{"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\/ro\/usdc-vs-dai\/","title":{"rendered":"USDC vs DAI: Care este mai bun?"},"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\">Cele mai multe 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> Criptomonede listate<\/li><li><strong>&lt;0.10%<\/strong> Taxe de tranzac\u021bie<\/li><li><strong>120 de milioane de euro<\/strong> Utilizatori \u00eenregistra\u021bi<\/li><li>Fondul de active securizat pentru utilizatori<\/li><li>C\u00e2\u0219tig la depozite<\/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\">\u00cencepe\u021bi<\/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\">Cele mai multe \u021b\u0103ri<\/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>Cu sediul \u00een SUA<\/li><li>\u00cencepe\u021bi cu c\u00e2t mai pu\u021bin <strong>$10<\/strong><\/li><li>Cump\u0103ra\u021bi \u0219i vinde\u021bi <strong>200+<\/strong> criptomonede<\/li><li>Solu\u021bie Pro pentru comercian\u021bii mai mari<\/li><li>Disponibil \u00een <strong>190+<\/strong> \u021b\u0103ri<\/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\">\u00cencepe\u021bi<\/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\">Cu sediul \u00een SUA<\/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> Criptomonede listate<\/li><li>Ob\u021bine\u021bi Crypto dup\u0103 prima dvs. achizi\u021bie<\/li><li>Protejat de asigurare&nbsp;<\/li><li>Depozitare securizat\u0103 cu protec\u021bie Vault<\/li><li>Cea mai de \u00eencredere platform\u0103 de criptomonede<\/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\">\u00cencepe\u021bi<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n<\/p>\n<p><b>Stablecoins place <a href=\"https:\/\/coinkickoff.com\/ro\/usd-coin-usdc\/\" data-internallinksmanager029f6b8e52c=\"8\" title=\"Ce este USD Coin (USDC)? Cum func\u021bioneaz\u0103 \u0219i de unde \u00eel pute\u021bi cump\u0103ra?\">USDC<\/a> \u0219i <a href=\"https:\/\/coinkickoff.com\/ro\/dai-dai\/\" data-internallinksmanager029f6b8e52c=\"20\" title=\"Ce este Dai (DAI)? Cum func\u021bioneaz\u0103 \u0219i de unde \u00eel pute\u021bi cump\u0103ra?\">DAI<\/a> sunt ancorate la USD unu la unu, ceea ce \u00eenseamn\u0103 c\u0103 au o stabilitate a pre\u021burilor.<\/b><span style=\"font-weight: 400;\"> Datorit\u0103 acestui fapt, ele pot fi folosite pentru a cump\u0103ra \u0219i tranzac\u021biona alte criptomonede sau pentru a investi \u00een proiecte DeFi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen aceast\u0103 revizuire USDC vs DAI, vom explica diferen\u021bele dintre cele dou\u0103 coins stabile \u0219i vom enumera riscurile \u0219i beneficiile tranzac\u021bion\u0103rii lor.<\/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\">Sec\u021biuni<\/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=\"Comuta\u021bi tabelul de con\u021binut\"><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\/ro\/usdc-vs-dai\/#The_History_of_Circle_USDC_and_DAI_Coin_DAI\" >Istoria cercului (USDC) \u0219i 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\/ro\/usdc-vs-dai\/#How_Do_USDC_and_DAI_Work\" >Cum func\u021bioneaz\u0103 USDC \u0219i 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\/ro\/usdc-vs-dai\/#What_Are_the_Main_Use_Cases_of_USDC_and_DAI\" >Care sunt principalele cazuri de utilizare a USDC \u0219i 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\/ro\/usdc-vs-dai\/#USDC_and_DAI_Price_History\" >Istoricul pre\u021burilor USDC \u0219i DAI<\/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\/ro\/usdc-vs-dai\/#USDC_Price_History\" >USDC Istoric pre\u021b<\/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\/ro\/usdc-vs-dai\/#DAI_Price_History\" >DAI Istoric pre\u021b<\/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\/ro\/usdc-vs-dai\/#Circle_and_DAI_Market_Cap\" >Capac de pia\u021b\u0103 Circle \u0219i DAI<\/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\/ro\/usdc-vs-dai\/#USDC_Market_Cap\" >USDC Cap de pia\u021b\u0103<\/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\/ro\/usdc-vs-dai\/#DAI_Market_Cap\" >DAI Cap de pia\u021b\u0103<\/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\/ro\/usdc-vs-dai\/#USDC_vs_DAI_Main_Similarities\" >Principalele asem\u0103n\u0103ri \u00eentre USDC \u0219i DAI<\/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\/ro\/usdc-vs-dai\/#USDC_vs_DAI_Main_Differences\" >USDC vs DAI Principalele diferen\u021be<\/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\/ro\/usdc-vs-dai\/#Pegging_Mechanism\" >Mecanismul de ancorare<\/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\/ro\/usdc-vs-dai\/#State_of_Reserves\" >Situa\u021bia rezervelor<\/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\/ro\/usdc-vs-dai\/#Governance\" >Guvernan\u021b\u0103<\/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\/ro\/usdc-vs-dai\/#Market_Capitalization\" >Capitalizarea pie\u021bei<\/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\/ro\/usdc-vs-dai\/#Risks_Associated_With_USDC_and_DAI\" >Riscuri asociate cu USDC \u0219i 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\/ro\/usdc-vs-dai\/#Risk_of_Losing_Their_Peg\" >Riscul de a-\u0219i pierde Peg-ul<\/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\/ro\/usdc-vs-dai\/#Legal_and_Financial_Risks\" >Riscuri juridice \u0219i financiare<\/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\/ro\/usdc-vs-dai\/#Where_Can_You_Buy_USDC_and_DAI\" >De unde pute\u021bi cump\u0103ra USDC \u0219i 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\/ro\/usdc-vs-dai\/#How_Can_You_Exchange_USDC_for_DAI\" >Cum pute\u021bi schimba USDC cu 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\/ro\/usdc-vs-dai\/#Future_Plans_for_Circle_and_DAI\" >Planuri de viitor pentru Circle \u0219i 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;\">Istoria cercului (USDC) \u0219i DAI Coin (DAI)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC a fost lansat de <\/b><a href=\"https:\/\/www.circle.com\/en\/\" target=\"_blank\" rel=\"noopener\"><b>Cerc<\/b><\/a><b>, un consor\u021biu care include <\/b><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"noopener\"><b>Coinbase<\/b><\/a><b> schimb, \u00een 2018.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ini\u021bial, USDC trebuia s\u0103 fie sus\u021binut de rezervele de dolari, de\u0219i ulterior compania a <\/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;\">a modificat aceast\u0103 politic\u0103<\/span><\/a><span style=\"font-weight: 400;\"> la <\/span><b>s\u0103 acopere stabilcoin cu alte investi\u021bii, cum ar fi obliga\u021biuni corporative, obliga\u021biuni ale Trezoreriei SUA \u0219i h\u00e2rtii comerciale.<\/b><span style=\"font-weight: 400;\">. Conform 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;\">aproximativ 61% din rezervele USDC<\/span><\/a><span style=\"font-weight: 400;\"> sunt constituite din numerar \u0219i echivalente de numerar.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle face reclam\u0103 USDC ca fiind un stabil transparent \u0219i reglementatcoin. Cu toate acestea, fiabilitatea stabilit\u0103\u021biicoin a fost pus\u0103 sub semnul \u00eentreb\u0103rii \u00een ultima vreme, \u00een special de la c\u0103derea Silvergate Bank (SVB), care de\u021binea o cantitate substan\u021bial\u0103 de rezerve USDC de aproximativ 3,3 miliarde USD.\u00a0<\/span><\/p>\n<p><b>USDC r\u0103m\u00e2ne al doilea cel mai mare stabilcoin dup\u0103 capitalizarea de pia\u021b\u0103<\/b><span style=\"font-weight: 400;\">, venind dup\u0103 <a href=\"https:\/\/coinkickoff.com\/ro\/tether-usdt\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"Ce este Tether (USDT)? Cum func\u021bioneaz\u0103 \u0219i de unde se poate cump\u0103ra?\">Tether<\/a>'s USDT.<\/span><\/p>\n<p><b>DAI stabilcoin a fost lansat \u00een 2017 de MakerDAO, o organiza\u021bie autonom\u0103 descentralizat\u0103 fondat\u0103 de c\u0103tre <a href=\"https:\/\/coinkickoff.com\/ro\/thorchain-rune\/\" data-internallinksmanager029f6b8e52c=\"53\" title=\"Ce este Thorchain (RUNE) Cum func\u021bioneaz\u0103 \u0219i de unde s\u0103 o cumpere?\">Rune<\/a> Christensen \u00een 2014.<\/b><span style=\"font-weight: 400;\"> Membrii MakerDAO (<a href=\"https:\/\/coinkickoff.com\/ro\/maker-mkr\/\" data-internallinksmanager029f6b8e52c=\"63\" title=\"Ce este Maker (MKR) Cum func\u021bioneaz\u0103 \u0219i de unde s\u0103 o cumpere?\">MKR<\/a> ) pot vota cu privire la viitorul stablecoin \u0219i pot participa la procesul de luare a deciziilor, de unde \u0219i eticheta de \"autonom descentralizat\".<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu toate acestea, DAI a fost criticat pentru c\u0103 era destul de centralizat, deoarece Christensen \u0219i echipa fondatoare de\u021bineau o mare parte din puterea de decizie. O alt\u0103 critic\u0103 pe care DAI o prime\u0219te adesea din cauza dependen\u021bei sale de USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spre deosebire de USDT sau USDC, care sunt sus\u021binute de bani fiduciari \u0219i alte active din lumea real\u0103, <\/span><b>DAI este sus\u021binut \u00een principal de alte criptomonede.<\/b><span style=\"font-weight: 400;\"> Acest lucru \u00eenseamn\u0103 c\u0103 token este vulnerabil la fluctua\u021biile de pre\u021b, \u00een special dac\u0103 valoarea token-urilor subiacente este afectat\u0103 de evolu\u021bii juridice sau de pia\u021b\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen 2022, MakerDAO a adoptat o mo\u021biune pentru a face ca rezervele DAI s\u0103 fie mai descentralizate prin <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-members-support-founders-endgame-180208820.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">investi\u021bii \u00een active din lumea real\u0103<\/span><\/a><span style=\"font-weight: 400;\">. \u00cen viitor, DAI ar putea deveni un stabilcoin colateralizat cu active reale.\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\">Cele mai multe 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> Criptomonede listate<\/li><li><strong>&lt;0.10%<\/strong> Taxe de tranzac\u021bie<\/li><li><strong>120 de milioane de euro<\/strong> Utilizatori \u00eenregistra\u021bi<\/li><li>Fondul de active securizat pentru utilizatori<\/li><li>C\u00e2\u0219tig la depozite<\/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\">\u00cencepe\u021bi<\/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\">Cele mai multe \u021b\u0103ri<\/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>Cu sediul \u00een SUA<\/li><li>\u00cencepe\u021bi cu c\u00e2t mai pu\u021bin <strong>$10<\/strong><\/li><li>Cump\u0103ra\u021bi \u0219i vinde\u021bi <strong>200+<\/strong> criptomonede<\/li><li>Solu\u021bie Pro pentru comercian\u021bii mai mari<\/li><li>Disponibil \u00een <strong>190+<\/strong> \u021b\u0103ri<\/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\">\u00cencepe\u021bi<\/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\">Cu sediul \u00een SUA<\/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> Criptomonede listate<\/li><li>Ob\u021bine\u021bi Crypto dup\u0103 prima dvs. achizi\u021bie<\/li><li>Protejat de asigurare&nbsp;<\/li><li>Depozitare securizat\u0103 cu protec\u021bie Vault<\/li><li>Cea mai de \u00eencredere platform\u0103 de criptomonede<\/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\">\u00cencepe\u021bi<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">Pute\u021bi afla mai multe despre istoriile <\/span><a href=\"https:\/\/coinkickoff.com\/ro\/dai-dai\/\"><span style=\"font-weight: 400;\">DAI<\/span><\/a><span style=\"font-weight: 400;\"> \u0219i USDC \u00een recenziile noastre.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_USDC_and_DAI_Work\"><\/span><span style=\"font-weight: 400;\">Cum func\u021bioneaz\u0103 USDC \u0219i DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dup\u0103 cum probabil \u0219ti\u021bi deja, stabilcoins legat la USD ar trebui s\u0103 valoreze \u00eentotdeauna 1 USD, spre deosebire de alte criptomonede volatile, cum ar fi <a href=\"https:\/\/coinkickoff.com\/ro\/bitcoin-btc\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Ce este Bitcoin (BTC)? Pre\u021b, istoric \u0219i unde se poate cump\u0103ra\">Bitcoin<\/a> (BTC) sau <a href=\"https:\/\/coinkickoff.com\/ro\/ethereum-eth\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Ce este Ethereum (ETH)? Pre\u021b, istoric \u0219i unde se poate cump\u0103ra\">Ethereum<\/a> (ETH).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La fel ca majoritatea celorlalte coins stabile, USDC \u0219i DAI \u00ee\u0219i p\u0103streaz\u0103 stabilitatea pre\u021bului datorit\u0103 \u00eemprumuturilor colaterale (coins stabile algoritmice sunt o excep\u021bie de la regul\u0103, dar se \u0219tie c\u0103 acestea e\u0219ueaz\u0103). \u00cen principiu, <\/span><b>USDC \u0219i DAI au active suport care le asigur\u0103 stabilitatea pre\u021burilor<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Iat\u0103 cum func\u021bioneaz\u0103: Atunci c\u00e2nd Circle emite un nou USDC pe pia\u021b\u0103, \u00ee\u0219i blocheaz\u0103 \u00een rezervele sale echivalentul \u00een numerar al USDC pe care \u00eel emite. De exemplu, dac\u0103 societatea emite 100 USDC token, trebuie s\u0103 adauge 100 USD la rezervele sale. \u00cen acest fel, compania garanteaz\u0103 c\u0103 un singur USDC valoreaz\u0103 1 USD, deoarece compania \u00eel cump\u0103r\u0103 \u00eentotdeauna la acest pre\u021b.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI func\u021bioneaz\u0103 pu\u021bin diferit, deoarece rezervele DAI nu sunt formate din dolari, ci din alte token \u0219i coins stabile, cum ar fi Ethereum \u0219i USDC. Dup\u0103 cum pute\u021bi ghici, acest lucru \u00eel face pu\u021bin mai vulnerabil la condi\u021biile de pia\u021b\u0103, deoarece DAI trebuie s\u0103 depind\u0103 de <a href=\"https:\/\/coinkickoff.com\/ro\/prices\/\" data-internallinksmanager029f6b8e52c=\"136\" title=\"Top 100 Pre\u021buri live la criptomonede (USD)\">pre\u021b criptografic<\/a> stabilitate pentru a func\u021biona. Pentru a compensa acea vulnerabilitate suplimentar\u0103, <\/span><b>DAI folose\u0219te un sistem cunoscut sub numele de supracolateralizare<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Putem \u00een\u021belege mai bine supracolateralizarea dac\u0103 o compar\u0103m cu modul \u00een care func\u021bioneaz\u0103 USDC. Dup\u0103 cum tocmai am explicat, 100 de USD sunt suficiente pentru a cump\u0103ra 100 de USDC. Dumneavoastr\u0103 \u00eei da\u021bi Cercului 100 USD, iar compania \u00eei pune \u00een rezervele sale \u0219i v\u0103 d\u0103 \u00een schimb 100 USDC. Cele 100 USD sunt acum garan\u021bia pentru USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 DAI ar func\u021biona la fel ca USDC, ar fi suficient s\u0103 dai 100 de USDC la MakerDAO pentru a ob\u021bine 100 de DAI. Dar nu a\u0219a func\u021bioneaz\u0103! \u00cen realitate, trebuie s\u0103 dai \u00eentre 120 \u0219i 150 USDC la MakerDAO pentru a primi 100 DAI. Acest lucru face ca DAI s\u0103 fie un activ supracolateralizat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI are nevoie de acest tip de supracolateralizare deoarece pre\u021burile cripto, chiar \u0219i cele stabilecoin, sunt vulnerabile la fluctua\u021biile de pre\u021b. Prin urmare, MakerDAO \u00eencearc\u0103 s\u0103 se asigure c\u0103 activul lor are o bul\u0103 de protec\u021bie \u00een cazul \u00een care pre\u021burile criptogramei scad puternic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Raportul exact al garan\u021biilor este decis de Maker Protocol, care utilizeaz\u0103 algoritmi pentru a urm\u0103ri garan\u021biile pentru a se asigura c\u0103 pre\u021bul DAI r\u0103m\u00e2ne stabil. Atunci c\u00e2nd depune\u021bi token-uri la Maker Protocol, activele dvs. sunt blocate \u00een contracte inteligente de tip CDP (Collateralized Debt Positions). \u00cen cazul \u00een care valoarea garan\u021biilor dvs. scade sub un anumit nivel, contractele inteligente lichideaz\u0103 automat activele pentru a se asigura c\u0103 pre\u021bul DAI r\u0103m\u00e2ne stabil.<\/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;\">Care sunt principalele cazuri de utilizare a USDC \u0219i DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Stablecoins poate fi utilizat pentru a cump\u0103ra \u0219i tranzac\u021biona majoritatea altcoins. <\/span><b>Cele mai multe <a href=\"https:\/\/coinkickoff.com\/ro\/crypto-exchanges\/\" data-internallinksmanager029f6b8e52c=\"141\" title=\"21 Cele mai bune 21 Cele mai bune schimburi de criptomonede \u0219i aplica\u021bii \u00een 2024\">schimburi criptografice<\/a> opereaz\u0103 pie\u021be altcoin denominate \u00een USDC sau USDT, deoarece acestea sunt cele mai mari dou\u0103 pie\u021be stabilecoins.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cel mai mare avantaj al USDC este faptul c\u0103<\/span><i><span style=\"font-weight: 400;\"> mecanism de conversie u\u0219oar\u0103<\/span><\/i><span style=\"font-weight: 400;\">. <\/span><b>Pute\u021bi cump\u0103ra \u0219i vinde USDC cu moneda fiduciar\u0103, adic\u0103 pute\u021bi intra \u0219i ie\u0219i de pe pia\u021ba criptografic\u0103 prin intermediul acestui stabilcoin<\/b><span style=\"font-weight: 400;\">. De exemplu, dac\u0103 dori\u021bi s\u0103 v\u0103 \u00eencasa\u021bi profiturile ob\u021binute din v\u00e2nzarea de BTC, pute\u021bi schimba BTC cu USDC \u0219i pute\u021bi \u00eencasa banii prin intermediul unui schimb centralizat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI nu este la fel de popular ca USDC pentru tranzac\u021bionarea \u0219i cump\u0103rarea de active digitale. Deoarece, de obicei, nu poate fi convertit direct \u00een numerar, nu este grozav pentru ie\u0219iri rapide de pe pia\u021b\u0103. Cu toate acestea, este un activ DeFi popular. <\/span><b>Pute\u021bi depune DAI la<\/b> <b>Contractul inteligent DSR al lui Maker pentru a ob\u021bine o rat\u0103 de economisire de 1%.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bine\u00een\u021beles c\u0103 da, <\/span><b>pute\u021bi, de asemenea, s\u0103 depune\u021bi sau s\u0103 \u00eemprumuta\u021bi activele DAI \u0219i USDC la diferite protocoale DeFi pentru a c\u00e2\u0219tiga dob\u00e2nd\u0103.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_and_DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">Istoricul pre\u021burilor USDC \u0219i DAI<\/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 Istoric pre\u021b<\/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=\"pre\u021bul usdc\" 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 1 USDC ar trebui s\u0103 valoreze \u00eentotdeauna $1, de\u0219i pre\u021bul poate fluctua uneori din cauza mi\u0219c\u0103rilor rapide ale pie\u021bei. Atunci c\u00e2nd oamenii cump\u0103r\u0103 sau v\u00e2nd USDC \u00een cantit\u0103\u021bi uria\u0219e \u00eentr-o perioad\u0103 scurt\u0103 de timp, pre\u021bul se poate mi\u0219ca \u00een sus sau \u00een jos, de\u0219i, de obicei, se corecteaz\u0103 foarte repede.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">DAI Istoric pre\u021b<\/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 pre\u021b\" 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 1 DAI ar trebui s\u0103 valoreze \u00eentotdeauna $1, de\u0219i pot ap\u0103rea fluctua\u021bii de pre\u021b. Fluctua\u021biile de pre\u021b apar de obicei atunci c\u00e2nd cererea cre\u0219te sau scade brusc \u00eentr-un timp scurt, dar pre\u021bul revine rapid la $1.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Circle_and_DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">Capac de pia\u021b\u0103 Circle \u0219i DAI<\/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 Cap de pia\u021b\u0103<\/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=\"capitalizare de pia\u021b\u0103 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\">Cele mai multe 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> Criptomonede listate<\/li><li><strong>&lt;0.10%<\/strong> Taxe de tranzac\u021bie<\/li><li><strong>120 de milioane de euro<\/strong> Utilizatori \u00eenregistra\u021bi<\/li><li>Fondul de active securizat pentru utilizatori<\/li><li>C\u00e2\u0219tig la depozite<\/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\">\u00cencepe\u021bi<\/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\">Cele mai multe \u021b\u0103ri<\/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>Cu sediul \u00een SUA<\/li><li>\u00cencepe\u021bi cu c\u00e2t mai pu\u021bin <strong>$10<\/strong><\/li><li>Cump\u0103ra\u021bi \u0219i vinde\u021bi <strong>200+<\/strong> criptomonede<\/li><li>Solu\u021bie Pro pentru comercian\u021bii mai mari<\/li><li>Disponibil \u00een <strong>190+<\/strong> \u021b\u0103ri<\/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\">\u00cencepe\u021bi<\/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\">Cu sediul \u00een SUA<\/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> Criptomonede listate<\/li><li>Ob\u021bine\u021bi Crypto dup\u0103 prima dvs. achizi\u021bie<\/li><li>Protejat de asigurare&nbsp;<\/li><li>Depozitare securizat\u0103 cu protec\u021bie Vault<\/li><li>Cea mai de \u00eencredere platform\u0103 de criptomonede<\/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\">\u00cencepe\u021bi<\/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;\"> este a doua cea mai marecoin stabil\u0103 dup\u0103 USDT \u0219i a cincea cea mai mare criptomoned\u0103 dup\u0103 capitalizarea de pia\u021b\u0103. \u00cencep\u00e2nd cu aprilie 2023, exist\u0103 un <\/span><a href=\"https:\/\/www.coingecko.com\/en\/coins\/usd-coin\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">alimentarea prin circula\u021bie<\/span><\/a><span style=\"font-weight: 400;\"> de <\/span><b>32 miliarde USDC<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nu exist\u0103 un set total de aprovizionare pentru USDC, deoarece <\/span><a href=\"https:\/\/www.centre.io\/usdc-faq\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Institu\u021bii financiare aprobate de cerc<\/span><\/a><span style=\"font-weight: 400;\"> poate emite noi USDC pe pia\u021b\u0103 at\u00e2ta timp c\u00e2t exist\u0103 cerere. Atunci c\u00e2nd oamenii v\u00e2nd USDC pentru a-\u0219i recupera garan\u021biile, acelea\u0219i institu\u021bii ard surplusul de USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De\u0219i a fost ini\u021bial dezvoltat \u0219i lansat pe re\u021belele Ethereum, USDC este acum disponibil pe mai multe blockchains, cum ar fi <a href=\"https:\/\/coinkickoff.com\/ro\/solana-sol\/\" data-internallinksmanager029f6b8e52c=\"5\" title=\"Ce este Solana (SOL)? Cum func\u021bioneaz\u0103 \u0219i de unde se poate cump\u0103ra?\">Solana<\/a>, <a href=\"https:\/\/coinkickoff.com\/ro\/hedera-hbar\/\" data-internallinksmanager029f6b8e52c=\"35\" title=\"Ce este Hedera (HBAR) Cum func\u021bioneaz\u0103 \u0219i de unde s\u0103 o cump\u0103ra\u021bi?\">Hedera<\/a>, <a href=\"https:\/\/coinkickoff.com\/ro\/algorand-algo\/\" data-internallinksmanager029f6b8e52c=\"182\" title=\"Ce este Algorand (ALGO)? Pre\u021bul, istoricul \u0219i unde s\u0103 cumpere\">Algorand<\/a>, <a href=\"https:\/\/coinkickoff.com\/ro\/tron-trx\/\" data-internallinksmanager029f6b8e52c=\"27\" title=\"Ce este Tron (TRX) Cum func\u021bioneaz\u0103 \u0219i de unde s\u0103-l cumpere?\">Tron<\/a>, \u0219i <a href=\"https:\/\/coinkickoff.com\/ro\/stelar-xlm\/\" data-internallinksmanager029f6b8e52c=\"33\" title=\"Ce este Stellar (XLM), cum func\u021bioneaz\u0103 \u0219i de unde se poate cump\u0103ra?\">Stelar<\/a>.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">DAI Cap de pia\u021b\u0103<\/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;\"> este al patrulea cel mai mare stabilcoin \u0219i al \u0219aptesprezecelea cel mai mare criptomoned\u0103 dup\u0103 capitalizarea de pia\u021b\u0103. \u00cencep\u00e2nd cu aprilie 2023, exist\u0103 o <\/span><a href=\"https:\/\/coinmarketcap.com\/currencies\/multi-collateral-dai\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">alimentarea prin circula\u021bie<\/span><\/a><span style=\"font-weight: 400;\"> de <\/span><b>5,2 miliarde de euro DAI<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nu exist\u0103 o alimentare total\u0103 stabilit\u0103 pentru DAI. Noile DAI token sunt emise automat de c\u0103tre contractele inteligente Maker Protocol atunci c\u00e2nd oamenii depun criptomonede colaterale. MakerDAO se ocup\u0103 de gestionarea protocolului \u0219i de stabilirea raportului de colateral.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De\u0219i MakerDAO are o reputa\u021bie de guvernare autonom\u0103 \u0219i descentralizat\u0103, proiectul este controlat \u00een mare parte de echipa fondatoare, care de\u021bine majoritatea MKR token-urilor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po\u021bi cump\u0103ra DAI de pe majoritatea cripto-burselor \u0219i \u00eel po\u021bi depune pe mai multe protocoale DeFi pentru a c\u00e2\u0219tiga dob\u00e2nd\u0103.\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;\">Principalele asem\u0103n\u0103ri<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC \u0219i DAI sunt ambele stabilecoins se potrive\u0219te cu USD \u00eentr-un raport de unu la unu. Ambele active sunt destul de populare \u0219i pot fi g\u0103site pe majoritatea burselor de criptomonede. Pute\u021bi depune sau bloca ambele active \u00een protocoale DeFi pentru a ob\u021bine venituri pasive.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Cea mai mare asem\u0103nare \u00eentre USDC \u0219i DAI este modul \u00een care sunt utilizate \u00een aplica\u021biile financiare derivate. <\/span><b>At\u00e2t USDC, c\u00e2t \u0219i DAI sunt instrumente de investi\u021bii populare pentru ob\u021binerea de dob\u00e2nzi.<\/b><span style=\"font-weight: 400;\"> Pute\u021bi \u00eemprumuta ambele active altora cu rate ridicate ale dob\u00e2nzii.<\/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;\">Principalele diferen\u021be<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Exist\u0103 mai multe diferen\u021be \u00eentre USDC \u0219i DAI, inclusiv diferen\u021be \u00een ceea ce prive\u0219te accesul pe pia\u021b\u0103, mecanismele de ancorare, starea rezervelor \u0219i guvernan\u021ba. S\u0103 le analiz\u0103m mai \u00een detaliu.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pegging_Mechanism\"><\/span><span style=\"font-weight: 400;\">Mecanismul de ancorare<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen sec\u021biunile anterioare, am explicat modul \u00een care DAI \u0219i USDC func\u021bioneaz\u0103 diferit unul fa\u021b\u0103 de cel\u0103lalt. \u00cen timp ce USDC \u00ee\u0219i protejeaz\u0103 valoarea prin garantarea activelor din lumea real\u0103, cum ar fi banii lichizi \u0219i investi\u021biile, DAI \u00ee\u0219i protejeaz\u0103 valoarea prin supracolateralizarea altor criptomonede, \u00een principal Ethereum \u0219i USDC.\u00a0<\/span><\/p>\n<p><b>DAI este sus\u021binut\u0103 \u00een principal de USD Coin (USDC) \u0219i Ether (ETH), precum \u0219i de alte token-uri, cum ar fi <a href=\"https:\/\/coinkickoff.com\/ro\/uniswap-uni\/\" data-internallinksmanager029f6b8e52c=\"34\" title=\"Ce este Uniswap (UNI), cum func\u021bioneaz\u0103 \u0219i de unde se poate cump\u0103ra?\">Uniswap<\/a> (UNI), <a href=\"https:\/\/coinkickoff.com\/ro\/pax-dollar-usdp\/\" data-internallinksmanager029f6b8e52c=\"97\" title=\"Ce este Pax Dollar (USDP)? Cum func\u021bioneaz\u0103 \u0219i de unde s\u0103 o cump\u0103ra\u021bi?\">Pax Dollar<\/a>, Gemini Dollar (GUSD) \u0219i <a href=\"https:\/\/coinkickoff.com\/ro\/infasurat-bitcoin-wbtc\/\" data-internallinksmanager029f6b8e52c=\"17\" title=\"Ce este Wrapped Bitcoin (WBTC)? Cum func\u021bioneaz\u0103 \u0219i de unde \u00eel pute\u021bi cump\u0103ra?\">Wrapped Bitcoin<\/a>, \u0219i alte c\u00e2teva. <\/b><span style=\"font-weight: 400;\">Acest lucru face ca DAI s\u0103 depind\u0103 aproape \u00een totalitate de alte c\u00e2teva proiecte de criptomonede. Dac\u0103 valoarea acestor token se pr\u0103bu\u0219e\u0219te, valoarea DAI poate sc\u0103dea \u0219i ea.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Din punct de vedere tehnic, contractele inteligente care opereaz\u0103 protocolul Maker sunt programate s\u0103 diminueze riscurile de devalorizare prin lichidarea garan\u021biilor. Cu toate acestea, DAI ar putea totu\u0219i s\u0103-\u0219i piard\u0103 valoarea dac\u0103 un token proeminent din rezervele sale s-ar pr\u0103bu\u0219i complet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu toate acestea, ar trebui s\u0103 observ\u0103m c\u0103 DAI a fost recent <\/span><b>a \u00eenceput s\u0103 achizi\u021bioneze active din lumea real\u0103 pentru a-\u0219i reduce dependen\u021ba de investi\u021biile \u00een cripto-monede.\u00a0<\/b><\/p>\n<p><b>Deoarece USDC este legat direct de USD, ar trebui s\u0103 r\u0103m\u00e2n\u0103 lichid at\u00e2ta timp c\u00e2t Cercul p\u0103streaz\u0103 suficiente rezerve de numerar pentru a sus\u021bine activul.<\/b><span style=\"font-weight: 400;\"> Cu toate acestea, trebuie remarcat faptul c\u0103 Circle nu p\u0103streaz\u0103 neap\u0103rat toate rezervele \u00een numerar, iar USDC ar putea s\u0103 nu mai fie valabil dac\u0103 nu exist\u0103 suficiente rezerve pentru a sus\u021bine token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acest lucru ne aduce la urm\u0103toarea mare diferen\u021b\u0103 \u00eentre aceste dou\u0103 active.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"State_of_Reserves\"><\/span><span style=\"font-weight: 400;\">Situa\u021bia rezervelor<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Rezervele stabilecoin sunt un subiect spinos \u00een general. De ani de zile, Tether, emitentul celor mai mari rezerve stabilecoin stabileUSDT din lume, a refuzat cu obstina\u021bie s\u0103 prezinte audituri publice, \u00een ciuda apelurilor autorit\u0103\u021bilor publice \u0219i oficiale \u0219i \u00een ciuda mai multor controverse privind garantarea activelor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cercul emitentului USDC nu este diferit. \u00cen loc de audituri oficiale, compania public\u0103 rapoarte de evaluare de la firme de contabilitate public\u0103. Din p\u0103cate, dup\u0103 cum au subliniat mul\u021bi critici, validitatea \u0219i amploarea rapoartelor sunt departe de a fi transparente \u0219i decisive. Prin urmare, <\/span><b>este imposibil s\u0103 se cunoasc\u0103 starea rezervelor USDC f\u0103r\u0103 audituri independente.<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Potrivit Circle, majoritatea rezervelor USDC constau \u00een <\/span><b>bonuri de tezaur pe termen scurt \u0219i echivalente de numerar.<\/b><\/p>\n<p><b>Rezervele DAI, pe de alt\u0103 parte, sunt mai transparente. Deoarece DAI este sus\u021binut de garan\u021bii criptografice \u0219i contracte inteligente, informa\u021biile privind rezervele sunt publice \u0219i pot fi accesate de oricine.\u00a0<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Governance\"><\/span><span style=\"font-weight: 400;\">Guvernan\u021b\u0103<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Acest aspect este pu\u021bin mai dificil, deoarece MakerDAO \u0219i Circle nu sunt foarte diferite \u00een ceea ce prive\u0219te guvernan\u021ba \u00een practic\u0103. \u00cen teorie, sunt destul de diferite. Haide\u021bi s\u0103 ilustr\u0103m mai \u00een detaliu ce vrem s\u0103 spunem.<\/span><\/p>\n<p><b>\u00cen teorie, MakerDAO este o organiza\u021bie autonom\u0103 descentralizat\u0103, ceea ce \u00eenseamn\u0103 c\u0103 DAI este administrat\u0103 de membrii comunit\u0103\u021bii Maker.<\/b><span style=\"font-weight: 400;\"> Membrii comunit\u0103\u021bii \u00ee\u0219i pot delega MKR token-urile lor (Maker Protocol governance tokens) unor reprezentan\u021bi care s\u0103 voteze \u00een numele lor cu privire la probleme critice legate de DAI \u0219i MakerDAO. A\u0219adar, \u00een teorie, DAI este destul de descentralizat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu toate acestea, la fel ca majoritatea celorlalte proiecte \"descentralizate\", <\/span><b>DAI este, de asemenea, destul de centralizat \u00een guvernarea sa, din cauza punerii \u00een comun a MKR token \u00een m\u00e2inile c\u00e2torva persoane. <\/b><span style=\"font-weight: 400;\">Printre aceste p\u0103r\u021bi interesate se num\u0103r\u0103 capitali\u0219tii de risc \u0219i fondatorii, precum \u0219i managerii DAI. Christensen, fondatorul MakerDao, de\u021bine o putere enorm\u0103 \u00een ecosistemul DAI.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De exemplu, \u00een 2022, MakerDAO a adoptat un plan controversat cu privire la viitorul stablecoin, datorit\u0103 participa\u021biilor MKR ale lui Christensen. Asta \u00eenseamn\u0103 c\u0103 deciziile privind proiectul sunt, de fapt, destul de centralizate.<\/span><\/p>\n<p><b>Pe de alt\u0103 parte, Circle, emitentul USDC, este o companie privat\u0103, centralizat\u0103. Prin urmare, compania controleaz\u0103 procesul de batere a USDC, precum \u0219i toate deciziile majore privind viitorul proiectului.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Market_Capitalization\"><\/span><span style=\"font-weight: 400;\">Capitalizarea pie\u021bei<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Cea mai mare diferen\u021b\u0103 \u00eentre USDC \u0219i DAI este valoarea lor de pia\u021b\u0103.<\/b> <b>USDC este al doilea cel mai mare stabilcoin dup\u0103 capitalizarea de pia\u021b\u0103. DAI, pe de alt\u0103 parte, este doar al patrulea.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">USDC este acceptat de majoritatea institu\u021biilor principale \u0219i poate fi tranzac\u021bionat cu aproape toate altcoins. DAI r\u0103m\u00e2ne uncoin stabil mai degrab\u0103 de ni\u0219\u0103 \u00een compara\u021bie cu USDC.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_Associated_With_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Riscuri asociate cu USDC \u0219i 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;\">Riscul de a-\u0219i pierde Peg-ul<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Principalul risc cu stablecoins este volatilitatea pre\u021bului. \u00cen anumite circumstan\u021be, coins stabile \u00ee\u0219i pot pierde fixarea pre\u021bului \u00een anumite circumstan\u021be, de obicei atunci c\u00e2nd rezervele lor sunt prea mici pentru a sus\u021bine num\u0103rul de token \u00een circula\u021bie.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Un astfel de scenariu este posibil \u00een cazul \u00een care societ\u0103\u021bile emitente nu p\u0103streaz\u0103 \u00een rezerve suficiente numerar \u0219i echivalente de numerar sau dac\u0103 rezervele sunt furate, pierdute sau sunt inaccesibile \u00een alt mod.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stablecoins poate s\u0103 se \u00eendep\u0103rteze pentru scurt timp de valoarea lor \u00een dolari, dar, de obicei, \u00ee\u0219i recupereaz\u0103 rapid punctul de pre\u021b. Cu toate acestea, \u00een cazul \u00een care un eveniment de de-pegging nu este urmat rapid de o recuperare, pre\u021bul poate sc\u0103dea \u00een spiral\u0103, declan\u0219\u00e2nd insolven\u021ba.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De obicei, acest lucru \u00eenseamn\u0103 c\u0103 stabilulcoin \u00een cauz\u0103 se va pr\u0103bu\u0219i complet, \u0219terg\u00e2nd valoarea sa \u00een dolari de pe pia\u021b\u0103 \u0219i l\u0103s\u00e2nd de\u021bin\u0103torii de token cu token-uri f\u0103r\u0103 valoare.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen cazul DAI \u0219i USDC, riscul de de-pegging poate fi agravat. Deoarece USDC reprezint\u0103 cea mai mare parte a garan\u021biilor DAI, astfel \u00eenc\u00e2t o problem\u0103 cu rezervele 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;\">ar putea, de asemenea, s\u0103 declan\u0219eze un eveniment de depegging pentru DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Deoarece at\u00e2t DAI, c\u00e2t \u0219i USDC sunt active populare \u00een DeFi, efectele unei pr\u0103bu\u0219iri a pre\u021burilor ar putea crea valuri pe \u00eentreaga pia\u021b\u0103 criptografic\u0103.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">S\u0103 analiz\u0103m c\u00e2teva exemple concrete de posibile probleme:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen 2023, Silvergate Bank (SVB), o institu\u021bie popular\u0103 \u00een r\u00e2ndul cripto-comercian\u021bilor, \u0219i-a declarat falimentul. La momentul respectiv, <\/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 de\u021binea aproximativ 3,3 miliarde de depozite din USDC<\/span><\/a><span style=\"font-weight: 400;\">, o sum\u0103 semnificativ\u0103 care constituie o parte generoas\u0103 din rezervele USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vestea falimentului SVB a f\u0103cut ca USDC s\u0103 piard\u0103 cursul \u00een dolari. \u00cen timp ce Circle s-a gr\u0103bit s\u0103 asigure investitorii c\u0103 dispune de fondurile necesare pentru a acoperi cele 3,3 miliarde de USD lips\u0103, evenimentul a scos la iveal\u0103 faptul c\u0103 p\u00e2n\u0103 \u0219i coins stabile bazate pe numerar sunt <\/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;\">vulnerabile la e\u0219ecurile pie\u021bei<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC s-a oprit din spiral\u0103 doar dup\u0103 ce autorit\u0103\u021bile de reglementare au intervenit pentru a anun\u021ba c\u0103 <\/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;\">deponen\u021bii vor avea din nou acces la fondurile lor<\/span><\/a><span style=\"font-weight: 400;\">. \u00cen mod normal, asigurarea de depozit FDIC acoper\u0103 doar p\u00e2n\u0103 la 250.000 USD, ceea ce este mult mai pu\u021bin dec\u00e2t depozitele de\u021binute la SVB.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bine\u00een\u021beles, de-peg-ul USDC ar fi afectat \u0219i DAI pe termen lung dac\u0103 activul nu \u0219i-ar fi putut recupera pre\u021bul de peg. Dar asta nu este tot. DAI este, de asemenea, garantat de diverse alte token, inclusiv de 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) reprezint\u0103 un risc poten\u021bial pentru DAI<\/span><\/a><span style=\"font-weight: 400;\"> pentru c\u0103 Gemenii \u00een\u0219i\u0219i au probleme serioase \u00een ceea ce prive\u0219te finan\u021bele lor. Gemini a pierdut \u00een jur de 900 de milioane USD dup\u0103 c\u0103derea companiei Genesis, care gestiona programul Gemini Earn. Dac\u0103 finan\u021bele Gemini e\u0219ueaz\u0103 \u0219i pre\u021burile GUSD scad, acest lucru ar putea pune \u0219i mai mult \u00een pericol rezervele de DAI.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Legal_and_Financial_Risks\"><\/span><span style=\"font-weight: 400;\">Riscuri juridice \u0219i financiare<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dup\u0103 cum am explicat, stablecoins sunt puncte de intrare \u0219i ie\u0219ire perfecte pe pia\u021ba cripto. Pute\u021bi cump\u0103ra stablecoins pe un exchange \u0219i le pute\u021bi trimite oriunde \u00een lume pentru a transfera sume mari de bani.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pe m\u0103sur\u0103 ce autorit\u0103\u021bile de reglementare devin din ce \u00een ce mai con\u0219tiente de modul \u00een care sunt utilizate stabilit\u0103\u021bilecoins, acestea devin tot mai precavate \u00een ceea ce prive\u0219te l\u0103sarea acestor active s\u0103 circule \u00een \u00eentreaga lume f\u0103r\u0103 reglementare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dup\u0103 cum \u0219ti\u021bi, principalul argument de v\u00e2nzare al cripto coins, cum ar fi Bitcoin (acum stabilcoins) este reprezentat de tranzac\u021biile rapide \u0219i f\u0103r\u0103 frontiere, f\u0103r\u0103 a fi afectate de birocra\u021bia costisitoare \u0219i consumatoare de timp a lumii bancare.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De\u0219i este o propunere atractiv\u0103, aceasta ignor\u0103 complet motivul pentru care sistemul bancar tradi\u021bional func\u021bioneaz\u0103 \u00een acest mod. B\u0103ncile folosesc diferite tipuri de reglement\u0103ri cu un motiv anume, \u0219i anume pentru a preveni sp\u0103larea de bani, finan\u021barea terorismului \u0219i alte activit\u0103\u021bi criminale.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen ultimii ani, autorit\u0103\u021bile au \u00eenceput s\u0103 urm\u0103reasc\u0103 modul \u00een care tranzac\u021biile stabilecoin sunt folosite pentru a transfera fonduri \u00een mod ilegal \u00eentre actori \u0219i iau m\u0103suri pentru a reglementa mai bine aceste active.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De exemplu, atunci c\u00e2nd Biroul de control al activelor str\u0103ine (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;\">a dispus o sanc\u021biune \u00eempotriva Tornado Cash<\/span><\/a><span style=\"font-weight: 400;\"> \u00een 2022, serviciile de schimburi criptografice au fost nevoite s\u0103 pun\u0103 pe lista neagr\u0103 mai multe portofele conectate la Tornado.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tornado Mixer este un serviciu de tranzac\u021bionare anonim\u0103 pentru acoperirea amprentelor digitale pe blockchain \u0219i poate fi folosit pentru a \u00eenc\u0103lca sanc\u021biunile OFAC \u0219i pentru sp\u0103larea de bani.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen urma ordinului, Circle a pus pe lista neagr\u0103 38 de adrese de portofele care de\u021bineau cel pu\u021bin 75.000 de USDC. Aceasta este o sum\u0103 relativ mic\u0103 pentru Circle (\u00een compara\u021bie cu SVB a de\u021binut 3,3 miliarde de USD), dar a ridicat totu\u0219i alarme \u00een ecosistemul criptografic cu privire la modul \u00een care reglement\u0103rile pot pune \u00een pericol investi\u021biile \u00een cripto.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen timp ce criptomonedele se comercializeaz\u0103 adesea ca fiind guvernate de cod, adev\u0103rul este c\u0103, pentru a func\u021biona, aceste servicii trebuie s\u0103 respecte regulile \u0219i reglement\u0103rile din lumea financiar\u0103.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where_Can_You_Buy_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">De unde pute\u021bi cump\u0103ra USDC \u0219i DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pute\u021bi achizi\u021biona USDC \u0219i DAI de pe aproape toate bursele de cripto-monede. Cele mai mari pie\u021be pentru DAI sunt <a href=\"https:\/\/coinkickoff.com\/ro\/binance-review\/\" data-internallinksmanager029f6b8e52c=\"152\" title=\"Binance Recenzii 2024: Caracteristici, taxe, siguran\u021b\u0103, argumente pro \u0219i contra\">Binance<\/a>, <a href=\"https:\/\/coinkickoff.com\/ro\/coinbase-review\/\" data-internallinksmanager029f6b8e52c=\"142\" title=\"Coinbase Recenzii 2024: Caracteristici, taxe, siguran\u021b\u0103, argumente pro \u0219i contra\">Coinbase<\/a>, Uniswap, \u0219i <a href=\"https:\/\/coinkickoff.com\/ro\/kraken-review\/\" data-internallinksmanager029f6b8e52c=\"171\" title=\"Kraken Recenzii 2023: Taxe, caracteristici, siguran\u021b\u0103, argumente pro \u0219i contra\">Kraken<\/a>. \u00cen mod similar, cele mai mari pie\u021be pentru USDC sunt Binance, Kraken, Uniswap, \u0219i <a href=\"https:\/\/coinkickoff.com\/ro\/kucoin-review\/\" data-internallinksmanager029f6b8e52c=\"153\" title=\"KuCoin Recenzii 2023: Taxe, siguran\u021b\u0103, pro \u0219i contra\">Kucoin<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cele mai multe burse centralizate v\u0103 permit s\u0103 cump\u0103ra\u021bi DAI \u0219i USDC cu valute fiat, cum ar fi USD sau EUR, prin intermediul metodelor bancare online, inclusiv transferuri bancare, carduri de credit \u0219i de debit \u0219i furnizori de pl\u0103\u021bi ter\u021be.<\/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\">Cele mai multe 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> Criptomonede listate<\/li><li><strong>&lt;0.10%<\/strong> Taxe de tranzac\u021bie<\/li><li><strong>120 de milioane de euro<\/strong> Utilizatori \u00eenregistra\u021bi<\/li><li>Fondul de active securizat pentru utilizatori<\/li><li>C\u00e2\u0219tig la depozite<\/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\">\u00cencepe\u021bi<\/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\">Cele mai multe \u021b\u0103ri<\/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>Cu sediul \u00een SUA<\/li><li>\u00cencepe\u021bi cu c\u00e2t mai pu\u021bin <strong>$10<\/strong><\/li><li>Cump\u0103ra\u021bi \u0219i vinde\u021bi <strong>200+<\/strong> criptomonede<\/li><li>Solu\u021bie Pro pentru comercian\u021bii mai mari<\/li><li>Disponibil \u00een <strong>190+<\/strong> \u021b\u0103ri<\/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\">\u00cencepe\u021bi<\/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\">Cu sediul \u00een SUA<\/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> Criptomonede listate<\/li><li>Ob\u021bine\u021bi Crypto dup\u0103 prima dvs. achizi\u021bie<\/li><li>Protejat de asigurare&nbsp;<\/li><li>Depozitare securizat\u0103 cu protec\u021bie Vault<\/li><li>Cea mai de \u00eencredere platform\u0103 de criptomonede<\/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\">\u00cencepe\u021bi<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">De asemenea, pute\u021bi ob\u021bine DAI prin blocarea garan\u021biei prin intermediul <\/span><a href=\"https:\/\/oasis.app\/borrow\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Portalul Oasis Vault<\/span><\/a><span style=\"font-weight: 400;\"> sau <\/span><a href=\"https:\/\/debank.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DeBank<\/span><\/a><span style=\"font-weight: 400;\"> \u0219i <\/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;\">Cum pute\u021bi schimba USDC cu DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pute\u021bi schimba USDC cu DAI pe majoritatea bursele de criptograme. Uniswap \u0219i Curve ofer\u0103 pie\u021be mari de USDC\/DAI, dar pute\u021bi verifica dac\u0103 bursa dvs. de criptomonede listeaz\u0103 perechile USDC\/DAI.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Future_Plans_for_Circle_and_DAI\"><\/span><span style=\"font-weight: 400;\">Planuri de viitor pentru Circle \u0219i DAI<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ordinul OFAC \u00eempotriva Tornado Mixer \u0219i falimentul Silvergate Bank (SVB) au fost evenimente importante at\u00e2t pentru USDC, c\u00e2t \u0219i pentru DAI. Viitorul ambelor active depinde de modul \u00een care persoanele responsabile de gestionarea acestor active vor r\u0103spunde la aceste obstacole.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MakerDAO a trecut mai multe planuri \u00een ultimele luni care ar putea \u00eensemna schimb\u0103ri uria\u0219e pentru stabilcoin. De fapt, dac\u0103 DAI va r\u0103m\u00e2ne un stabilcoin r\u0103m\u00e2ne o \u00eentrebare deschis\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">S\u0103 vedem mai \u00een detaliu planurile de viitor pentru DAI \u0219i USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen 2022, comunitatea MakerDAO a organizat un vot cu privire la planul controversat al lui Rune Christensen pentru viitorul DAI, denumit \"<\/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;\">Sf\u00e2r\u0219itul jocului<\/span><\/a><span style=\"font-weight: 400;\">.\" Christensen este un sus\u021bin\u0103tor fervent al \"finan\u021belor durabile\" \u0219i al ac\u021biunilor \u00eempotriva \u00eenc\u0103lzirii globale, iar planul \"endgame\" const\u0103 \u00een mai multe scenarii pentru a r\u0103spunde preocup\u0103rilor sale financiare \u0219i de mediu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Planul const\u0103 \u00een trei etape \u0219i o mul\u021bime de p\u0103r\u021bi mobile pe care comunitatea MakerDAO le poate pune \u00een aplicare \u00een timp.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Obiectivul pe termen scurt este de a c\u00e2\u0219tiga c\u00e2t mai mul\u021bi bani pentru a putea cump\u0103ra mai multe ETH pentru viitorul DAI. Deoarece DAI se bazeaz\u0103 deja pe Ethereum, sus\u021bine Christensen, are sens s\u0103 se parieze pe ETH mai degrab\u0103 dec\u00e2t pe USDC \u0219i altecoins stabile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Obiectivul pe termen lung este de a <\/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;\">sc\u0103derea rezervelor DAI USDC's USDC<\/span><\/a><span style=\"font-weight: 400;\"> pentru a asigura protec\u021bia rezervelor. Pe termen lung, planul prevede ca MakerDAO s\u0103 investeasc\u0103 \u00een active din lumea real\u0103 pentru a <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-approves-deployment-100m-usdc-184700831.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">diversificarea rezervelor DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Planul prevede cump\u0103rarea de propriet\u0103\u021bi imobiliare \u0219i de bunuri ale guvernului american \u0219i <\/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;\">obliga\u021biuni corporative<\/span><\/a><span style=\"font-weight: 400;\"> pentru a avea protec\u021bie \u00eempotriva instabilit\u0103\u021bii criptografice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen etapa final\u0103, planul presupune scoaterea DAI din USD pentru ca acesta s\u0103 devin\u0103 un activ flotant. Acest lucru depinde de alte c\u00e2teva condi\u021bii, dar r\u0103m\u00e2ne o posibilitate real\u0103 \u00een viitor, \u00een func\u021bie de modul \u00een care se dezvolt\u0103 economia criptografic\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle, pe de alt\u0103 parte, a adoptat o abordare diferit\u0103 pentru mai mult\u0103 stabilitate. Tarleton Watkins, de la Circle, a sugerat c\u0103 ar fi mai bine ca firma stabil\u0103coin s\u0103 poat\u0103 <\/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;\">de\u021bin rezerve \u00een dolari la Fed<\/span><\/a><span style=\"font-weight: 400;\"> \u00een locul unor b\u0103nci precum SVB. Denumit modelul de rezerv\u0103 integral\u0103 a Fed, acesta ar garanta siguran\u021ba fondurilor de rezerv\u0103 f\u0103r\u0103 riscul de faliment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Falimentul SVB a scos la iveal\u0103 o ironie amar\u0103 \u00een inima cripto: Criptomoneda a fost c\u00e2ndva salutat\u0103 ca o ruptur\u0103 cu institu\u021biile financiare tradi\u021bionale, precum b\u0103ncile. Bitcoin a fost lansat\u0103 \u00een mod faimos ca un strig\u0103t de lupt\u0103 \u00eempotriva sistemului bancar falimentar care \u0219i-a desc\u0103rcat problemele pe seama publicului, f\u0103c\u00e2ndu-l s\u0103 pl\u0103teasc\u0103 pentru gre\u0219elile institu\u021biilor bancare falimentare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu toate acestea, ultima criz\u0103 cu SVB \u0219i USDC arat\u0103 c\u0103 lucrurile nu sunt at\u00e2t de simple.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC a reu\u0219it s\u0103 \u00ee\u0219i rec\u00e2\u0219tige nivelul de 1 USD numai dup\u0103 ce Federal Reserve \u0219i Departamentul Trezoreriei au eliminat limita de acoperire FDIC pentru SVB. Rezerva Federal\u0103 a lansat un nou program de finan\u021bare la termen a b\u0103ncilor pentru a atenua posibilele pierderi cauzate de falimentul SVB, pe care Departamentul de Trezorerie al SUA \u00eel sprijin\u0103 cu un fond de 25 de milioane de USD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen ciuda problemelor aparente cu autorit\u0103\u021bile, autorit\u0103\u021bile de reglementare s-ar putea dovedi a fi salvatorii cripto pe termen lung.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>coins stabile, cum ar fi USDC \u0219i DAI, sunt ancorate la USD unu la unu, ceea ce \u00eenseamn\u0103 c\u0103 au pre\u021buri stabile. Datorit\u0103 acestui fapt, ele pot fi folosite pentru a cump\u0103ra \u0219i tranzac\u021biona alte criptomonede sau pentru a investi \u00een proiecte DeFi. \u00cen aceast\u0103 recenzie USDC vs DAI, vom explica diferen\u021bele dintre cele dou\u0103 stabilecoins \u0219i vom enumera riscurile \u0219i beneficiile tranzac\u021bion\u0103rii [...]<\/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\/ro\/author\/ianw\/"},"_links":{"self":[{"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/posts\/3389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/comments?post=3389"}],"version-history":[{"count":3,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/posts\/3389\/revisions"}],"predecessor-version":[{"id":4311,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/posts\/3389\/revisions\/4311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/media\/2920"}],"wp:attachment":[{"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/media?parent=3389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/categories?post=3389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/tags?post=3389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}