{"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\/et\/usdc-vs-dai\/","title":{"rendered":"USDC vs DAI: kumb on parem?"},"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\">Enamik 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> Loetletud kr\u00fcptovaluutad<\/li><li><strong>&lt;0.10%<\/strong> Tehingutasud<\/li><li><strong>120 miljonit<\/strong> Registreeritud kasutajad<\/li><li>Turvaline varade fond kasutajate jaoks<\/li><li>Teenida hoiuste pealt<\/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\">Alusta<\/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\">Enamik riike<\/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>USAs asuv<\/li><li>Alustage nii v\u00e4heste <strong>$10<\/strong><\/li><li>Osta ja m\u00fc\u00fca <strong>200+<\/strong> kr\u00fcptovaluutad<\/li><li>Pro lahendus suurematele kauplejatele<\/li><li>Saadaval on <strong>190+<\/strong> riigid<\/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\">Alusta<\/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\">USAs asuv<\/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> Loetletud kr\u00fcptovaluutad<\/li><li>Saada kr\u00fcpto p\u00e4rast oma esimest ostu<\/li><li>Kindlustusega kaitstud&nbsp;<\/li><li>Turvaline ladustamine v\u00f5lvkaitsega<\/li><li>K\u00f5ige usaldusv\u00e4\u00e4rsem kr\u00fcptoraha platvorm<\/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\">Alusta<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n<\/p>\n<p><b>Stablecoins nagu <a href=\"https:\/\/coinkickoff.com\/et\/usd-coin-usdc\/\" data-internallinksmanager029f6b8e52c=\"8\" title=\"Mis on USD Coin (USDC)? Kuidas see t\u00f6\u00f6tab ja kust seda osta?\">USDC<\/a> ja <a href=\"https:\/\/coinkickoff.com\/et\/dai-dai\/\" data-internallinksmanager029f6b8e52c=\"20\" title=\"Mis on Dai (DAI)? Kuidas see t\u00f6\u00f6tab ja kust seda osta?\">DAI<\/a> on seotud USD-ga \u00fcks-\u00fchele, mis t\u00e4hendab, et neil on hinnastabiilsus.<\/b><span style=\"font-weight: 400;\"> T\u00e4nu sellele saab neid kasutada teiste kr\u00fcptovaluutade ostmiseks ja nendega kauplemiseks v\u00f5i DeFi projektidesse investeerimiseks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selles USDC vs DAI \u00fclevaates selgitame erinevusi kahe stabiilsecoins vahel ning loetleme nende kauplemisega kaasnevad riskid ja eelised.<\/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\">Jaotised<\/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=\"Sisukorra vaheldumine\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/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\/et\/usdc-vs-dai\/#The_History_of_Circle_USDC_and_DAI_Coin_DAI\" >Ringi (USDC) ja DAI ajalugu 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\/et\/usdc-vs-dai\/#How_Do_USDC_and_DAI_Work\" >Kuidas t\u00f6\u00f6tavad USDC ja 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\/et\/usdc-vs-dai\/#What_Are_the_Main_Use_Cases_of_USDC_and_DAI\" >Millised on USDC ja DAI peamised kasutusjuhud?<\/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\/et\/usdc-vs-dai\/#USDC_and_DAI_Price_History\" >USDC ja DAI hinnakirjeldus<\/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\/et\/usdc-vs-dai\/#USDC_Price_History\" >USDC hinnakirjeldus<\/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\/et\/usdc-vs-dai\/#DAI_Price_History\" >DAI hinnakirjeldus<\/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\/et\/usdc-vs-dai\/#Circle_and_DAI_Market_Cap\" >Circle ja DAI turukapital<\/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\/et\/usdc-vs-dai\/#USDC_Market_Cap\" >USDC Turukapital<\/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\/et\/usdc-vs-dai\/#DAI_Market_Cap\" >DAI Turukapital<\/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\/et\/usdc-vs-dai\/#USDC_vs_DAI_Main_Similarities\" >USDC vs DAI Peamised sarnasused<\/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\/et\/usdc-vs-dai\/#USDC_vs_DAI_Main_Differences\" >USDC vs DAI peamised erinevused<\/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\/et\/usdc-vs-dai\/#Pegging_Mechanism\" >Kinnitusmehhanism<\/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\/et\/usdc-vs-dai\/#State_of_Reserves\" >Reservide olukord<\/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\/et\/usdc-vs-dai\/#Governance\" >Juhtimine<\/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\/et\/usdc-vs-dai\/#Market_Capitalization\" >Turu kapitaliseeritus<\/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\/et\/usdc-vs-dai\/#Risks_Associated_With_USDC_and_DAI\" >USDC ja DAIga seotud riskid\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\/et\/usdc-vs-dai\/#Risk_of_Losing_Their_Peg\" >Risk kaotada oma tihvt<\/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\/et\/usdc-vs-dai\/#Legal_and_Financial_Risks\" >\u00d5iguslikud ja finantsriskid<\/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\/et\/usdc-vs-dai\/#Where_Can_You_Buy_USDC_and_DAI\" >Kust saab osta USDC ja 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\/et\/usdc-vs-dai\/#How_Can_You_Exchange_USDC_for_DAI\" >Kuidas saab vahetada USDC vastu 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\/et\/usdc-vs-dai\/#Future_Plans_for_Circle_and_DAI\" >Circle ja DAI tulevikuplaanid<\/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;\">Ringi (USDC) ja DAI ajalugu Coin (DAI)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC k\u00e4ivitas <\/b><a href=\"https:\/\/www.circle.com\/en\/\" target=\"_blank\" rel=\"noopener\"><b>Ring<\/b><\/a><b>, konsortsium, kuhu kuuluvad <\/b><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"noopener\"><b>Coinbase<\/b><\/a><b> vahetus, aastal 2018.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esialgu pidi USDC olema tagatud dollarireservidega, kuigi hiljem oli ettev\u00f5te <\/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;\">muutis seda poliitikat<\/span><\/a><span style=\"font-weight: 400;\"> aadressile <\/span><b>toetada stabiilsetcoin muude investeeringutega, nagu ettev\u00f5tete v\u00f5lakirjad, USA riigiv\u00f5lakirjad ja kommertspaberid.<\/b><span style=\"font-weight: 400;\">. Vastavalt 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;\">umbes 61% USDC reservidest<\/span><\/a><span style=\"font-weight: 400;\"> koosnevad sularahast ja raha ekvivalentidest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle reklaamib USDC kui l\u00e4bipaistvat ja reguleeritud stabiilsetcoin. Viimasel ajal on siiski kahtluse alla seatud stabiilsecoin usaldusv\u00e4\u00e4rsus, eriti p\u00e4rast Silvergate Banki (SVB) langust, millel oli m\u00e4rkimisv\u00e4\u00e4rne kogus USDC reserve, umbes 3,3 miljardit USD.\u00a0<\/span><\/p>\n<p><b>USDC on endiselt suuruselt teine stabiilnecoin turukapitali j\u00e4rgi.<\/b><span style=\"font-weight: 400;\">, mis tuleb p\u00e4rast <a href=\"https:\/\/coinkickoff.com\/et\/tether-usdt\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"Mis on Tether (USDT)? Kuidas see t\u00f6\u00f6tab ja kust seda osta?\">Tether<\/a>USDT.<\/span><\/p>\n<p><b>DAI stabiilnecoin k\u00e4ivitas 2017. aastal MakerDAO, detsentraliseeritud autonoomne organisatsioon, mille asutas <a href=\"https:\/\/coinkickoff.com\/et\/thorchain-rune\/\" data-internallinksmanager029f6b8e52c=\"53\" title=\"Mis on Thorchain (RUNE) Kuidas see toimib ja kust seda osta?\">Rune<\/a> Christensen 2014. aastal.<\/b><span style=\"font-weight: 400;\"> MakerDAO liikmed (<a href=\"https:\/\/coinkickoff.com\/et\/maker-mkr\/\" data-internallinksmanager029f6b8e52c=\"63\" title=\"Mis on Maker (MKR) Kuidas see toimib ja kust seda osta?\">MKR<\/a> omanikud) saavad h\u00e4\u00e4letada stabiilsecoin tuleviku \u00fcle ja osaleda otsustusprotsessis, sellest ka nimetus \"detsentraliseeritud autonoomne\".<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Siiski sai DAI kriitikat selle eest, et see on \u00fcsna tsentraliseeritud, kuna Christensenil ja asutajameeskonnal oli palju otsustus\u00f5igust. Teine kriitika, mida DAI sageli saab, tuleneb selle s\u00f5ltuvusest USDC-st.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Erinevalt USDT v\u00f5i USDC, mille tagatiseks on fiatraha ja muud reaalsed varad, <\/span><b>DAI on enamasti tagatud teiste kr\u00fcptovaluutadega.<\/b><span style=\"font-weight: 400;\"> See t\u00e4hendab, et token on tundlik hinnak\u00f5ikumiste suhtes, eriti kui aluseks olevate tokende v\u00e4\u00e4rtust m\u00f5jutavad \u00f5iguslikud v\u00f5i turusuundumused.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2022. aastal v\u00f5ttis MakerDAO vastu ettepaneku muuta DAI reservid detsentraliseeritumaks, tehes seda j\u00e4rgmiselt <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-members-support-founders-endgame-180208820.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">investeerimine reaalmaailma varadesse<\/span><\/a><span style=\"font-weight: 400;\">. Tulevikus v\u00f5ib DAI muutuda reaalse varaga tagatud stabiilsekscoin.\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\">Enamik 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> Loetletud kr\u00fcptovaluutad<\/li><li><strong>&lt;0.10%<\/strong> Tehingutasud<\/li><li><strong>120 miljonit<\/strong> Registreeritud kasutajad<\/li><li>Turvaline varade fond kasutajate jaoks<\/li><li>Teenida hoiuste pealt<\/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\">Alusta<\/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\">Enamik riike<\/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>USAs asuv<\/li><li>Alustage nii v\u00e4heste <strong>$10<\/strong><\/li><li>Osta ja m\u00fc\u00fca <strong>200+<\/strong> kr\u00fcptovaluutad<\/li><li>Pro lahendus suurematele kauplejatele<\/li><li>Saadaval on <strong>190+<\/strong> riigid<\/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\">Alusta<\/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\">USAs asuv<\/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> Loetletud kr\u00fcptovaluutad<\/li><li>Saada kr\u00fcpto p\u00e4rast oma esimest ostu<\/li><li>Kindlustusega kaitstud&nbsp;<\/li><li>Turvaline ladustamine v\u00f5lvkaitsega<\/li><li>K\u00f5ige usaldusv\u00e4\u00e4rsem kr\u00fcptoraha platvorm<\/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\">Alusta<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">Saate rohkem teada ajaloost <\/span><a href=\"https:\/\/coinkickoff.com\/et\/dai-dai\/\"><span style=\"font-weight: 400;\">DAI<\/span><\/a><span style=\"font-weight: 400;\"> ja USDC meie \u00fclevaadetes.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_USDC_and_DAI_Work\"><\/span><span style=\"font-weight: 400;\">Kuidas t\u00f6\u00f6tavad USDC ja DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Nagu te juba teate, peaks stabiilnecoins, mis on seotud USD-ga, olema alati v\u00e4\u00e4rt 1 USD, erinevalt teistest volatiilsetest kr\u00fcptovaluutadest, nagu n\u00e4iteks <a href=\"https:\/\/coinkickoff.com\/et\/bitcoin-btc\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Mis on Bitcoin (BTC)? Hind, ajalugu ja kust osta\">Bitcoin<\/a> (BTC) v\u00f5i <a href=\"https:\/\/coinkickoff.com\/et\/ethereum-eth\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Mis on Ethereum (ETH)? Hind, ajalugu ja kust osta\">Ethereum<\/a> (ETH).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nagu enamik teisi stabiilseidcoins, USDC ja DAI s\u00e4ilitavad oma hinnastabiilsuse t\u00e4nu tagatislaenudele (erandiks on algoritmilised stabiilsedcoins, kuid need on teadaolevalt eba\u00f5nnestunud). P\u00f5him\u00f5tteliselt, <\/span><b>USDC ja DAI alusvara tagab neile hinnastabiilsuse.<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">See toimib j\u00e4rgmiselt: Kui Circle laseb turul v\u00e4lja uue USDC, lukustavad nad oma reservi USDC sularaha ekvivalendi, mille nad v\u00e4ljastavad. N\u00e4iteks kui ettev\u00f5te emiteerib 100 USDC token, peab ta oma reservidesse lisama 100 USD. Nii tagab ettev\u00f5te, et \u00fcks USDC on v\u00e4\u00e4rt 1 USD, sest ettev\u00f5te ostab seda alati selle hinnaga.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI t\u00f6\u00f6tab veidi teisiti, sest DAI reservid ei koosne dollaritest, vaid teistest token ja stabiilsetestcoins nagu Ethereum ja USDC. Nagu v\u00f5ite arvata, muudab see selle turutingimuste suhtes veidi haavatavamaks, sest DAI peab s\u00f5ltuma <a href=\"https:\/\/coinkickoff.com\/et\/prices\/\" data-internallinksmanager029f6b8e52c=\"136\" title=\"Top 100 Live Cryptocurrency hinnad (USD)\">kr\u00fcpto hind<\/a> stabiilsus toimimiseks. Et kompenseerida seda t\u00e4iendavat haavatavust, <\/span><b>DAI kasutab s\u00fcsteemi, mida tuntakse kui \u00fclerakendamist.<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00dclalepanekut saame paremini aru, kui v\u00f5rdleme seda USDC t\u00f6\u00f6p\u00f5him\u00f5ttega. Nagu me just selgitasime, piisab 100 USD-st, et osta 100 USDC. Te annate Circle 100 USD, ettev\u00f5te paneb selle oma reservidesse ja annab teile vastutasuks 100 USDC. Teie 100 USD on n\u00fc\u00fcd teie USDC tagatiseks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kui DAI t\u00f6\u00f6taks nagu USDC, oleks vaja anda MakerDAO-le ainult 100 USDC, et saada 100 DAI. Aga nii see ei t\u00f6\u00f6ta! Tegelikkuses tuleb anda MakerDAO-le 120-150 USDC, et saada 100 DAI. See muudab DAI \u00fclekaaluliseks varaks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI vajab sellist \u00fclisuurt tagatist, sest kr\u00fcptohinnad, isegi stabiilsedcoin hinnad, on tundlikud hinnak\u00f5ikumiste suhtes. Seega p\u00fc\u00fcab MakerDAO tagada, et nende varal oleks kaitsemull, kui kr\u00fcptohinnad peaksid k\u00f5vasti langema.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">T\u00e4pse tagatiste suhte otsustab Maker Protocol, mis kasutab algoritme tagatiste j\u00e4lgimiseks, et tagada DAI hinna stabiilsus. Kui te hoiustate token Maker Protocol'ile, on teie varad lukustatud Collateralized Debt Positions (CDP) nutilepingutesse. Kui teie tagatiste v\u00e4\u00e4rtus langeb alla teatava taseme, likvideerivad arukad lepingud automaatselt varasid, et tagada DAI hinna stabiilsus.<\/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;\">Millised on USDC ja DAI peamised kasutusjuhud?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Stablecoins saab kasutada enamiku altcoins ostmiseks ja kauplemiseks. <\/span><b>Enamik <a href=\"https:\/\/coinkickoff.com\/et\/crypto-exchanges\/\" data-internallinksmanager029f6b8e52c=\"141\" title=\"21 Parimad kr\u00fcptovaluuta vahetused ja rakendused aastal 2024\">kr\u00fcptovahetused<\/a> tegutsevad altcoin turgudel, mis on nomineeritud USDC v\u00f5i USDT, kuna need on kaks suurimat stabiilsetcoins.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC suurimaks eeliseks on selle<\/span><i><span style=\"font-weight: 400;\"> lihtne \u00fcmberehitusmehhanism<\/span><\/i><span style=\"font-weight: 400;\">. <\/span><b>Saate osta ja m\u00fc\u00fca USDC fiat-valuutaga, st siseneda ja v\u00e4ljuda kr\u00fcptoturult selle stabiilsecoin kaudu.<\/b><span style=\"font-weight: 400;\">. N\u00e4iteks kui soovite BTC m\u00fc\u00fcgist saadud kasumit v\u00e4lja v\u00f5tta, saate oma BTC vahetada USDC vastu ja teha v\u00e4ljamakseid tsentraliseeritud vahetuse kaudu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI ei ole nii populaarne kui USDC kauplemiseks ja digitaalse vara ostmiseks. Kuna seda ei saa tavaliselt otse sularahaks konverteerida, ei ole see hea kiireks turult v\u00e4ljumiseks. Siiski on see populaarne DeFi vara. <\/span><b>Saate oma DAI hoiule anda<\/b> <b>Maker's DSR nutikas leping teenida 1% s\u00e4\u00e4stum\u00e4\u00e4ra.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Loomulikult, <\/span><b>saate oma DAI ja USDC varasid hoiustada v\u00f5i laenata erinevatesse DeFi protokollidesse, et teenida intressi.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_and_DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">USDC ja DAI hinnakirjeldus<\/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 hinnakirjeldus<\/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=\"usdc hind\" 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 peaks alati olema v\u00e4\u00e4rt $1, kuigi hind v\u00f5ib m\u00f5nikord turu kiire liikumise t\u00f5ttu k\u00f5ikuda. Kui inimesed ostavad v\u00f5i m\u00fc\u00fcvad USDC l\u00fchikese aja jooksul suurtes kogustes, v\u00f5ib hind liikuda \u00fcles- v\u00f5i allapoole, kuid tavaliselt korrigeerib see end v\u00e4ga kiiresti.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">DAI hinnakirjeldus<\/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 hind\" 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 peaks alati olema v\u00e4\u00e4rt $1, kuigi v\u00f5ib esineda hinnak\u00f5ikumisi. Hinnak\u00f5ikumised toimuvad tavaliselt siis, kui n\u00f5udlus l\u00fchikese aja jooksul j\u00e4rsult t\u00f5useb v\u00f5i langeb, kuid hind taastub kiiresti $1 juurde.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Circle_and_DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">Circle ja DAI turukapital<\/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 Turukapital<\/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=\"usdc marketcap\" 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\">Enamik 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> Loetletud kr\u00fcptovaluutad<\/li><li><strong>&lt;0.10%<\/strong> Tehingutasud<\/li><li><strong>120 miljonit<\/strong> Registreeritud kasutajad<\/li><li>Turvaline varade fond kasutajate jaoks<\/li><li>Teenida hoiuste pealt<\/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\">Alusta<\/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\">Enamik riike<\/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>USAs asuv<\/li><li>Alustage nii v\u00e4heste <strong>$10<\/strong><\/li><li>Osta ja m\u00fc\u00fca <strong>200+<\/strong> kr\u00fcptovaluutad<\/li><li>Pro lahendus suurematele kauplejatele<\/li><li>Saadaval on <strong>190+<\/strong> riigid<\/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\">Alusta<\/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\">USAs asuv<\/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> Loetletud kr\u00fcptovaluutad<\/li><li>Saada kr\u00fcpto p\u00e4rast oma esimest ostu<\/li><li>Kindlustusega kaitstud&nbsp;<\/li><li>Turvaline ladustamine v\u00f5lvkaitsega<\/li><li>K\u00f5ige usaldusv\u00e4\u00e4rsem kr\u00fcptoraha platvorm<\/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\">Alusta<\/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;\"> on suuruselt teine stabiilnecoin p\u00e4rast USDT ja suuruselt viies kr\u00fcptoraha turukapitalisatsiooni j\u00e4rgi. Alates 2023. aasta aprillist on <\/span><a href=\"https:\/\/www.coingecko.com\/en\/coins\/usd-coin\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">ringlusse laskmine<\/span><\/a><span style=\"font-weight: 400;\"> aadressilt <\/span><b>32 miljardit USDC<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC jaoks ei ole kehtestatud koguvarustust, kuna <\/span><a href=\"https:\/\/www.centre.io\/usdc-faq\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Circle'i poolt heakskiidetud finantseerimisasutused<\/span><\/a><span style=\"font-weight: 400;\"> v\u00f5ib turule anda uusi USDC, kui n\u00f5udlus on olemas. Kui inimesed m\u00fc\u00fcvad USDC, et saada tagasi oma tagatised, p\u00f5letavad samad asutused \u00fcleliigse USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kuigi see oli algselt v\u00e4lja t\u00f6\u00f6tatud ja k\u00e4ivitatud Ethereum v\u00f5rkudes, on USDC n\u00fc\u00fcd saadaval mitmetes plokiahelates, n\u00e4iteks <a href=\"https:\/\/coinkickoff.com\/et\/solana-sol\/\" data-internallinksmanager029f6b8e52c=\"5\" title=\"Mis on Solana (SOL)? Kuidas see t\u00f6\u00f6tab ja kust seda osta?\">Solana<\/a>, <a href=\"https:\/\/coinkickoff.com\/et\/hedera-hbar\/\" data-internallinksmanager029f6b8e52c=\"35\" title=\"Mis on Hedera (HBAR) Kuidas see toimib ja kust seda osta?\">Hedera<\/a>, <a href=\"https:\/\/coinkickoff.com\/et\/algorand-algo\/\" data-internallinksmanager029f6b8e52c=\"182\" title=\"Mis on Algorand (ALGO)? Hind, ajalugu ja kust osta\">Algorand<\/a>, <a href=\"https:\/\/coinkickoff.com\/et\/tron-trx\/\" data-internallinksmanager029f6b8e52c=\"27\" title=\"Mis on Tron (TRX) Kuidas see toimib ja kust seda osta?\">Tron<\/a>ja <a href=\"https:\/\/coinkickoff.com\/et\/stellar-xlm\/\" data-internallinksmanager029f6b8e52c=\"33\" title=\"Mis on Stellar (XLM) Kuidas see toimib ja kust seda osta?\">Stellar<\/a>.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">DAI Turukapital<\/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 marketcap\" 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;\"> on suuruselt neljas stabiilnecoin ja turukapitalisatsiooni j\u00e4rgi suuruselt seitsmeteistk\u00fcmnes kr\u00fcptoraha. Alates 2023. aasta aprillist on olemas <\/span><a href=\"https:\/\/coinmarketcap.com\/currencies\/multi-collateral-dai\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">ringlusse laskmine<\/span><\/a><span style=\"font-weight: 400;\"> aadressilt <\/span><b>5,2 miljardit DAI<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI jaoks ei ole m\u00e4\u00e4ratud koguvarustust. Uued DAI token-d v\u00e4ljastatakse automaatselt Maker Protocol'i arukate lepingute abil, kui inimesed hoiustavad tagatiseks kr\u00fcptovaluutasid. MakerDAO vastutab protokolli haldamise ja tagatiste suhte \u00fcle otsustamise eest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kuigi MakerDAO on tuntud autonoomse ja detsentraliseeritud juhtimise poolest, kontrollib projekti enamasti asutajaskond, kellele kuulub enamik MKR token-dest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Saate osta DAI enamikul kr\u00fcptob\u00f6rsidel ja hoiustada seda paljudes DeFi protokollides, et teenida intressi.\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;\">Peamised sarnasused<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC ja DAI on m\u00f5lemad stabiilsedcoins ja USD on 1:1 seotud. M\u00f5lemad varad on \u00fcsna populaarsed ja neid v\u00f5ib leida enamikus kr\u00fcptovahetustes. Passiivse sissetuleku teenimiseks saate m\u00f5lemad varad DeFi protokollidesse hoiustada v\u00f5i lukustada.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Suurim sarnasus USDC ja DAI vahel on nende kasutamine tuletisfinantsrakendustes. <\/span><b>Nii USDC kui ka DAI on populaarsed investeerimisvahendid intressi teenimiseks.<\/b><span style=\"font-weight: 400;\"> V\u00f5ite laenata m\u00f5lemat vara teistele k\u00f5rge intressim\u00e4\u00e4raga.<\/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;\">Peamised erinevused<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">USDC ja DAI vahel on mitmeid erinevusi, sealhulgas erinevused nende turu ulatuse, sidumismehhanismide, reservide seisundi ja juhtimise osas. Vaatleme neid \u00fcksikasjalikumalt.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pegging_Mechanism\"><\/span><span style=\"font-weight: 400;\">Kinnitusmehhanism<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Eelmistes punktides selgitati, kuidas DAI ja USDC \u00fcksteisest erinevalt toimivad. Kui USDC kaitseb oma pegi, tagades reaalseid varasid, nagu sularaha ja investeeringud, siis DAI kaitseb oma v\u00e4\u00e4rtust teiste kr\u00fcptovaluutade, peamiselt Ethereum ja USDC, \u00fcleliigse tagamise teel.\u00a0<\/span><\/p>\n<p><b>DAI taga on peamiselt USD Coin (USDC) ja Ether (ETH), samuti muud token nagu <a href=\"https:\/\/coinkickoff.com\/et\/uniswap-uni\/\" data-internallinksmanager029f6b8e52c=\"34\" title=\"Mis on Uniswap (UNI) Kuidas see toimib ja kust seda osta?\">Uniswap<\/a> (UNI), <a href=\"https:\/\/coinkickoff.com\/et\/pax-dollar-usdp\/\" data-internallinksmanager029f6b8e52c=\"97\" title=\"Mis on Pax Dollar (USDP)? Kuidas see toimib ja kust seda osta?\">Pax Dollar<\/a>, Gemini Dollar (GUSD) ja <a href=\"https:\/\/coinkickoff.com\/et\/pakendatud-bitcoin-wbtc\/\" data-internallinksmanager029f6b8e52c=\"17\" title=\"Mis on Wrapped Bitcoin (WBTC)? Kuidas see t\u00f6\u00f6tab ja kust seda osta?\">Wrapped Bitcoin<\/a>ja m\u00f5ned teised. <\/b><span style=\"font-weight: 400;\">See muudab DAI peaaegu t\u00e4ielikult s\u00f5ltuvaks mitmetest teistest kr\u00fcptoraha projektidest. Kui nende token-de v\u00e4\u00e4rtus kukub, v\u00f5ib ka DAI v\u00e4\u00e4rtus langeda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tehniliselt on Maker-protokolli opereerivad arukad lepingud programmeeritud v\u00e4hendama devalveerimisriski tagatise likvideerimise kaudu. Siiski v\u00f5ib DAI ikkagi kaotada v\u00e4\u00e4rtust, kui silmapaistev token oma reservides t\u00e4ielikult kokku kukub.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Siiski tuleb m\u00e4rkida, et DAI on hiljuti olnud <\/span><b>hakkas omandama reaalseid varasid, et v\u00e4hendada oma s\u00f5ltuvust kr\u00fcptoinvesteeringutest.\u00a0<\/b><\/p>\n<p><b>Kuna USDC on otseselt seotud USD-ga, peaks see j\u00e4\u00e4ma likviidseks seni, kuni Circle hoiab varade tagamiseks piisavalt sularahareserve.<\/b><span style=\"font-weight: 400;\"> Siiski tuleb m\u00e4rkida, et Circle ei pea tingimata k\u00f5iki reserve sularahas hoidma ja USDC v\u00f5ib kaotada oma pigi, kui token toetamiseks ei ole piisavalt reserve.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">See toob meid j\u00e4rgmise suure erinevuse juurde nende kahe vara vahel.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"State_of_Reserves\"><\/span><span style=\"font-weight: 400;\">Reservide olukord<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Stablecoin reservid on \u00fcldiselt keeruline teema. Juba aastaid on Tether, maailma suurima stabiilsecoin USDT emitent, keeldunud j\u00e4rjekindlalt avalike auditite esitamisest, hoolimata avalike ja ametiv\u00f5imude \u00fcleskutsetest ning mitmetest varade tagamisega seotud vastuoludest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC emitent Circle ei erine. Ametlike auditite asemel avaldab ettev\u00f5te avalike raamatupidamisfirmade hindamisaruandeid. Kahjuks, nagu paljud kriitikud m\u00e4rkisid, ei ole aruannete kehtivus ja ulatus kaugeltki l\u00e4bipaistev ja otsustav. Seet\u00f5ttu, <\/span><b>ilma s\u00f5ltumatu auditeerimiseta on v\u00f5imatu teada, milline on USDC varude olukord.<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle'i s\u00f5nul koosneb enamik USDC varudest j\u00e4rgmistest materjalidest <\/span><b>l\u00fchiajalised riigiv\u00f5lakirjad ja raha ekvivalendid.<\/b><\/p>\n<p><b>DAI reservid on seevastu l\u00e4bipaistvamad. Kuna DAI on tagatud kr\u00fcptovarade ja arukate lepingutega, on reservi teave avalik ja sellele saab iga\u00fcks juurde p\u00e4\u00e4seda.\u00a0<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Governance\"><\/span><span style=\"font-weight: 400;\">Juhtimine<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">See on veidi keeruline, sest MakerDAO ja Circle ei erine praktikas valitsemise osas v\u00e4ga palju. Teoreetiliselt on nad k\u00fcllaltki erinevad. Illustreerime, mida me t\u00e4psemalt silmas peame.<\/span><\/p>\n<p><b>Teoreetiliselt on MakerDAO detsentraliseeritud autonoomne organisatsioon, mis t\u00e4hendab, et DAI-d juhivad Maker-kogukonna liikmed.<\/b><span style=\"font-weight: 400;\"> \u00dchenduse liikmed saavad delegeerida oma MKR token (Maker Protocol governance token) esindajatele, kes h\u00e4\u00e4letavad nende nimel DAI ja MakerDAOga seotud kriitilistes k\u00fcsimustes. Seega on DAI teoreetiliselt \u00fcsna detsentraliseeritud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kuid nagu enamik teisi \"detsentraliseeritud\" projekte, <\/span><b>DAI on ka \u00fcsna tsentraliseeritud juhtimises t\u00e4nu MKR token-de koondamisele v\u00e4heste k\u00e4tte. <\/b><span style=\"font-weight: 400;\">Nende huvitatud isikute hulka kuuluvad riskikapitalistid ja asutajad ning DAI juhid. MakerDao asutaja Christensenil on DAI \u00f6kos\u00fcsteemis tohutu v\u00f5im.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">N\u00e4iteks 2022. aastal v\u00f5ttis MakerDAO t\u00e4nu Christenseni MKRi osalustele vastu vastuolulise plaani seoses stabiilsecoin tulevikuga. See t\u00e4hendab, et projektiga seotud otsused on tegelikult \u00fcsna tsentraliseeritud.<\/span><\/p>\n<p><b>Seevastu USDC emitent Circle on era\u00f5iguslik, tsentraliseeritud ettev\u00f5te. Seet\u00f5ttu kontrollib ettev\u00f5te nii USDC vermimisprotsessi kui ka k\u00f5iki olulisi otsuseid, mis puudutavad projekti tulevikku.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Market_Capitalization\"><\/span><span style=\"font-weight: 400;\">Turu kapitaliseeritus<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Suurim erinevus USDC ja DAI vahel on nende turukapital.<\/b> <b>USDC on suuruselt teine stabiilnecoin turukapitali j\u00e4rgi. DAI seevastu on alles neljas.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">USDC on enamiku peavoolu institutsioonide poolt aktsepteeritud ja sellega saab kaubelda peaaegu k\u00f5igi altcoins vastu. DAI on v\u00f5rreldes USDC-ga endiselt pigem ni\u0161istabiilnecoin.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_Associated_With_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">USDC ja DAIga seotud riskid\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;\">Risk kaotada oma tihvt<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Stabiilsecoins peamine risk on hinna volatiilsus. Stabiilnecoins v\u00f5ib teatud tingimustel kaotada oma hinnakinnituse, tavaliselt siis, kui nende reservid on liiga v\u00e4ikesed, et toetada ringluses olevate tokende arvu.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Selline stsenaarium on v\u00f5imalik, kui emiteerivad ettev\u00f5tted ei hoia piisavalt sularaha ja raha ekvivalente reservides v\u00f5i kui reservid varastatakse v\u00f5i kaovad v\u00f5i on muul viisil k\u00e4ttesaamatud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stablecoins v\u00f5ib aeg-ajalt l\u00fchiajaliselt oma dollari v\u00e4\u00e4rtusest maha j\u00e4\u00e4da, kuid tavaliselt taastub nende hind kiiresti. Kui aga de-pegging'ile ei j\u00e4rgne kiiresti taastumine, v\u00f5ib hind langeda, k\u00e4ivitades maksej\u00f5uetuse.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tavaliselt t\u00e4hendab see, et k\u00f5nealune stabiilnecoin kukub t\u00e4ielikult kokku, p\u00fchkides selle dollari v\u00e4\u00e4rtuse turult \u00e4ra ja j\u00e4ttes token omanikele v\u00e4\u00e4rtusetud token-d.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI ja USDC puhul v\u00f5ib de-pegadeerimise oht suureneda. Kuna USDC moodustab suurema osa DAI tagatistest, siis on probleemiks USDC reservid. <\/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;\">v\u00f5ib samuti vallandada de-pegging s\u00fcndmuse DAI puhul<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Kuna nii DAI kui ka USDC on DeFis populaarsed varad, v\u00f5ib hinnakrahhi m\u00f5ju tekitada laineid kogu kr\u00fcptoturul.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Vaatleme m\u00f5ningaid konkreetseid n\u00e4iteid v\u00f5imalikest probleemidest:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2023. aastal kuulutas Silvergate Bank (SVB), kr\u00fcptoettev\u00f5tete seas populaarne asutus, v\u00e4lja pankroti. Sel ajal, <\/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 valduses oli umbes 3,3 miljardit hoiust alates USDC<\/span><\/a><span style=\"font-weight: 400;\">, mis on m\u00e4rkimisv\u00e4\u00e4rne summa, mis moodustab suure osa USDC reservidest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Uudis SVB pankroti kohta p\u00f5hjustas USDC dollaripingi kaotamise. Kuigi Circle kinnitas investoritele kiiresti, et neil on puuduva 3,3 miljardi USD katmiseks vajalikud vahendid, paljastas see s\u00fcndmus, et isegi sularahap\u00f5hised stabiilsedcoins on <\/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;\">haavatav turut\u00f5rgete suhtes<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC l\u00f5petas spiraalse t\u00f5usu alles p\u00e4rast seda, kui reguleerivad asutused sekkusid ja teatasid, et <\/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;\">hoiustajad saaksid oma raha tagasi<\/span><\/a><span style=\"font-weight: 400;\">. Tavaliselt katab FDIC hoiuste kindlustus ainult kuni 250 000 USD, mis on palju v\u00e4iksem kui SVB-s hoitavad hoiused.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Loomulikult oleks USDC de-peg ka DAI-le pikemas perspektiivis kahju tekitanud, kui vara ei oleks suutnud oma hinnakinnitust tagasi saada. Kuid see pole veel k\u00f5ik. DAI on tagatud ka mitmete teiste tokendega, sealhulgas 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) on potentsiaalne risk DAI jaoks.<\/span><\/a><span style=\"font-weight: 400;\"> sest Kaksikud ise on t\u00f5sistes finantsprobleemides. Gemini kaotas umbes 900 miljonit USD p\u00e4rast Genesis'i langust, mis haldas Gemini Earn programmi. Kui Gemini finantseerimine eba\u00f5nnestub ja GUSD hinnad langevad, v\u00f5ib see ohustada DAI varusid veelgi.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Legal_and_Financial_Risks\"><\/span><span style=\"font-weight: 400;\">\u00d5iguslikud ja finantsriskid<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Nagu me selgitasime, stabiilnecoins on t\u00e4iuslik sisenemise ja v\u00e4ljumise punktid kr\u00fcptoturul. Saate osta stablecoins vahetusest ja saata neid k\u00f5ikjal maailmas suurte rahasummade \u00fclekandmiseks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kuna reguleerivad asutused on \u00fcha enam teadlikud sellest, kuidas stabiilseidcoins kasutatakse, on nad \u00fcha ettevaatlikumad selle suhtes, et lasta neil varadel reguleerimata \u00fcle maailma liikuda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nagu te teate, on kr\u00fcpto coins nagu Bitcoin (n\u00fc\u00fcd stabiilnecoins) peamine m\u00fc\u00fcgiargument kiire ja piirideta tehing, mida ei takista pangandusmaailma kulukas ja aegan\u00f5udev b\u00fcrokraatia.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kuigi see on atraktiivne ettepanek, j\u00e4tab see t\u00e4ielikult t\u00e4helepanuta, miks traditsiooniline pangandus nii toimib. Pangad kasutavad eri liiki eeskirju mingil p\u00f5hjusel, nimelt selleks, et v\u00e4ltida rahapesu, terrorismi rahastamist ja muud kuritegelikku tegevust.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Viimastel aastatel on ametiasutused hakanud j\u00e4lgima, kuidas stabiilseidcoin-tehinguid kasutatakse osalejate vahel ebaseaduslikuks raha\u00fclekandeks, ja on v\u00f5tnud meetmeid nende varade p\u00f5hjalikumaks reguleerimiseks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">N\u00e4iteks, kui v\u00e4lisvarade kontrolli b\u00fcroo <\/span><a href=\"https:\/\/home.treasury.gov\/news\/press-releases\/jy0916\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">m\u00e4\u00e4ras Tornado Cashi suhtes sanktsiooni<\/span><\/a><span style=\"font-weight: 400;\"> 2022. aastal pidid kr\u00fcptovahetusteenused viima mitmed Tornadoga seotud rahakotid musta nimekirja.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tornado Mixer on anon\u00fc\u00fcmne kauplemisteenus oma digitaalsete jalaj\u00e4lgede katmiseks plokiahelas ja seda saab kasutada OFACi sanktsioonide ja rahapesu rikkumiseks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">P\u00e4rast korraldust pani Circle musta nimekirja 38 rahakoti aadressi, millel oli v\u00e4hemalt 75 000 USDC. See on Circle'i jaoks suhteliselt v\u00e4ike summa (v\u00f5rreldes SVB valduses oleva 3,3 miljardi USD-ga), kuid see tekitas kr\u00fcpto\u00f6kos\u00fcsteemis siiski h\u00e4ireid selle kohta, kuidas m\u00e4\u00e4rused v\u00f5ivad kr\u00fcptoinvesteeringuid ohustada.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kuigi kr\u00fcpto turustab end sageli koodiga reguleerituna, on t\u00f5de see, et nende teenuste toimimiseks peavad need teenused vastama finantsmaailma reeglitele ja eeskirjadele.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where_Can_You_Buy_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Kust saab osta USDC ja DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saate osta USDC ja DAI peaaegu k\u00f5igil kr\u00fcptovahetusplatvormidel. Suurimad turud DAI jaoks on <a href=\"https:\/\/coinkickoff.com\/et\/binance-review\/\" data-internallinksmanager029f6b8e52c=\"152\" title=\"Binance Arvamused 2024: Omadused, tasud, turvalisus, plussid ja miinused\">Binance<\/a>, <a href=\"https:\/\/coinkickoff.com\/et\/coinbase-review\/\" data-internallinksmanager029f6b8e52c=\"142\" title=\"Coinbase Arvamused 2024: Omadused, tasud, turvalisus, plussid ja miinused\">Coinbase<\/a>, Uniswap ja <a href=\"https:\/\/coinkickoff.com\/et\/kraken-review\/\" data-internallinksmanager029f6b8e52c=\"171\" title=\"Kraken Arvamused 2023: Tasud, omadused, turvalisus, plussid ja miinused\">Kraken<\/a>. Samamoodi on USDC suurimad turud Binance, Kraken, Uniswap ja <a href=\"https:\/\/coinkickoff.com\/et\/kucoin-review\/\" data-internallinksmanager029f6b8e52c=\"153\" title=\"KuCoin Arvamused 2023: Tasud, turvalisus, pro ja miinused\">Kucoin<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enamik tsentraliseeritud vahetusi v\u00f5imaldab teil osta DAI ja USDC koos fiat-valuutadega, nagu USD v\u00f5i EUR, l\u00e4bi internetipanga meetodite, sealhulgas \u00fclekannete, krediit- ja deebetkaartide ning kolmandate osapoolte makseteenuste pakkujate kaudu.<\/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\">Enamik 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> Loetletud kr\u00fcptovaluutad<\/li><li><strong>&lt;0.10%<\/strong> Tehingutasud<\/li><li><strong>120 miljonit<\/strong> Registreeritud kasutajad<\/li><li>Turvaline varade fond kasutajate jaoks<\/li><li>Teenida hoiuste pealt<\/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\">Alusta<\/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\">Enamik riike<\/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>USAs asuv<\/li><li>Alustage nii v\u00e4heste <strong>$10<\/strong><\/li><li>Osta ja m\u00fc\u00fca <strong>200+<\/strong> kr\u00fcptovaluutad<\/li><li>Pro lahendus suurematele kauplejatele<\/li><li>Saadaval on <strong>190+<\/strong> riigid<\/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\">Alusta<\/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\">USAs asuv<\/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> Loetletud kr\u00fcptovaluutad<\/li><li>Saada kr\u00fcpto p\u00e4rast oma esimest ostu<\/li><li>Kindlustusega kaitstud&nbsp;<\/li><li>Turvaline ladustamine v\u00f5lvkaitsega<\/li><li>K\u00f5ige usaldusv\u00e4\u00e4rsem kr\u00fcptoraha platvorm<\/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\">Alusta<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">Saate ka DAI, kui lukustate tagatised l\u00e4bi <\/span><a href=\"https:\/\/oasis.app\/borrow\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Oasis Vault portaal<\/span><\/a><span style=\"font-weight: 400;\"> v\u00f5i <\/span><a href=\"https:\/\/debank.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DeBank<\/span><\/a><span style=\"font-weight: 400;\"> ja <\/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;\">Kuidas saab vahetada USDC vastu DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saate vahetada USDC DAI vastu enamikul kr\u00fcptovahetusplatvormidel. Uniswap ja Curve pakuvad suuri USDC\/DAI turge, kuid v\u00f5ite kontrollida, kas teie kr\u00fcptovahetus loetleb USDC\/DAI paarid.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Future_Plans_for_Circle_and_DAI\"><\/span><span style=\"font-weight: 400;\">Circle ja DAI tulevikuplaanid<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">OFACi korraldus Tornado Mixeri vastu ja Silvergate Banki (SVB) pankrot on olnud olulised s\u00fcndmused nii USDC kui ka DAI jaoks. M\u00f5lema vara tulevik s\u00f5ltub sellest, kuidas nende varade haldamise eest vastutavad inimesed neile takistustele reageerivad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MakerDAO on viimastel kuudel vastu v\u00f5tnud mitu kava, mis v\u00f5ivad tuua stabiilsecoin jaoks suuri muutusi. Tegelikult j\u00e4\u00e4b lahtiseks, kas DAI j\u00e4\u00e4b stabiilsecoin-ks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vaatame DAI ja USDC tulevikuplaane l\u00e4hemalt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2022. aastal korraldas MakerDAO kogukond h\u00e4\u00e4letuse Rune Christenseni vastuolulise plaani \u00fcle DAI tuleviku kohta, mis kandis nime \"<\/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 on \"j\u00e4tkusuutliku rahanduse\" ja globaalse soojenemise vastaste meetmete valjuh\u00e4\u00e4lne pooldaja ning \"l\u00f5ppm\u00e4ngu\" plaan koosneb mitmest stsenaariumist, mis k\u00e4sitlevad tema finants- ja keskkonnamuresid.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Plaan koosneb kolmest etapist ja paljudest liikuvatest osadest, mida MakerDAO kogukond saab aja jooksul ellu viia.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L\u00fchiajaline eesm\u00e4rk on teenida nii palju raha kui v\u00f5imalik, et oleks v\u00f5imalik osta rohkem ETH-d DAI tulevikuks. Kuna DAI p\u00f5hineb juba Ethereum-l, v\u00e4idab Christensen, on m\u00f5istlik panustada pigem ETH-le kui USDC-le ja teistele stabiilsetelecoins-le.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pikaajaline eesm\u00e4rk on <\/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;\">v\u00e4hendada DAI USDC varusid<\/span><\/a><span style=\"font-weight: 400;\"> et tagada reservi kaitse. Pikemas perspektiivis n\u00f5uab kava, et MakerDAO investeeriks reaalsesse varasse, et <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-approves-deployment-100m-usdc-184700831.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">mitmekesistada DAI varusid<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kavas on ette n\u00e4htud kinnisvara ostmine ja USA valitsuse ja <\/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;\">ettev\u00f5tete v\u00f5lakirjad<\/span><\/a><span style=\"font-weight: 400;\"> kaitseks kr\u00fcpto ebastabiilsuse eest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Viimases etapis h\u00f5lmab kava DAI eraldamist USD-st, et see muutuks vabalt liikuvaks varaks. See s\u00f5ltub mitmetest muudest tingimustest, kuid j\u00e4\u00e4b tulevikus reaalseks v\u00f5imaluseks, s\u00f5ltuvalt sellest, kuidas kr\u00fcptomajandus areneb.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle seevastu on v\u00f5tnud teistsuguse l\u00e4henemisviisi suurema stabiilsuse saavutamiseks. Circle'i Tarleton Watkins pakkus v\u00e4lja, et k\u00f5ige parem oleks, kui stabiilnecoin ettev\u00f5te saaks <\/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;\">hoida dollarireserve Fedis<\/span><\/a><span style=\"font-weight: 400;\"> selliste pankade nagu SVB asemel. See, mida nimetatakse FEDi t\u00e4ieliku reservi mudeliks, tagaks reservfondide turvalisuse ilma pankrotiriskita.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SVB pankrot paljastas kibeda iroonia kr\u00fcpto keskmes: Kr\u00fcptomajandust tervitati kunagi kui murrangut traditsiooniliste finantsinstitutsioonidega, nagu pangad. Bitcoin k\u00e4ivitati kuulsalt kui lahinguh\u00fc\u00fcd eba\u00f5nnestunud panganduss\u00fcsteemi vastu, mis laadis oma mured avalikkuse peale, pannes neid maksma eba\u00f5nnestunud pangandusasutuste vigade eest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Viimane kriis SVB ja USDCga n\u00e4itab aga, et asjad ei ole nii lihtsad.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC suutis taastada oma 1 USD-pegli alles p\u00e4rast seda, kui F\u00f6deraalreserv ja rahandusministeerium eemaldasid SVB jaoks FDICi kattepiirangu. F\u00f6deraalreserv k\u00e4ivitas uue pankade t\u00e4htajalise rahastamise programmi, et leevendada SVB maksej\u00f5uetusest tulenevaid v\u00f5imalikke kahjusid, mida USA rahandusministeerium toetab 25 miljoni USD suuruse fondiga.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hoolimata ilmsetest probleemidest ametiasutustega, v\u00f5ivad reguleerivad asutused osutuda pikemas perspektiivis kr\u00fcpto p\u00e4\u00e4stjateks.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Stabiilnecoins nagu USDC ja DAI on USD-ga \u00fcks-\u00fchele seotud, mis t\u00e4hendab, et nende hind on stabiilne. T\u00e4nu sellele saab neid kasutada teiste kr\u00fcptovaluutade ostmiseks ja nendega kauplemiseks v\u00f5i DeFi projektidesse investeerimiseks. Selles USDC vs DAI \u00fclevaates selgitame erinevusi kahe stabiilsecoins vahel ning loetleme kauplemisega seotud riske ja eeliseid [...]<\/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\/et\/author\/ianw\/"},"_links":{"self":[{"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/posts\/3389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/comments?post=3389"}],"version-history":[{"count":3,"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/posts\/3389\/revisions"}],"predecessor-version":[{"id":4311,"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/posts\/3389\/revisions\/4311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/media\/2920"}],"wp:attachment":[{"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/media?parent=3389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/categories?post=3389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/coinkickoff.com\/et\/wp-json\/wp\/v2\/tags?post=3389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}