.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pegging_Mechanism\"><\/span><span style=\"font-weight: 400;\">Mechanismus zav\u011b\u0161en\u00ed<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V p\u0159edchoz\u00edch kapitol\u00e1ch jsme vysv\u011btlili, jak se od sebe li\u0161\u00ed funkce DAI a USDC. Zat\u00edmco USDC chr\u00e1n\u00ed sv\u016fj peg kolateralizac\u00ed re\u00e1ln\u00fdch aktiv, jako je hotovost a investice, DAI chr\u00e1n\u00ed svou hodnotu nadm\u011brnou kolateralizac\u00ed jin\u00fdch kryptom\u011bn, p\u0159edev\u0161\u00edm Ethereum a USDC.\u00a0<\/span><\/p>\n<p><b>Za DAI stoj\u00ed p\u0159edev\u0161\u00edm USD Coin (USDC) a Ether (ETH), stejn\u011b jako dal\u0161\u00ed token, jako nap\u0159. <a href=\"https:\/\/coinkickoff.com\/cs\/uniswap-uni\/\" data-internallinksmanager029f6b8e52c=\"34\" title=\"Co je Uniswap (UNI), jak funguje a kde ho koupit?\">Uniswap<\/a> (UNI), <a href=\"https:\/\/coinkickoff.com\/cs\/pax-dollar-usdp\/\" data-internallinksmanager029f6b8e52c=\"97\" title=\"Co je Pax Dollar (USDP)? Jak funguje a kde ho koupit?\">Pax Dollar<\/a>, Gemini Dollar (GUSD) a <a href=\"https:\/\/coinkickoff.com\/cs\/wrapped-bitcoin-wbtc\/\" data-internallinksmanager029f6b8e52c=\"17\" title=\"Co je Wrapped Bitcoin (WBTC)? Jak funguje a kde ho koupit?\">Wrapped Bitcoin<\/a>a n\u011bkolik dal\u0161\u00edch. <\/b><span style=\"font-weight: 400;\">D\u00edky tomu je DAI t\u00e9m\u011b\u0159 zcela z\u00e1visl\u00fd na n\u011bkolika dal\u0161\u00edch kryptom\u011bnov\u00fdch projektech. Pokud se hodnota t\u011bchto token zhrout\u00ed, m\u016f\u017ee klesnout i hodnota DAI.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Technicky jsou chytr\u00e9 kontrakty provozuj\u00edc\u00ed protokol Maker naprogramov\u00e1ny tak, aby sni\u017eovaly rizika znehodnocen\u00ed prost\u0159ednictv\u00edm likvidace kolater\u00e1lu. Nicm\u00e9n\u011b DAI by st\u00e1le mohl ztratit hodnotu, pokud by prominentn\u00ed token ve sv\u00fdch rezerv\u00e1ch zcela zkolaboval.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u011bli bychom v\u0161ak poznamenat, \u017ee DAI ned\u00e1vno <\/span><b>za\u010dala z\u00edsk\u00e1vat re\u00e1ln\u00e1 aktiva, aby sn\u00ed\u017eila svou z\u00e1vislost na kryptoinvestic\u00edch.\u00a0<\/b><\/p>\n<p><b>Jeliko\u017e je USDC p\u0159\u00edmo nav\u00e1z\u00e1n na USD, m\u011bl by z\u016fstat likvidn\u00ed, dokud si Circle udr\u017euje dostate\u010dn\u00e9 hotovostn\u00ed rezervy na kryt\u00ed tohoto aktiva.<\/b><span style=\"font-weight: 400;\"> Je v\u0161ak t\u0159eba poznamenat, \u017ee spole\u010dnost Circle nemus\u00ed nutn\u011b dr\u017eet v\u0161echny rezervy v hotovosti a USDC by mohla ztratit sv\u016fj kol\u00edk, pokud by nebylo dostatek rezerv na podporu token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">T\u00edm se dost\u00e1v\u00e1me k dal\u0161\u00edmu velk\u00e9mu rozd\u00edlu mezi t\u011bmito dv\u011bma aktivy.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"State_of_Reserves\"><\/span><span style=\"font-weight: 400;\">Stav rezerv<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Stabiln\u00edcoin rezervy jsou obecn\u011b o\u017eehav\u00fdm t\u00e9matem. Spole\u010dnost Tether, emitent nejv\u011bt\u0161\u00edho stabiln\u00edhocoin USDT na sv\u011bt\u011b, ji\u017e n\u011bkolik let vytrvale odm\u00edt\u00e1 p\u0159edkl\u00e1dat ve\u0159ejn\u00e9 audity navzdory v\u00fdzv\u00e1m ze strany ve\u0159ejnosti i ofici\u00e1ln\u00edch org\u00e1n\u016f a navzdory n\u011bkolika kontroverz\u00edm t\u00fdkaj\u00edc\u00edm se z\u00e1lohov\u00e1n\u00ed aktiv.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vydavatel USDC Circle se nijak neli\u0161\u00ed. M\u00edsto ofici\u00e1ln\u00edch audit\u016f vyd\u00e1v\u00e1 hodnot\u00edc\u00ed zpr\u00e1vy od ve\u0159ejn\u00fdch \u00fa\u010detn\u00edch firem. Bohu\u017eel, jak upozor\u0148ovali mnoz\u00ed kritici, platnost a rozsah t\u011bchto zpr\u00e1v nejsou zdaleka tak transparentn\u00ed a rozhoduj\u00edc\u00ed. Z tohoto d\u016fvodu se v tomto p\u0159\u00edpad\u011b jedn\u00e1 o tzv, <\/span><b>bez nez\u00e1visl\u00fdch audit\u016f nen\u00ed mo\u017en\u00e9 zjistit stav rezerv USDC.<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podle spole\u010dnosti Circle tvo\u0159\u00ed v\u011bt\u0161inu z\u00e1sob USDC <\/span><b>kr\u00e1tkodob\u00e9 pokladni\u010dn\u00ed pouk\u00e1zky a pen\u011b\u017en\u00ed ekvivalenty.<\/b><\/p>\n<p><b>Rezervy DAI jsou naopak transparentn\u011bj\u0161\u00ed. Vzhledem k tomu, \u017ee DAI je kryptografick\u00fdmi kolater\u00e1ly a chytr\u00fdmi kontrakty, jsou informace o rezerv\u00e1ch ve\u0159ejn\u00e9 a m\u016f\u017ee k nim m\u00edt p\u0159\u00edstup kdokoli.\u00a0<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Governance\"><\/span><span style=\"font-weight: 400;\">Spr\u00e1va<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tohle je trochu o\u0161emetn\u00e9, proto\u017ee MakerDAO a Circle se v praxi p\u0159\u00edli\u0161 neli\u0161\u00ed, pokud jde o spr\u00e1vu. Teoreticky se v\u0161ak li\u0161\u00ed docela dost. Poj\u010fme si podrobn\u011bji ilustrovat, co m\u00e1me na mysli.<\/span><\/p>\n<p><b>Teoreticky je MakerDAO decentralizovan\u00e1 autonomn\u00ed organizace, co\u017e znamen\u00e1, \u017ee DAI je \u0159\u00edzena \u010dleny komunity Maker.<\/b><span style=\"font-weight: 400;\"> \u010clenov\u00e9 komunity mohou delegovat sv\u00e9 MKR token (Maker Protocol governance token) na z\u00e1stupce, aby jejich jm\u00e9nem hlasovali o z\u00e1sadn\u00edch ot\u00e1zk\u00e1ch t\u00fdkaj\u00edc\u00edch se DAI a MakerDAO. Teoreticky je tedy DAI pom\u011brn\u011b decentralizovan\u00fd.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stejn\u011b jako u v\u011bt\u0161iny ostatn\u00edch \"decentralizovan\u00fdch\" projekt\u016f, <\/span><b>DAI je tak\u00e9 pom\u011brn\u011b centralizovan\u00fd ve sv\u00e9 spr\u00e1v\u011b d\u00edky sdru\u017eov\u00e1n\u00ed MKR token v rukou n\u011bkolika m\u00e1lo osob. <\/b><span style=\"font-weight: 400;\">Mezi tyto z\u00e1jemce pat\u0159\u00ed investo\u0159i rizikov\u00e9ho kapit\u00e1lu, zakladatel\u00e9 a mana\u017ee\u0159i spole\u010dnosti DAI. Zakladatel spole\u010dnosti MakerDao Christensen m\u00e1 v ekosyst\u00e9mu DAI obrovskou moc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nap\u0159\u00edklad v roce 2022 MakerDAO schv\u00e1lila kontroverzn\u00ed pl\u00e1n t\u00fdkaj\u00edc\u00ed se budoucnosti stablecoin, a to d\u00edky Christensenov\u00fdm pod\u00edl\u016fm v MKR. To znamen\u00e1, \u017ee rozhodnut\u00ed t\u00fdkaj\u00edc\u00ed se projektu jsou ve skute\u010dnosti zna\u010dn\u011b centralizovan\u00e1.<\/span><\/p>\n<p><b>Naproti tomu vydavatel USDC Circle je soukrom\u00e1 centralizovan\u00e1 spole\u010dnost. Spole\u010dnost proto kontroluje proces ra\u017eby USDC i v\u0161echna z\u00e1sadn\u00ed rozhodnut\u00ed t\u00fdkaj\u00edc\u00ed se budoucnosti projektu.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Market_Capitalization\"><\/span><span style=\"font-weight: 400;\">Tr\u017en\u00ed kapitalizace<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Nejv\u011bt\u0161\u00ed rozd\u00edl mezi USDC a DAI je v jejich tr\u017en\u00ed hodnot\u011b.<\/b> <b>USDC je druhou nejv\u011bt\u0161\u00ed stabiln\u00ed spole\u010dnost\u00edcoin podle tr\u017en\u00ed kapitalizace. Naproti tomu DAI je a\u017e \u010dtvrt\u00e1.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">USDC je akceptov\u00e1n v\u011bt\u0161inou b\u011b\u017en\u00fdch instituc\u00ed a lze s n\u00edm obchodovat proti t\u00e9m\u011b\u0159 v\u0161em altcoins. DAI z\u016fst\u00e1v\u00e1 ve srovn\u00e1n\u00ed s USDC sp\u00ed\u0161e v\u00fdklenkovou stabiln\u00edcoin.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_Associated_With_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Rizika spojen\u00e1 s USDC a DAI\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Risk_of_Losing_Their_Peg\"><\/span><span style=\"font-weight: 400;\">Riziko ztr\u00e1ty kol\u00edku<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Hlavn\u00edm rizikem u stablecoins je kol\u00eds\u00e1n\u00ed cen. Stabiln\u00edcoins mohou za ur\u010dit\u00fdch okolnost\u00ed ztratit svou v\u00e1zanost na cenu, obvykle kdy\u017e jsou jejich rezervy p\u0159\u00edli\u0161 n\u00edzk\u00e9 na to, aby podpo\u0159ily po\u010det token v ob\u011bhu.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Takov\u00fd sc\u00e9n\u00e1\u0159 je mo\u017en\u00fd, pokud emituj\u00edc\u00ed spole\u010dnosti nemaj\u00ed v rezerv\u00e1ch dostatek hotovosti a pen\u011b\u017en\u00edch ekvivalent\u016f nebo pokud dojde k jejich odcizen\u00ed, ztr\u00e1t\u011b \u010di jin\u00e9 nedostupnosti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stablecoins m\u016f\u017ee ob\u010das kr\u00e1tce slevit ze sv\u00e9 dolarov\u00e9 hodnoty, ale obvykle se rychle vr\u00e1t\u00ed ke sv\u00e9 cen\u011b. Pokud v\u0161ak po de-peggingu nen\u00e1sleduje rychl\u00e9 zotaven\u00ed, m\u016f\u017ee cena spir\u00e1lovit\u011b klesat a vyvolat platebn\u00ed neschopnost.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Obvykle to znamen\u00e1, \u017ee se doty\u010dn\u00fd stabiln\u00ed coin zcela zhrout\u00ed, \u010d\u00edm\u017e se jeho dolarov\u00e1 hodnota z trhu vyma\u017ee a dr\u017eitel\u00e9 token z\u016fstanou bezcenn\u00fdmi token.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">U DAI a USDC se m\u016f\u017ee riziko de-peggingu je\u0161t\u011b zv\u00fd\u0161it. Vzhledem k tomu, \u017ee USDC tvo\u0159\u00ed v\u011bt\u0161inu zaji\u0161t\u011bn\u00ed DAI, je tedy probl\u00e9m s rezervami USDC. <\/span><a href=\"https:\/\/cointelegraph.com\/news\/circle-s-usdc-instability-causes-domino-effect-on-dai-usdd-stablecoins\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">by tak\u00e9 mohl vyvolat ud\u00e1lost odpojen\u00ed pro DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Vzhledem k tomu, \u017ee DAI i USDC jsou v DeFi popul\u00e1rn\u00ed aktiva, dopady p\u00e1du ceny by mohly vyvolat vlny na cel\u00e9m kryptotrhu.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pod\u00edvejme se na n\u011bkolik konkr\u00e9tn\u00edch p\u0159\u00edklad\u016f mo\u017en\u00fdch probl\u00e9m\u016f:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V roce 2023 vyhl\u00e1sila bankrot Silvergate Bank (SVB), obl\u00edben\u00e1 instituce mezi kryptobyznysmeny. V t\u00e9 dob\u011b, <\/span><a href=\"https:\/\/www.coindesk.com\/consensus-magazine\/2023\/04\/05\/usdc-boasted-transparency-but-it-didnt-help-when-silicon-valley-bank-got-into-trouble\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">SVB m\u011bla v dr\u017een\u00ed p\u0159ibli\u017en\u011b 3,3 miliardy vklad\u016f z USDC.<\/span><\/a><span style=\"font-weight: 400;\">, co\u017e je v\u00fdznamn\u00e1 \u010d\u00e1stka, kter\u00e1 tvo\u0159\u00ed velkorysou \u010d\u00e1st rezerv USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zpr\u00e1va o \u00fapadku SVB zp\u016fsobila, \u017ee USDC ztratil svou dolarovou vazbu. I kdy\u017e spole\u010dnost Circle rychle ujistila investory, \u017ee m\u00e1 pot\u0159ebn\u00e9 prost\u0159edky na pokryt\u00ed chyb\u011bj\u00edc\u00edch 3,3 miliardy USD, tato ud\u00e1lost odhalila, \u017ee i stabiln\u00edcoins zalo\u017een\u00e9 na hotovosti jsou <\/span><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2023-03-11\/circle-s-usdc-stablecoin-shakiness-reverberates-in-crypto-world-of-defi-dai#xj4y7vzkg\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">zranitelnost v\u016f\u010di selh\u00e1n\u00ed trhu<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC p\u0159estal r\u016fst a\u017e pot\u00e9, co regula\u010dn\u00ed org\u00e1ny ozn\u00e1mily, \u017ee <\/span><a href=\"https:\/\/www.cnbc.com\/2023\/03\/12\/regulators-unveil-plan-to-stem-damage-from-svb-collapse.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">vkladatel\u00e9 by znovu z\u00edskali p\u0159\u00edstup ke sv\u00fdm finan\u010dn\u00edm prost\u0159edk\u016fm.<\/span><\/a><span style=\"font-weight: 400;\">. Obvykle se poji\u0161t\u011bn\u00ed vklad\u016f FDIC vztahuje pouze na vklady do v\u00fd\u0161e 250 000 USD, co\u017e je mnohem m\u00e9n\u011b ne\u017e vklady u SVB.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Samoz\u0159ejm\u011b, \u017ee zru\u0161en\u00ed fixace USDC by v dlouhodob\u00e9m horizontu po\u0161kodilo i DAI, pokud by se aktivum nedok\u00e1zalo zotavit z fixace ceny. Ale to nen\u00ed v\u0161echno. DAI je tak\u00e9 zaji\u0161t\u011bn r\u016fzn\u00fdmi dal\u0161\u00edmi token, v\u010detn\u011b Gemini USD (GUSD).<\/span><\/p>\n<p><a href=\"https:\/\/www.coindesk.com\/business\/2021\/11\/18\/crypto-exchange-gemini-trust-looks-for-7b-valuation-in-400m-funding-round-report\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Gemini USD (GUSD) je potenci\u00e1ln\u00edm rizikem pro DAI<\/span><\/a><span style=\"font-weight: 400;\"> proto\u017ee samotn\u00ed Bl\u00ed\u017eenci maj\u00ed v\u00e1\u017en\u00e9 finan\u010dn\u00ed probl\u00e9my. Po p\u00e1du spole\u010dnosti Genesis, kter\u00e1 \u0159\u00eddila program Gemini Earn, p\u0159i\u0161la Gemini o p\u0159ibli\u017en\u011b 900 milion\u016f USD. Pokud finance Gemini sel\u017eou a ceny GUSD klesnou, mohlo by to d\u00e1le ohrozit rezervy DAI.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Legal_and_Financial_Risks\"><\/span><span style=\"font-weight: 400;\">Pr\u00e1vn\u00ed a finan\u010dn\u00ed rizika<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Jak jsme vysv\u011btlili, stablecoins jsou perfektn\u00ed vstupn\u00ed a v\u00fdstupn\u00ed body na kryptografick\u00fd trh. M\u016f\u017eete si stablecoins koupit na burze a poslat je kamkoli na sv\u011bt\u011b a p\u0159ev\u00e9st tak velk\u00e9 mno\u017estv\u00ed pen\u011bz.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">S t\u00edm, jak si regula\u010dn\u00ed org\u00e1ny st\u00e1le v\u00edce uv\u011bdomuj\u00ed, jak se stabiln\u00edcoins pou\u017e\u00edvaj\u00ed, jsou st\u00e1le opatrn\u011bj\u0161\u00ed, pokud jde o to, aby se tato aktiva pohybovala po sv\u011bt\u011b bez regulace.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jak v\u00edte, hlavn\u00edm prodejn\u00edm argumentem kryptom\u011bn coins, jako je Bitcoin (nyn\u00ed stablecoins), jsou rychl\u00e9 transakce bez hranic, kter\u00e9 nejsou omezeny n\u00e1kladnou a \u010dasov\u011b n\u00e1ro\u010dnou byrokraci\u00ed bankovn\u00edho sv\u011bta.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To je sice l\u00e1kav\u00e1 nab\u00eddka, ale z\u00e1rove\u0148 zcela opom\u00edj\u00ed d\u016fvody, pro\u010d tradi\u010dn\u00ed bankovnictv\u00ed funguje pr\u00e1v\u011b t\u00edmto zp\u016fsobem. Banky pou\u017e\u00edvaj\u00ed r\u016fzn\u00e9 druhy regulac\u00ed z ur\u010dit\u00e9ho d\u016fvodu, a to proto, aby zabr\u00e1nily pran\u00ed \u0161pinav\u00fdch pen\u011bz, financov\u00e1n\u00ed terorismu a dal\u0161\u00edm trestn\u00fdm \u010dinnostem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V posledn\u00edch letech za\u010daly \u00fa\u0159ady sledovat, jak jsou transakce stablecoin vyu\u017e\u00edv\u00e1ny k neleg\u00e1ln\u00edm p\u0159evod\u016fm finan\u010dn\u00edch prost\u0159edk\u016f mezi subjekty, a podnikaj\u00ed kroky k d\u016fkladn\u011bj\u0161\u00ed regulaci t\u011bchto aktiv.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nap\u0159\u00edklad kdy\u017e \u00da\u0159ad pro kontrolu zahrani\u010dn\u00edch aktiv (Office of Foreign Assets Control) <\/span><a href=\"https:\/\/home.treasury.gov\/news\/press-releases\/jy0916\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">ulo\u017eil spole\u010dnosti Tornado Cash sankci<\/span><\/a><span style=\"font-weight: 400;\"> v roce 2022 musely kryptom\u011bnov\u00e9 slu\u017eby za\u0159adit n\u011bkolik pen\u011b\u017eenek napojen\u00fdch na Tornado na \u010dernou listinu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tornado Mixer je anonymn\u00ed obchodn\u00ed slu\u017eba pro zakryt\u00ed digit\u00e1ln\u00edch stop v blockchainu, kterou lze vyu\u017e\u00edt k poru\u0161ov\u00e1n\u00ed sankc\u00ed OFAC a pran\u00ed \u0161pinav\u00fdch pen\u011bz.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V n\u00e1vaznosti na tento p\u0159\u00edkaz spole\u010dnost Circle za\u0159adila na \u010dernou listinu 38 adres pen\u011b\u017eenek, kter\u00e9 dr\u017e\u00ed nejm\u00e9n\u011b 75 000 USDC. To je pro Circle relativn\u011b mal\u00e1 \u010d\u00e1stka (ve srovn\u00e1n\u00ed s 3,3 miliardy dr\u017een\u00fdch USD SVB), ale i tak to v krypto ekosyst\u00e9mu vyvolalo poplach ohledn\u011b toho, jak mohou regulace ohrozit investice do kryptom\u011bn.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A\u010dkoli se kryptografie \u010dasto prod\u00e1v\u00e1 jako slu\u017eba \u0159\u00edzen\u00e1 k\u00f3dem, pravdou je, \u017ee aby mohly tyto slu\u017eby fungovat, mus\u00ed dodr\u017eovat pravidla a p\u0159edpisy finan\u010dn\u00edho sv\u011bta.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where_Can_You_Buy_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Kde si m\u016f\u017eete koupit USDC a DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">USDC a DAI si m\u016f\u017eete koupit t\u00e9m\u011b\u0159 na v\u0161ech kryptografick\u00fdch burz\u00e1ch. Nejv\u011bt\u0161\u00edmi trhy pro DAI jsou <a href=\"https:\/\/coinkickoff.com\/cs\/binance-review\/\" data-internallinksmanager029f6b8e52c=\"152\" title=\"Binance Recenze 2024: Funkce, poplatky, bezpe\u010dnost, klady a z\u00e1pory\">Binance<\/a>, <a href=\"https:\/\/coinkickoff.com\/cs\/coinbase-review\/\" data-internallinksmanager029f6b8e52c=\"142\" title=\"Coinbase Recenze 2024: Funkce, poplatky, bezpe\u010dnost, klady a z\u00e1pory\">Coinbase<\/a>, Uniswap a <a href=\"https:\/\/coinkickoff.com\/cs\/kraken-review\/\" data-internallinksmanager029f6b8e52c=\"171\" title=\"Recenze Kraken 2023: Poplatky, funkce, bezpe\u010dnost, v\u00fdhody a nev\u00fdhody\">Kraken<\/a>. Stejn\u011b tak nejv\u011bt\u0161\u00edmi trhy pro USDC jsou Binance, Kraken, Uniswap, a <a href=\"https:\/\/coinkickoff.com\/cs\/kucoin-review\/\" data-internallinksmanager029f6b8e52c=\"153\" title=\"KuCoin Recenze 2023: poplatky, bezpe\u010dnost, v\u00fdhody a nev\u00fdhody\">Kucoin<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u011bt\u0161ina centralizovan\u00fdch burz umo\u017e\u0148uje n\u00e1kup DAI a USDC za fiat m\u011bny, jako je USD nebo EUR, prost\u0159ednictv\u00edm metod online bankovnictv\u00ed, v\u010detn\u011b bankovn\u00edch p\u0159evod\u016f, kreditn\u00edch a debetn\u00edch karet a platebn\u00edch slu\u017eeb t\u0159et\u00edch stran.<\/span><\/p>\n<div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00ed poplatky<\/li><li><strong>120 milion\u016f<\/strong> Registrovan\u00ed u\u017eivatel\u00e9<\/li><li>Bezpe\u010dn\u00fd fond aktiv pro u\u017eivatele<\/li><li>Vyd\u011bl\u00e1vat na vkladech<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u011bt\u0161ina zem\u00ed<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S\u00eddlo v USA<\/li><li>Za\u010dn\u011bte s co nejmen\u0161\u00edm po\u010dtem <strong>$10<\/strong><\/li><li>N\u00e1kup a prodej <strong>200+<\/strong> kryptom\u011bny<\/li><li>Pro \u0159e\u0161en\u00ed pro v\u011bt\u0161\u00ed obchodn\u00edky<\/li><li>K dispozici v <strong>190+<\/strong> zem\u011b<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S\u00eddlo v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptom\u011bny<\/li><li>Z\u00edskejte Crypto po prvn\u00edm n\u00e1kupu<\/li><li>Chr\u00e1n\u011bno poji\u0161t\u011bn\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladov\u00e1n\u00ed s ochranou trezoru<\/li><li>Nejd\u016fv\u011bryhodn\u011bj\u0161\u00ed platforma pro kryptom\u011bny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dn\u011bte<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">DAI m\u016f\u017eete z\u00edskat tak\u00e9 uzam\u010den\u00edm zaji\u0161t\u011bn\u00ed prost\u0159ednictv\u00edm funkce <\/span><a href=\"https:\/\/oasis.app\/borrow\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Port\u00e1l Oasis Vault<\/span><\/a><span style=\"font-weight: 400;\"> nebo <\/span><a href=\"https:\/\/debank.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DeBank<\/span><\/a><span style=\"font-weight: 400;\"> a <\/span><a href=\"https:\/\/defisaver.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DeFi Saver<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_You_Exchange_USDC_for_DAI\"><\/span><span style=\"font-weight: 400;\">Jak m\u016f\u017eete vym\u011bnit USDC za DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Na v\u011bt\u0161in\u011b sm\u011bn\u00e1ren kryptom\u011bn m\u016f\u017eete sm\u011bnit USDC za DAI. Uniswap a Curve nab\u00edzej\u00ed velk\u00e9 trhy s USDC\/DAI, ale m\u016f\u017eete si ov\u011b\u0159it, zda va\u0161e kryptoburza uv\u00e1d\u00ed p\u00e1ry USDC\/DAI.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Future_Plans_for_Circle_and_DAI\"><\/span><span style=\"font-weight: 400;\">Budouc\u00ed pl\u00e1ny pro Circle a DAI<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">P\u0159\u00edkaz OFAC v\u016f\u010di spole\u010dnosti Tornado Mixer a bankrot banky Silvergate (SVB) byly v\u00fdznamn\u00fdmi ud\u00e1lostmi jak pro USDC, tak pro DAI. Budoucnost obou aktiv z\u00e1vis\u00ed na tom, jak na tyto p\u0159ek\u00e1\u017eky zareaguj\u00ed lid\u00e9 odpov\u011bdn\u00ed za spr\u00e1vu t\u011bchto aktiv.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spole\u010dnost MakerDAO v posledn\u00edch m\u011bs\u00edc\u00edch schv\u00e1lila n\u011bkolik pl\u00e1n\u016f, kter\u00e9 mohou znamenat velk\u00e9 zm\u011bny pro stablecoin. Ve skute\u010dnosti z\u016fst\u00e1v\u00e1 otev\u0159enou ot\u00e1zkou, zda DAI z\u016fstane stabiln\u00edmcoin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pod\u00edvejme se podrobn\u011bji na budouc\u00ed pl\u00e1ny pro DAI a USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V roce 2022 komunita MakerDAO hlasovala o kontroverzn\u00edm pl\u00e1nu Rune Christensena pro budoucnost DAI, kter\u00fd byl nazv\u00e1n \"<\/span><a href=\"https:\/\/beincrypto.com\/makerdao-mkr-endgame-plan-passed-in-a-vote-where-founder-had-60-influence\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Endgame<\/span><\/a><span style=\"font-weight: 400;\">.\" Christensen je hlasit\u00fdm zast\u00e1ncem \"udr\u017eiteln\u00fdch financ\u00ed\" a opat\u0159en\u00ed proti glob\u00e1ln\u00edmu oteplov\u00e1n\u00ed a pl\u00e1n \"endgame\" se skl\u00e1d\u00e1 z n\u011bkolika sc\u00e9n\u00e1\u0159\u016f, kter\u00e9 \u0159e\u0161\u00ed jeho finan\u010dn\u00ed a environment\u00e1ln\u00ed obavy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pl\u00e1n se skl\u00e1d\u00e1 ze t\u0159\u00ed f\u00e1z\u00ed a mnoha pohybliv\u00fdch \u010d\u00e1st\u00ed, kter\u00e9 m\u016f\u017ee komunita MakerDAO v pr\u016fb\u011bhu \u010dasu realizovat.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kr\u00e1tkodob\u00fdm c\u00edlem je vyd\u011blat co nejv\u00edce pen\u011bz, aby bylo mo\u017en\u00e9 nakoupit dal\u0161\u00ed ETH pro budoucnost DAI. Vzhledem k tomu, \u017ee DAI je ji\u017e zalo\u017een na Ethereum, m\u00e1 podle Christensena smysl s\u00e1zet sp\u00ed\u0161e na ETH ne\u017e na USDC a dal\u0161\u00ed stabiln\u00edcoins.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dlouhodob\u00fdm c\u00edlem je <\/span><a href=\"https:\/\/beincrypto.com\/makerdao-mkr-endgame-plan-passed-in-a-vote-where-founder-had-60-influence\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">sn\u00ed\u017eit rezervy DAI's USDC<\/span><\/a><span style=\"font-weight: 400;\"> aby byla zaji\u0161t\u011bna ochrana rezerv. V dlouhodob\u00e9m horizontu pl\u00e1n vy\u017eaduje, aby spole\u010dnost MakerDAO investovala do re\u00e1ln\u00fdch aktiv, aby mohla <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-approves-deployment-100m-usdc-184700831.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">diverzifikovat rezervy DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pl\u00e1n po\u010d\u00edt\u00e1 s n\u00e1kupem nemovitost\u00ed a vl\u00e1dn\u00edch a obchodn\u00edch nemovitost\u00ed USA. <\/span><a href=\"https:\/\/www.coindesk.com\/business\/2022\/10\/06\/stablecoin-issuer-makerdao-allocates-500m-for-treasuries-corporate-bond-investment\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">podnikov\u00e9 dluhopisy<\/span><\/a><span style=\"font-weight: 400;\"> abyste m\u011bli ochranu proti nestabilit\u011b kryptografick\u00e9ho syst\u00e9mu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V z\u00e1v\u011bre\u010dn\u00e9 f\u00e1zi pl\u00e1n po\u010d\u00edt\u00e1 s odd\u011blen\u00edm DAI od USD, aby se z n\u011bj stalo voln\u011b obchodovateln\u00e9 aktivum. To je podm\u00edn\u011bno n\u011bkolika dal\u0161\u00edmi podm\u00ednkami, ale z\u016fst\u00e1v\u00e1 re\u00e1lnou mo\u017enost\u00ed do budoucna, v z\u00e1vislosti na tom, jak se bude vyv\u00edjet kryptoekonomika.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Naproti tomu spole\u010dnost Circle zvolila jin\u00fd p\u0159\u00edstup, aby dos\u00e1hla v\u011bt\u0161\u00ed stability. Tarleton Watkins ze spole\u010dnosti Circle navrhl, \u017ee by bylo nejlep\u0161\u00ed, kdyby stabiln\u00edcoin spole\u010dnost mohla. <\/span><a href=\"https:\/\/www.finextra.com\/newsarticle\/42007\/circle-calls-for-fed-backing-for-usdc-picks-france-for-european-hq\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">dr\u017eet dolarov\u00e9 rezervy u Fedu<\/span><\/a><span style=\"font-weight: 400;\"> nam\u00edsto bank, jako je SVB. Tento model, ozna\u010dovan\u00fd jako model pln\u00fdch rezerv Fedu, by zaru\u010dil bezpe\u010dnost rezervn\u00edch fond\u016f bez rizika bankrotu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bankrot SVB odhalil ho\u0159kou ironii v srdci kryptom\u011bn: Kryptoekonomika byla kdysi oslavov\u00e1na jako rozchod s tradi\u010dn\u00edmi finan\u010dn\u00edmi institucemi, jako jsou banky. Bitcoin byla slavn\u011b spu\u0161t\u011bna jako bojov\u00fd pok\u0159ik proti selh\u00e1vaj\u00edc\u00edmu bankovn\u00edmu syst\u00e9mu, kter\u00fd sv\u00e9 probl\u00e9my vylo\u017eil na ve\u0159ejnost t\u00edm, \u017ee ji nechal zaplatit za chyby krachuj\u00edc\u00edch bankovn\u00edch instituc\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Posledn\u00ed krize s SVB a USDC v\u0161ak ukazuje, \u017ee v\u011bci nejsou tak jednoduch\u00e9.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC se poda\u0159ilo z\u00edskat zp\u011bt sv\u016fj 1 USD peg a\u017e pot\u00e9, co Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m a Ministerstvo financ\u00ed zru\u0161ily limit kryt\u00ed FDIC pro SVB. Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m zah\u00e1jil nov\u00fd program term\u00ednovan\u00e9ho financov\u00e1n\u00ed bank s c\u00edlem zm\u00edrnit mo\u017en\u00e9 ztr\u00e1ty v d\u016fsledku \u00fapadku SVB, kter\u00fd americk\u00e9 ministerstvo financ\u00ed podporuje fondem ve v\u00fd\u0161i 25 milion\u016f USD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Navzdory zjevn\u00fdm pot\u00ed\u017e\u00edm s \u00fa\u0159ady se regula\u010dn\u00ed org\u00e1ny mohou v dlouhodob\u00e9m horizontu uk\u00e1zat jako zachr\u00e1nci kryptom\u011bn.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Stabiln\u00ed coins jako USDC a DAI jsou v\u00e1z\u00e1ny na USD jedna ku jedn\u00e9, co\u017e znamen\u00e1, \u017ee maj\u00ed stabiln\u00ed cenu. D\u00edky tomu je lze pou\u017e\u00edt k n\u00e1kupu a obchodov\u00e1n\u00ed s jin\u00fdmi kryptom\u011bnami nebo k investic\u00edm do projekt\u016f DeFi. V t\u00e9to recenzi USDC vs. DAI vysv\u011btl\u00edme rozd\u00edly mezi ob\u011bma stabiln\u00edmicoins a uvedeme rizika a v\u00fdhody obchodov\u00e1n\u00ed s nimi, [...]<\/p>","protected":false},"author":3,"featured_media":2920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0,"footnotes":""},"categories":[9,4],"tags":[],"class_list":{"0":"post-3389","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-comparisons","8":"category-coins","9":"entry"},"featured_image_src":"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-600x400.jpg","featured_image_src_square":"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-600x563.jpg","author_info":{"display_name":"Ian Wright","author_link":"https:\/\/coinkickoff.com\/cs\/author\/ianw\/"},"_links":{"self":[{"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/posts\/3389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/comments?post=3389"}],"version-history":[{"count":3,"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/posts\/3389\/revisions"}],"predecessor-version":[{"id":4311,"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/posts\/3389\/revisions\/4311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/media\/2920"}],"wp:attachment":[{"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/media?parent=3389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/categories?post=3389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/coinkickoff.com\/cs\/wp-json\/wp\/v2\/tags?post=3389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}