{"id":3765,"date":"2023-05-31T10:49:44","date_gmt":"2023-05-31T10:49:44","guid":{"rendered":"https:\/\/coinkickoff.com\/?p=3765"},"modified":"2026-01-08T14:14:54","modified_gmt":"2026-01-08T14:14:54","slug":"usdc-vs-frax","status":"publish","type":"post","link":"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/","title":{"rendered":"USDC vs FRAX"},"content":{"rendered":"<h1><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-290 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/08\/Frax-Crypto.jpg\" alt=\"USDC vs FRAX\" width=\"1000\" height=\"533\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/08\/Frax-Crypto.jpg 1000w, https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/08\/Frax-Crypto-300x160.jpg 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/08\/Frax-Crypto-768x409.jpg 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/08\/Frax-Crypto-18x10.jpg 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/h1>\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-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#USDC_vs_FRAX\" >USDC vs FRAX<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#The_History_of_USDC_and_FRAX\" >Istoria USDC \u0219i FRAX<\/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-frax\/#How_Do_USDC_and_FRAX_Work\" >Cum func\u021bioneaz\u0103 USDC \u0219i FRAX?<\/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-frax\/#What_Are_the_Main_Use_Cases_of_USDC_and_FRAX\" >Care sunt principalele cazuri de utilizare a USDC \u0219i FRAX?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#USDC_and_FRAX_Price_History\" >Istoric pre\u021b USDC \u0219i FRAX<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#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-7\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#FRAX_Price_History\" >FRAX Istoric pre\u021b FRAX<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#USDC_and_FRAX_Market_Cap\" >Cap. de pia\u021b\u0103 USDC \u0219i FRAX<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#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-10\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#FRAX_Market_Cap\" >CAP de pia\u021b\u0103 FRAX<\/a><\/li><\/ul><\/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-frax\/#USDC_vs_FRAX_Main_Similarities\" >USDC vs FRAX: Principalele asem\u0103n\u0103ri\u00a0<\/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-frax\/#DeFi_Rewards\" >Recompense DeFi\u00a0<\/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-frax\/#Centralization\" >Centralizare\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#USDC_vs_FRAX_Main_Differences\" >USDC vs FRAX: Principalele diferen\u021be\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#Collaterals\" >Colaterale<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#Reserves\" >Rezerve<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#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-18\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#Risks_Associated_With_USDC_and_FRAX\" >Riscuri asociate cu USDC \u0219i FRAX\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#Risk_of_Depegging\" >Riscul de depravare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#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-21\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#Where_Can_You_Buy_USDC_and_FRAX\" >De unde pute\u021bi cump\u0103ra USDC \u0219i FRAX?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#How_Can_You_Exchange_USDC_for_FRAX\" >Cum pute\u021bi schimba USDC cu FRAX?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/coinkickoff.com\/ro\/usdc-vs-frax\/#Future_Plans_for_USDC_and_FRAX\" >Planuri de viitor pentru USDC \u0219i FRAX<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"USDC_vs_FRAX\"><\/span><span style=\"font-weight: 400;\">USDC vs FRAX<\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Pe h\u00e2rtie, <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\/frax-crypto-frax\/\" data-internallinksmanager029f6b8e52c=\"51\" title=\"Ce este Frax Crypto (FRAX)? Cum func\u021bioneaz\u0103 \u0219i de unde s\u0103 o cump\u0103ra\u021bi?\">FRAX<\/a> sunt destul de asem\u0103n\u0103toare: sunt stabilecoins legate de dolarul american. Cu toate acestea, ele au diferen\u021be importante pe care ar trebui s\u0103 le cunoa\u0219te\u021bi \u00eenainte de a cump\u0103ra oricare dintre ele coin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen acest articol, compar\u0103m USDC \u0219i Frax pentru a v\u0103 ajuta s\u0103 \u00een\u021belege\u021bi riscurile \u0219i beneficiile investi\u021biei \u00een aceste coins stabile. F\u0103r\u0103 alte introduceri, iat\u0103 recenzia noastr\u0103 USDC vs FRAX.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_History_of_USDC_and_FRAX\"><\/span><span style=\"font-weight: 400;\">Istoria USDC \u0219i FRAX<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Emis de <a href=\"https:\/\/coinkickoff.com\/ro\/coinbase-review\/\">Coinbase<\/a>, una dintre cele mai mari <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> din lume, iar Circle Consortium, USDC este a doua cea mai mare companie stabil\u0103coin din lume dup\u0103 capitalizarea de pia\u021b\u0103.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">USDC a fost lansat pentru prima dat\u0103 \u00een 2018 ca o alternativ\u0103 reglementat\u0103 \u0219i cu sediul \u00een SUA la <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?\">USDT<\/a>, primul \u0219i cel mai de succes stabilcoin din lume. Acest activ trebuia s\u0103 fie <\/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;\">garantate cu dolari americani \u00een b\u0103nci asigurate la nivel federal<\/span><\/a><span style=\"font-weight: 400;\">, de\u0219i Circle a recunoscut \u00een cele din urm\u0103 c\u0103 <\/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;\">USDC rezervele nu erau constituite \u00een \u00eentregime din numerar<\/span><\/a><span style=\"font-weight: 400;\"> \u00een 2020.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Desigur, nici m\u0103car p\u0103strarea rezervelor \u00een conturi bancare nu este o solu\u021bie perfect\u0103, a\u0219a cum a devenit evident \u00een 2023, c\u00e2nd <\/span><a href=\"https:\/\/www.reuters.com\/business\/crypto-firm-circle-reveals-33-bln-exposure-silicon-valley-bank-2023-03-11\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Silvergate Bank \u0219i-a declarat falimentul<\/span><\/a><span style=\"font-weight: 400;\">. Circle avea la acea vreme USDC \u00een valoare de 3,3 miliarde de dolari la Silvergate Bank \u0219i a suferit o ruptur\u0103 de peg odat\u0103 ce vestea a ajuns la standuri.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC \u0219i-a revenit rapid la 1 USD peg odat\u0103 ce Circle \u0219i FDIC au anun\u021bat c\u0103 conturile Silvergate vor fi acoperite \u0219i c\u0103 clien\u021bii nu vor suferi pierderi.<\/span><\/p>\n<p><b>Frax a fost lansat \u00een 2020. Este emis\u0103 de Frax Finance, o companie DeFi.<\/b><span style=\"font-weight: 400;\"> De\u0219i a fost destul de popular c\u00e2nd a fost lansat, a pierdut ceva teren \u00een fa\u021ba altor proiecte stabilecoin din cauza mecanismului s\u0103u riscant de fixare care depinde par\u021bial de algoritmi.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_USDC_and_FRAX_Work\"><\/span><span style=\"font-weight: 400;\">Cum func\u021bioneaz\u0103 USDC \u0219i FRAX?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dac\u0103 \u0219ti\u021bi cum func\u021bioneaz\u0103 stablecoins, ave\u021bi deja o idee despre cum func\u021bioneaz\u0103 FRAX \u0219i USDC. Aceste stablecoins pot fi schimbate \u00een orice moment cu 1 USD, deoarece pre\u021bul lor este stabil, de unde \u0219i denumirea de stablecoins.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dar cum reu\u0219esc s\u0103 men\u021bin\u0103 pre\u021bul fix la 1 USD? Ei bine, USDC o face \u00een mod clasic. P\u0103streaz\u0103 o rezerv\u0103 format\u0103 din active precum numerar, efecte comerciale \u0219i obliga\u021biuni care garanteaz\u0103 c\u0103 USDC Issuer Circle poate oric\u00e2nd s\u0103 r\u0103scumpere USDC de la dumneavoastr\u0103 la 1 USD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u0103 pute\u021bi g\u00e2ndi la ea ca la o banc\u0103. Pui banii \u00een banc\u0103, sco\u021bi cripto, iar dac\u0103 nu mai ai nevoie de cripto, \u00eei schimbi \u00eenapoi pentru bani.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Frax difer\u0103 de coins stabil, precum USDC \u0219i USDT, \u00een dou\u0103 moduri. \u00cen primul r\u00e2nd, nu este sus\u021binut de numerar sau de echivalente de numerar, ci de alte criptomonede, precum USDC. Dvs. \u00eei da\u021bi companiei emitente coins-ul dvs., iar aceasta v\u0103 d\u0103 FRAX. C\u00e2nd v\u0103 dori\u021bi coins \u00eenapoi, ei cump\u0103r\u0103 FRAX de la dumneavoastr\u0103 cu aceste rezerve criptografice. Cu alte cuvinte, este dependent de alte active cripto.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru a bate FRAX, trebuie s\u0103 garanta\u021bi un mix de criptomonede, inclusiv propria guvernan\u021b\u0103 nativ\u0103 a Frax Finance, token. Trebuie s\u0103 bloca\u021bi o anumit\u0103 cantitate de <a href=\"https:\/\/coinkickoff.com\/ro\/frax-share-crypto-fxs\/\" data-internallinksmanager029f6b8e52c=\"94\" title=\"Ce este Frax Share Crypto (FXS)? Pre\u021b \u0219i unde s\u0103 o cumperi\">FXS<\/a> \u00eempreun\u0103 cu un alt cripto coin ca \u0219i USDC pentru a pune m\u00e2na pe FRAX.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dup\u0103 cum v\u0103 pute\u021bi imagina, acest lucru introduce un element suplimentar de risc \u00een acest proces: \u00cen cazul \u00een care criptomonedele care sus\u021bin FRAX \u00ee\u0219i pierd valoarea, compania nu mai poate garanta 1 USD peg pentru FRAX. Pentru a atenua acest risc, FRAX folose\u0219te un algoritm pentru a decide cursul de schimb \u00eentre garan\u021biile cripto \u0219i FRAX. Astfel, FRAX este un coin semi-algoritmic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu toate acestea, dependen\u021ba FRAX de FXS este un alt punct slab. De exemplu, dac\u0103 cump\u0103ra\u021bi 1 FRAX prin blocarea a 0,50 USD \u00een valoare de USDC \u0219i 0,50 USD \u00een valoare de FXS, valoarea activului dumneavoastr\u0103 este legat\u0103 de valoarea at\u00e2t a USDC, c\u00e2t \u0219i a FXS. \u00cen mod ideal, valoarea FXS ar trebui s\u0103 creasc\u0103 odat\u0103 cu cre\u0219terea popularit\u0103\u021bii FRAX, dar, din punct de vedere istoric, s-a \u00eent\u00e2mplat exact invers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu alte cuvinte, spre deosebire de USDC, FRAX este subcolateralizat. Aceasta \u00eenseamn\u0103 c\u0103 rezervele care sus\u021bin FRAX nu sunt suficiente pentru a asigura complet stabilitatea pre\u021bului FRAX.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Main_Use_Cases_of_USDC_and_FRAX\"><\/span><span style=\"font-weight: 400;\">Care sunt principalele cazuri de utilizare a USDC \u0219i FRAX?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Unul dintre principalele cazuri de utilizare a stablecoins este transferul instantaneu de valori: Pute\u021bi trimite mii de dolari oricui din lume, pur \u0219i simplu cump\u0103r\u00e2nd USDC \u0219i trimi\u021b\u00e2ndu-i \u00een conturile acestora. Trimiterea de USDC este mult mai rapid\u0103 dec\u00e2t transferul de bani, mai ales atunci c\u00e2nd efectua\u021bi tranzac\u021bii transfrontaliere.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fiind al doilea cel mai mare stabilcoin din lume, USDC are \u0219i alte c\u00e2teva cazuri de utilizare: Multe burse criptografice opereaz\u0103 pie\u021be USDC pentru diverse alte coins, denomin\u00e2nd pre\u021burile coin \u00een USDC. <\/span><b>Aceasta \u00eenseamn\u0103 c\u0103 pute\u021bi tranzac\u021biona majoritatea celorlalte criptomonede cu USDC.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Un alt beneficiu al USDC este utilitatea sa ca produs de investi\u021bii DeFi. <\/span><b>V\u0103 pute\u021bi bloca USDC \u00een fondurile DeFi pentru a ob\u021bine un venit pasiv din fondurile dumneavoastr\u0103.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">FRAX nu este la fel de util ca USDC \u00een aceste aspecte. Este considerabil mai greu de transferat valoare cu FRAX din cauza capitaliz\u0103rii reduse a pie\u021bei \u0219i a caracterului s\u0103u insuficient colateralizat. Cele mai multe burse de criptomonede nu opereaz\u0103 nici pie\u021bele FRAX\/USD.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu toate acestea, popularitatea FRAX a crescut u\u0219or \u00een 2023, deoarece emitentul ofer\u0103 mai multe servicii, inclusiv miz\u0103 \u0219i grupuri de \u00eemprumut pentru acest activ. Unul dintre cele mai populare servicii pe care le ofer\u0103 este cel de <\/span><a href=\"https:\/\/docs.frax.finance\/frax-ether\/overview\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Eter Frax<\/span><\/a><span style=\"font-weight: 400;\"> de fonduri comune, unde utilizatorii pot c\u00e2\u0219tiga dob\u00e2nzi 6-10% pentru <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> depozite.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_and_FRAX_Price_History\"><\/span><span style=\"font-weight: 400;\">Istoric pre\u021b USDC \u0219i FRAX<\/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<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3761 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.24-PM-e1685527934221.png\" alt=\"\" width=\"637\" height=\"522\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.24-PM-e1685527934221.png 637w, https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.24-PM-e1685527934221-300x246.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.24-PM-e1685527934221-15x12.png 15w\" sizes=\"auto, (max-width: 637px) 100vw, 637px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Dup\u0103 cum pute\u021bi vedea, 1 1 USDC valoreaz\u0103 $1. Cu toate acestea, USDC \u0219i-a rupt pentru scurt timp paritatea \u00een 2023 din cauza ve\u0219tii despre falimentul Silvergate Bank. Pre\u021bul USDC \u0219i-a revenit rapid dup\u0103 ce s-a anun\u021bat c\u0103 acoperirea FDIC a b\u0103ncii va fi extins\u0103 pentru a proteja rezervele USDC.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"FRAX_Price_History\"><\/span><span style=\"font-weight: 400;\">FRAX Istoric pre\u021b FRAX<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2929 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/frax-price-history.png\" alt=\"istoricul pre\u021burilor frax\" width=\"977\" height=\"633\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/frax-price-history.png 977w, https:\/\/coinkickoff.com\/wp-content\/uploads\/frax-price-history-300x194.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/frax-price-history-768x498.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/frax-price-history-18x12.png 18w\" sizes=\"auto, (max-width: 977px) 100vw, 977px\" \/><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Frax valoreaz\u0103 \u00een jur de 1 USD, de\u0219i au existat momente \u00een care pre\u021bul a crescut \u0219i a sc\u0103zut. Fluctua\u021biile de pre\u021b pot fi atribuite cre\u0219terilor sau sc\u0103derilor bru\u0219te ale cererii.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_and_FRAX_Market_Cap\"><\/span><span style=\"font-weight: 400;\">Cap. de pia\u021b\u0103 USDC \u0219i FRAX<\/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-3760 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.47-PM-e1685527982119.png\" alt=\"\" width=\"644\" height=\"590\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.47-PM-e1685527982119.png 644w, https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.47-PM-e1685527982119-300x275.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.09.47-PM-e1685527982119-13x12.png 13w\" sizes=\"auto, (max-width: 644px) 100vw, 644px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">USDC a pierdut o parte din cota de pia\u021b\u0103 \u00een primul trimestru al anului 2023, cel mai probabil din cauza ve\u0219tilor despre falimentul Silvergate. Cu toate acestea, \u00een ciuda pierderilor, activul r\u0103m\u00e2ne \u00een continuare al doilea cel mai popular stabilcoin de pe pia\u021b\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exist\u0103<\/span><b> aproximativ 29 de miliarde de USDC tokens <\/b><a href=\"https:\/\/coinmarketcap.com\/currencies\/tether\/\" target=\"_blank\" rel=\"noopener\"><b>\u00een circula\u021bie<\/b><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nu exist\u0103 o limit\u0103 superioar\u0103 prestabilit\u0103 pentru USDC. Cercul \u0219i organiza\u021biile asociate cu acredit\u0103rile corespunz\u0103toare pot bate mai multe USDC token at\u00e2ta timp c\u00e2t exist\u0103 o cerere pentru acestea. Atunci c\u00e2nd cererea scade, iar oamenii v\u00e2nd USDC pentru USD sau alte token, surplusul de USDC token este ars.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC este emis pe Ethereum, <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>, <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>, \u0219i <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> blockchains, \u0219i pute\u021bi accesa, de asemenea <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> USDC \u00een re\u021beaua Tron.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"FRAX_Market_Cap\"><\/span><span style=\"font-weight: 400;\">CAP de pia\u021b\u0103 FRAX<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3766 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.44.24-PM-e1685529918938.png\" alt=\"\" width=\"723\" height=\"540\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.44.24-PM-e1685529918938.png 723w, https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.44.24-PM-e1685529918938-300x224.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/Screen-Shot-2023-05-31-at-1.44.24-PM-e1685529918938-16x12.png 16w\" sizes=\"auto, (max-width: 723px) 100vw, 723px\" \/><\/p>\n<p><a href=\"https:\/\/coinmarketcap.com\/currencies\/usd-coin\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">FRAX<\/span><\/a><span style=\"font-weight: 400;\">, c\u00e2ndva unul dintre cele mai bune stabilecoins \u00een circula\u021bie, \u0219i-a pierdut popularitatea dup\u0103 c\u0103derea lui <a href=\"https:\/\/coinkickoff.com\/ro\/terra-luna\/\" data-internallinksmanager029f6b8e52c=\"4\" title=\"Ce a fost Terra (LUNA)? Cum a func\u021bionat?\">Terra<\/a> <a href=\"https:\/\/coinkickoff.com\/ro\/terrausd-ust\/\" data-internallinksmanager029f6b8e52c=\"15\" title=\"Ce a fost TerraUSD (UST)? Cum a func\u021bionat?\">UST<\/a>. Fiind un coin par\u021bial algoritmic sus\u021binut de USDC, este considerat mai pu\u021bin util \u0219i mai pu\u021bin fiabil \u00een compara\u021bie cu alte op\u021biuni de pe pia\u021b\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exist\u0103 aproximativ 1 miliard de FRAX pe pia\u021b\u0103. Valoarea de pia\u021b\u0103 este destul de mic\u0103 \u00een compara\u021bie cu USDC. Ca s\u0103 fim corec\u021bi, foarte pu\u021bini oameni se abat de la USDT, USDC \u0219i <a href=\"https:\/\/coinkickoff.com\/ro\/binance-usd-busd\/\" data-internallinksmanager029f6b8e52c=\"13\" title=\"Ce este Binance USD (BUSD)? Pre\u021b, istoric \u0219i unde se poate cump\u0103ra\">BUSD<\/a> atunci c\u00e2nd vine vorba de stablecoins, astfel \u00eenc\u00e2t popularitatea sc\u0103zut\u0103 a lui Frax nu este anormal\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La fel ca \u0219i \u00een cazul altor stabilcoins, nu exist\u0103 o limit\u0103 stabilit\u0103 pentru FRAX. Pute\u021bi bate mai multe FRAX prin blocarea garan\u021biilor \u00een contracte inteligente. Trebuie s\u0103 bloca\u021bi FXS token \u00eempreun\u0103 cu o alt\u0103 criptomoned\u0103 acceptat\u0103 (\u00een principal USDC) pentru a bate FRAX.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FRAX nu are propriul blockchain \u0219i este emis pe Ethereum.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_FRAX_Main_Similarities\"><\/span><span style=\"font-weight: 400;\">USDC vs FRAX: <\/span><span style=\"font-weight: 400;\">Principalele asem\u0103n\u0103ri\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Principala asem\u0103nare \u00eentre USDC \u0219i FRAX este c\u0103 ambele sunt stabilecoins legate de USD. Iat\u0103 alte c\u00e2teva asem\u0103n\u0103ri \u00eentre ele.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DeFi_Rewards\"><\/span><span style=\"font-weight: 400;\">Recompense DeFi\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Stabilecoins sunt active DeFi populare, dar, de\u0219i at\u00e2t USDC, c\u00e2t \u0219i FRAX sunt destul de populare, exist\u0103 o diferen\u021b\u0103 important\u0103 \u00een ceea ce prive\u0219te raza de ac\u021biune pe pia\u021b\u0103: \u00cen timp ce pute\u021bi utiliza USDC \u00een aproape toate protocoalele DeFi, FRAX ofer\u0103 mult mai pu\u021bine oportunit\u0103\u021bi de a ob\u021bine venituri pasive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ca s\u0103 simplific\u0103m, pute\u021bi s\u0103 bloca\u021bi USDC \u00een majoritatea bazinelor pentru un randament decent. Frax v\u0103 permite s\u0103 paria\u021bi Ether \u00een schimbul frxEther, pe care \u00eel pute\u021bi paria \u00een tdrxEther al lui Frax \u00eentr-un pool pentru profituri.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e2nd vine vorba de recompensele DeFi, putem spune c\u0103 FRAX nu are aceea\u0219i cerere ca USDC.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Centralization\"><\/span><span style=\"font-weight: 400;\">Centralizare\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">S-ar putea s\u0103 v\u0103 surprind\u0103, dar, \u00een ciuda etichetei sale de \"organiza\u021bie autonom\u0103 descentralizat\u0103\", Frax Finance nu este de fapt foarte descentralizat\u0103 \u0219i, de fapt, poate fi considerat\u0103 un proiect centralizat, la fel ca USDC. De ce?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ei bine, din mai multe motive. Dup\u0103 cum mul\u021bi dintre voi \u0219ti\u021bi, atunci c\u00e2nd un proiect criptografic este centralizat, \u00eenseamn\u0103 c\u0103 exist\u0103 c\u00e2teva persoane care iau decizii cruciale cu privire la coin \u0219i la viitorul s\u0103u. Emitentul USDC, de exemplu, Circle Consortium, este o organiza\u021bie centralizat\u0103 cu diferite p\u0103r\u021bi interesate. Este un pic mai descentralizat \u00een compara\u021bie cu alte coins, dar este \u00eenc\u0103 departe de a fi un proiect autonom, condus de o comunitate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Frax Finance este, de asemenea, controlat\u0103 de c\u00e2teva persoane, ceea ce nu este surprinz\u0103tor. Administratorii FRAX au acces privilegiat la protocol, iar un <\/span><a href=\"https:\/\/code4rena.com\/reports\/2022-09-frax\/#h-02-frontrunning-by-malicious-validator\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">audit de securitate<\/span><\/a><span style=\"font-weight: 400;\"> \u00een 2022 a scos la iveal\u0103 mai multe defecte \u00een protocolul proiectului, care sunt incompatibile cu imaginea descentralizat\u0103 a FRAX.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">S-a descoperit c\u0103 validatorii selecta\u021bi pot fi numi\u021bi de administratori, care, \u00een schimb, pot exploata re\u021beaua \u00een beneficiul lor. Ace\u0219ti administratori pot bate moned\u0103 pe frxETH nelimitat, dac\u0103 ar vrea.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_FRAX_Main_Differences\"><\/span><span style=\"font-weight: 400;\">USDC vs FRAX: <\/span><span style=\"font-weight: 400;\">Principalele diferen\u021be\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Ambele stabilecoins promit o garan\u021bie de pre\u021b: FRAX \u0219i USDC ar trebui s\u0103 fie \u00eentotdeauna \u00een valoare de 1 USD. Cu toate acestea, ele au metode diferite de a \u00eendeplini aceast\u0103 promisiune.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Collaterals\"><\/span><span style=\"font-weight: 400;\">Colaterale<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">USDC \u0219i Frax utilizeaz\u0103 diferite tipuri de colaterale pentru a-\u0219i garanta leg\u0103turile cu USD.\u00a0<\/span><\/p>\n<p><b>USDC este un activ garantat \u00een totalitate. Este sus\u021binut de numerar \u0219i de echivalente de numerar, astfel \u00eenc\u00e2t fiecare USDC \u00een circula\u021bie poate fi schimbat pentru un dolar.<\/b><\/p>\n<p><b>FRAX, pe de alt\u0103 parte, este subcolateralizat cu USDC. Astfel, pute\u021bi ob\u021bine o jum\u0103tate de USDC pentru fiecare FRAX pe care \u00eel ave\u021bi, plus c\u00e2teva FXS.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Reserves\"><\/span><span style=\"font-weight: 400;\">Rezerve<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cenc\u0103 de la \u00eenceput, am subliniat c\u0103 este important ca stablecoins s\u0103 fie garantat unu la unu cu active de tip cash pentru a preveni depegging-ul.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Deoarece USDC este garantat de numerar \u0219i echivalente de numerar, rezervele USDC sunt p\u0103strate \u00een b\u0103nci. Aceasta este, \u00een general, o op\u021biune mai sigur\u0103 \u00een compara\u021bie cu alte op\u021biuni de rezerv\u0103, cum ar fi rezervele de criptomonede, deoarece furtul \u0219i pierderea criptomonedelor sunt mai frecvente dec\u00e2t pierderea banilor \u00eentr-o banc\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu toate acestea, \u0219i b\u0103ncile pot da gre\u0219. Este exact ceea ce s-a \u00eent\u00e2mplat la USDC cu Silvergate Bank, proiectul fiind aproape s\u0103 piard\u0103 3,3 miliarde USD dup\u0103 ce banca a declarat falimentul.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dar cuv\u00e2ntul cheie aici este <\/span><b>aproape<\/b><span style=\"font-weight: 400;\">. Circle a reu\u0219it s\u0103 \u00ee\u0219i recupereze rezervele de USDC datorit\u0103 interven\u021biei guvernului pentru a extinde acoperirea FDIC peste limita predeterminat\u0103 de 250.000 USD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Desigur, ceea ce \u0219tim despre rezervele USDC se limiteaz\u0103 \u00een mare parte la ceea ce spune Circle. F\u0103r\u0103 un audit independent, este imposibil s\u0103 fim 100% siguri \u00een privin\u021ba sus\u021binerii financiare a USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FRAX, pe de alt\u0103 parte, este sus\u021binut de USDC, dar, \u00eentruc\u00e2t este algoritmic \u0219i subcolateralizat, nici m\u0103car nu este sus\u021binut \u00een totalitate. Singurul s\u0103u avantaj fa\u021b\u0103 de USDC este c\u0103 pute\u021bi urm\u0103ri rezervele USDC ale FRAX, ceea ce, din punct de vedere tehnic, adaug\u0103 un pic mai mult\u0103 transparen\u021b\u0103 la FRAX.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acestea fiind spuse, av\u00e2nd \u00een vedere ceea ce \u0219tim despre c\u00e2t de centralizat poate fi FRAX, transparen\u021ba poate fi o iluzie. Deoarece administratorii de\u021bin privilegii speciale \u00een re\u021beaua Frax Finance, ace\u0219tia pot, de asemenea, s\u0103 manipuleze contractele inteligente.<\/span><\/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><span style=\"font-weight: 400;\">V\u0103 aminti\u021bi c\u0103 am spus c\u0103 USDC are mai multe cazuri de utilizare? Ei bine, asta pentru c\u0103 USDC este un coin foarte lichid, cu o capitalizare de pia\u021b\u0103 uria\u0219\u0103. Practic, USDC este util pentru c\u0103 at\u00e2t de mul\u021bi al\u021bi oameni \u00eel folosesc ca mijloc de valoare. La urma urmei, este al doilea cel mai marecoin stabil din lume.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FRAX, pe de alt\u0103 parte, este un pe\u0219te foarte mic \u00een piscina stabil\u0103coin. Nu se situeaz\u0103 \u00een primele zece locuri \u00een ceea ce prive\u0219te raza de ac\u021biune pe pia\u021b\u0103, ca s\u0103 nu mai vorbim de faptul c\u0103 se apropie de USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Trebuie spus c\u0103 FRAX este o ad\u0103ugire mai nou\u0103 \u00een lumea stablecoin. USDC a intrat pe pia\u021b\u0103 cu doi ani \u00eenainte de FRAX, deci are un avantaj \u00een timp. Este posibil ca pr\u0103bu\u0219irea Terra UST s\u0103 fi redus, de asemenea, raza de ac\u021biune a FRAX pe pia\u021b\u0103, deoarece oamenii au devenit varia\u021bi \u00een privin\u021ba coins algoritmice dup\u0103 e\u0219ecul s\u0103u colosal.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_Associated_With_USDC_and_FRAX\"><\/span><span style=\"font-weight: 400;\">Riscuri asociate cu USDC \u0219i FRAX\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Risk_of_Depegging\"><\/span><span style=\"font-weight: 400;\">Riscul de depravare<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Atunci c\u00e2nd un stabilcoin ancorat la USD se depeg\u0103te\u0219te, fie scade sub, fie cre\u0219te peste pre\u021bul s\u0103u garantat de 1 USD.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen timp ce u\u0219oarele fluctua\u021bii de pre\u021b sunt considerate normale din cauza cre\u0219terilor \u0219i sc\u0103derilor bru\u0219te ale cererii stabile decoin, un de-peg este un eveniment mai semnificativ. De-peg-urile semnific\u0103 o schimbare mare a pre\u021bului, iar stabilizarea pre\u021bului fie dureaz\u0103 ceva timp, fie nu are loc niciodat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen cazul \u00een care uncoin stabil se devalorizeaz\u0103 \u0219i scade \u00een spiral\u0103, coin devine aproape lipsit de valoare. Prin urmare, de-pegging-ul reprezint\u0103 un risc serios pentru stablecoins.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00centotdeauna exist\u0103 un anumit risc de de-pegging cu activele stabilecoin, de\u0219i USDC \u0219i FRAX se confrunt\u0103 cu acest risc \u00een mod diferit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC ar putea s\u0103 se deregleze din cauza unei pierderi bru\u0219te de rezerve, ceea ce s-a \u00eent\u00e2mplat \u00een primul trimestru al anului 2023, c\u00e2nd vestea falimentului Silvergate a devenit public\u0103. Evenimentul de-peg a fost de scurt\u0103 durat\u0103, dar a costat totu\u0219i USDC o bun\u0103 parte din cota sa de pia\u021b\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen cazul \u00een care USDC se de-peg\u0103te\u0219te definitiv, acest lucru va afecta \u0219i pegul FRAX, deoarece rezervele FRAX sunt constituite din USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pe de alt\u0103 parte, FRAX ar putea, de asemenea, s\u0103 se pr\u0103bu\u0219easc\u0103 sau s\u0103 se deregleze datorit\u0103 structurii sale semi-algoritmice. Dac\u0103 FXS token (Frax finance token) se pr\u0103bu\u0219e\u0219te, acest lucru poate declan\u0219a o reac\u021bie de de-peg pentru acest activ.\u00a0<\/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;\">Stablecoins \u00eendeplinesc un rol unic \u00een mediul cripto: ele fac leg\u0103tura \u00eentre economia \u0219i banii tradi\u021bionali \u0219i economia cripto. Cu toate acestea, acest lucru \u00eenseamn\u0103, de asemenea, c\u0103 trebuie s\u0103 danseze \u00een jurul diferitelor limite legale.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De exemplu, \u00een timp ce pute\u021bi transfera rapid sume mari de bani prin intermediul stablecoins f\u0103r\u0103 a v\u0103 confrunta cu birocra\u021bia \u0219i cozile de la b\u0103nci, pute\u021bi utiliza acest privilegiu pentru o serie de tranzac\u021bii ilegale, inclusiv pentru a \u00eenc\u0103lca sanc\u021biunile interna\u021bionale, a sp\u0103la bani \u0219i a finan\u021ba criminalitatea \u0219i terorismul. \u00cen mod nesurprinz\u0103tor, aceste fapte nu fac ca stablecoins s\u0103 fie \u00eendr\u0103git de autorit\u0103\u021bile de reglementare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cel mai recent, autorit\u0103\u021bile americane \u0219i-au ar\u0103tat nedorin\u021ba de a tolera ac\u021biunile ilegale legate de stablecoin prin <\/span><a href=\"https:\/\/www.cnbc.com\/2022\/08\/08\/crypto-mixing-service-tornado-cash-blacklisted-by-treasury-department-.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">lista neagr\u0103 a mai multor portofele legate de Tornado Cash<\/span><\/a><span style=\"font-weight: 400;\">, un serviciu coin-tumbling utilizat pentru ascunderea amprentei digitale a criptografiei. Aproximativ 38 de portofele legate de Tornado Cash cu peste 75.000 de USDC au fost trecute pe lista neagr\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acesta este un exemplu de riscuri juridice \u0219i financiare asociate criptomonedelor, \u00een special USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FRAX, pe de alt\u0103 parte, este \u00een pericol din cauza structurii sale semi-algoritmice. Autorit\u0103\u021bile de reglementare au vorbit despre interzicerea complet\u0103 a coins algoritmice, iar FRAX se afl\u0103 la grani\u021ba dintre coins algoritmice \u0219i cele stabile bazate pe garan\u021bii.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mai r\u0103u, dac\u0103 USDC \u0219i-ar pierde valoarea din oricare dintre motivele de mai sus, FRAX ar urma \u00een cur\u00e2nd, deoarece depinde de USDC pentru a garanta stabilitatea pre\u021burilor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where_Can_You_Buy_USDC_and_FRAX\"><\/span><span style=\"font-weight: 400;\">De unde pute\u021bi cump\u0103ra USDC \u0219i FRAX?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pute\u021bi cump\u0103ra USDC \u0219i FRAX de pe majoritatea burselor de criptomonede. Bursele centralizate v\u0103 permit s\u0103 cump\u0103ra\u021bi USDC (\u0219i uneori FRAX) cu numerar. De asemenea, pute\u021bi g\u0103si aceste active pe burse descentralizate precum <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> sau <\/span><a href=\"https:\/\/changelly.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Changelly<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Deoarece majoritatea burselor de cripto-monede opereaz\u0103 propriile pie\u021be de cripto-monede, unele pot avea mai mult\u0103 lichiditate \u00een ceea ce prive\u0219te aceste active. Pute\u021bi afla care burs\u0103 are cea mai mare pia\u021b\u0103 de tranzac\u021bionare USDC sau FRAX verific\u00e2nd datele de pia\u021b\u0103 ale acestora pe <\/span><a href=\"https:\/\/coinmarketcap.com\/currencies\/frax\/#Markets\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Coinmarketcap.com<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_You_Exchange_USDC_for_FRAX\"><\/span><span style=\"font-weight: 400;\">Cum pute\u021bi schimba USDC cu FRAX?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pute\u021bi cump\u0103ra FRAX pe orice burs\u0103 care \u00eel listeaz\u0103. Tot ce trebuie s\u0103 face\u021bi este s\u0103 vizita\u021bi bursa dvs. preferat\u0103 \u0219i s\u0103 c\u0103uta\u021bi USDC\/FRAX pereche. At\u00e2ta timp c\u00e2t bursa listeaz\u0103 \u00eemperecherea USDC\/FRAX, nu ve\u021bi avea probleme.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Uniswap, Curve \u0219i Solidly ofer\u0103 cele mai mari pie\u021be USDC\/FRAX. <a href=\"https:\/\/coinkickoff.com\/ro\/gateio-review\/\" data-internallinksmanager029f6b8e52c=\"155\" title=\"Recenzii Gate.io 2023: Taxe, caracteristici, siguran\u021b\u0103, pro \u0219i contra\">Gate.io<\/a> este un sistem centralizat de schimb valutar prin care pute\u021bi schimba USDC cu Frax.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Future_Plans_for_USDC_and_FRAX\"><\/span><span style=\"font-weight: 400;\">Planuri de viitor pentru USDC \u0219i FRAX<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sam Kazemian, fondatorul Frax Finance, a anun\u021bat \u00een 2023 c\u0103 are \u00een vedere construirea unui <\/span><a href=\"https:\/\/thedefiant.io\/frax-compliant-stablecoin\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">stabil\u0103coin complet conform\u0103 cu reglement\u0103rile<\/span><\/a><span style=\"font-weight: 400;\">. Din moment ce coins algoritmice sunt \u00een ap\u0103 cald\u0103 cu autorit\u0103\u021bile de reglementare, planul lui Kazemian necesit\u0103 un activ complet sus\u021binut de garan\u021bii.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dar nu este \u00eenc\u0103 sigur cum se integreaz\u0103 FRAX \u00een acest sistem. Dac\u0103 Frax va fi interzis \u00een SUA din cauza structurii sale semi-algoritmice, ar fi greu pentru coin s\u0103 \u00ee\u0219i protejeze cuiul.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ca s\u0103 \u00eenr\u0103ut\u0103\u021beasc\u0103 situa\u021bia, autorit\u0103\u021bile americane se opun, de asemenea, serviciilor de \"miz\u0103\" furnizate de bursele \u0219i grupurile centralizate. FRAX s-a bucurat de o cre\u0219tere a popularit\u0103\u021bii dup\u0103 ce \u0219i-a lansat <\/span><a href=\"https:\/\/defillama.com\/protocol\/fraxlend\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">fondul comun de lichidit\u0103\u021bi<\/span><\/a><span style=\"font-weight: 400;\"> \u00een octombrie 2022, dar dac\u0103 autorit\u0103\u021bile de reglementare se ocup\u0103 de DeFi \u0219i de miza pe instrumente derivate, \u0219i aceasta ar putea fi de scurt\u0103 durat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC, pe de alt\u0103 parte, pare s\u0103tul\u0103 de lipsa de dorin\u021b\u0103 a b\u0103ncilor obi\u0219nuite de a lucra cu companiile de criptomonede. Circle CFO a sugerat c\u0103 cea mai bun\u0103 modalitate de a asigura siguran\u021ba rezervelor USDC este de a <\/span><a href=\"https:\/\/beincrypto.com\/circle-calls-holding-usdc-reserve-federal-reserve\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">s\u0103 le depoziteze \u00een Rezervele Federale<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>USDC vs FRAX Pe h\u00e2rtie, USDC \u0219i FRAX sunt destul de asem\u0103n\u0103toare: sunt stabilecoins legate de dolarul american. Cu toate acestea, ele au diferen\u021be importante pe care ar trebui s\u0103 le cunoa\u0219te\u021bi \u00eenainte de a cump\u0103ra oricare dintre ele coin. \u00cen acest articol, compar\u0103m USDC \u0219i Frax pentru a v\u0103 ajuta s\u0103 \u00een\u021belege\u021bi riscurile \u0219i beneficiile investi\u021biei \u00een aceste stabilecoins. F\u0103r\u0103 [...]<\/p>","protected":false},"author":3,"featured_media":135,"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":[4,9],"tags":[],"class_list":{"0":"post-3765","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-coins","8":"category-comparisons","9":"entry"},"featured_image_src":"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/06\/USD-Coin-USDC-600x400.png","featured_image_src_square":"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/06\/USD-Coin-USDC-600x600.png","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\/3765","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=3765"}],"version-history":[{"count":2,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/posts\/3765\/revisions"}],"predecessor-version":[{"id":3768,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/posts\/3765\/revisions\/3768"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/media\/135"}],"wp:attachment":[{"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/media?parent=3765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/categories?post=3765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/coinkickoff.com\/ro\/wp-json\/wp\/v2\/tags?post=3765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}