{"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\/sk\/usdc-vs-dai\/","title":{"rendered":"USDC vs DAI: ktor\u00fd je lep\u0161\u00ed?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2920 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai.jpg\" alt=\"USDC vs DAI\" width=\"1000\" height=\"563\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai.jpg 1000w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-300x169.jpg 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-768x432.jpg 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-18x10.jpg 18w, https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-600x338.jpg 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptomeny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00e9 poplatky<\/li><li><strong>120 mili\u00f3nov<\/strong> Registrovan\u00ed pou\u017e\u00edvatelia<\/li><li>Zabezpe\u010den\u00fd fond akt\u00edv pre pou\u017e\u00edvate\u013eov<\/li><li>Zisk na vkladoch<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina kraj\u00edn<\/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>So s\u00eddlom v USA<\/li><li>Za\u010dnite s \u010do najmen\u0161\u00edm po\u010dtom <strong>$10<\/strong><\/li><li>N\u00e1kup a predaj <strong>200+<\/strong> kryptomeny<\/li><li>Pro rie\u0161enie pre v\u00e4\u010d\u0161\u00edch obchodn\u00edkov<\/li><li>K dispoz\u00edcii v <strong>190+<\/strong> krajiny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/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\">So s\u00eddlom v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptomeny<\/li><li>Z\u00edskajte kryptografiu po prvom n\u00e1kupe<\/li><li>Chr\u00e1nen\u00e9 poisten\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladovanie s trezorovou ochranou<\/li><li>Najd\u00f4veryhodnej\u0161ia platforma pre kryptomeny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n<\/p>\n<p><b>Stabiln\u00fdcoins ako <a href=\"https:\/\/coinkickoff.com\/sk\/usd-coin-usdc\/\" data-internallinksmanager029f6b8e52c=\"8\" title=\"\u010co je USD Coin (USDC)? Ako funguje a kde ho k\u00fapi\u0165?\">USDC<\/a> a <a href=\"https:\/\/coinkickoff.com\/sk\/dai-dai\/\" data-internallinksmanager029f6b8e52c=\"20\" title=\"\u010co je Dai (DAI)? Ako funguje a kde ho k\u00fapi\u0165?\">DAI<\/a> s\u00fa naviazan\u00e9 na USD jedna k jednej, \u010do znamen\u00e1, \u017ee maj\u00fa cenov\u00fa stabilitu.<\/b><span style=\"font-weight: 400;\"> V\u010faka tomu sa daj\u00fa pou\u017ei\u0165 na n\u00e1kup a obchodovanie s in\u00fdmi kryptomenami alebo na investovanie do projektov DeFi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V tejto recenzii USDC vs DAI vysvetl\u00edme rozdiely medzi dvoma stabiln\u00fdmi coins a uvedieme rizik\u00e1 a v\u00fdhody ich obchodovania.<\/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\">Sekcie<\/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=\"Prep\u00ednanie tabu\u013eky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Prep\u00edna\u010d<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#The_History_of_Circle_USDC_and_DAI_Coin_DAI\" >Hist\u00f3ria kruhu (USDC) a DAI Coin (DAI)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#How_Do_USDC_and_DAI_Work\" >Ako funguj\u00fa USDC a DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#What_Are_the_Main_Use_Cases_of_USDC_and_DAI\" >Ak\u00e9 s\u00fa hlavn\u00e9 pr\u00edpady pou\u017eitia USDC a DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#USDC_and_DAI_Price_History\" >USDC a DAI Cenov\u00e1 hist\u00f3ria<\/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\/sk\/usdc-vs-dai\/#USDC_Price_History\" >USDC Cenov\u00e1 hist\u00f3ria<\/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\/sk\/usdc-vs-dai\/#DAI_Price_History\" >DAI Cenov\u00e1 hist\u00f3ria<\/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\/sk\/usdc-vs-dai\/#Circle_and_DAI_Market_Cap\" >Kruh a DAI trhov\u00e1 kapacita<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#USDC_Market_Cap\" >USDC Trhov\u00e1 kapitaliz\u00e1cia<\/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\/sk\/usdc-vs-dai\/#DAI_Market_Cap\" >DAI Trhov\u00e1 kapitaliz\u00e1cia<\/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\/sk\/usdc-vs-dai\/#USDC_vs_DAI_Main_Similarities\" >USDC vs DAI Hlavn\u00e9 podobnosti<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#USDC_vs_DAI_Main_Differences\" >USDC vs DAI Hlavn\u00e9 rozdiely<\/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\/sk\/usdc-vs-dai\/#Pegging_Mechanism\" >Mechanizmus viazania<\/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\/sk\/usdc-vs-dai\/#State_of_Reserves\" >Stav rezerv<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#Governance\" >Spr\u00e1va<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#Market_Capitalization\" >Trhov\u00e1 kapitaliz\u00e1cia<\/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\/sk\/usdc-vs-dai\/#Risks_Associated_With_USDC_and_DAI\" >Rizik\u00e1 spojen\u00e9 s USDC a DAI\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#Risk_of_Losing_Their_Peg\" >Riziko straty kol\u00edka<\/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\/sk\/usdc-vs-dai\/#Legal_and_Financial_Risks\" >Pr\u00e1vne a finan\u010dn\u00e9 rizik\u00e1<\/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\/sk\/usdc-vs-dai\/#Where_Can_You_Buy_USDC_and_DAI\" >Kde si m\u00f4\u017eete k\u00fapi\u0165 USDC a DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#How_Can_You_Exchange_USDC_for_DAI\" >Ako m\u00f4\u017eete vymeni\u0165 USDC za DAI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/coinkickoff.com\/sk\/usdc-vs-dai\/#Future_Plans_for_Circle_and_DAI\" >Pl\u00e1ny do bud\u00facnosti pre Circle a DAI<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_History_of_Circle_USDC_and_DAI_Coin_DAI\"><\/span><span style=\"font-weight: 400;\">Hist\u00f3ria kruhu (USDC) a DAI Coin (DAI)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC bol uveden\u00fd na trh <\/b><a href=\"https:\/\/www.circle.com\/en\/\" target=\"_blank\" rel=\"noopener\"><b>Kruh<\/b><\/a><b>, konzorcium, ktor\u00e9 zah\u0155\u0148a <\/b><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"noopener\"><b>Coinbase<\/b><\/a><b> v roku 2018.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">P\u00f4vodne mal by\u0165 USDC kryt\u00fd dol\u00e1rov\u00fdmi rezervami, nesk\u00f4r v\u0161ak spolo\u010dnos\u0165 <\/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;\">zmenila t\u00fato politiku<\/span><\/a><span style=\"font-weight: 400;\"> na <\/span><b>krytie stabiln\u00e9ho coin in\u00fdmi invest\u00edciami, ako s\u00fa podnikov\u00e9 dlhopisy, americk\u00e9 \u0161t\u00e1tne dlhopisy a komer\u010dn\u00e9 cenn\u00e9 papiere<\/b><span style=\"font-weight: 400;\">. Pod\u013ea spolo\u010dnosti 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;\">pribli\u017ene 61% z USDC rezerv<\/span><\/a><span style=\"font-weight: 400;\"> s\u00fa tvoren\u00e9 pe\u0148a\u017en\u00fdmi prostriedkami a pe\u0148a\u017en\u00fdmi ekvivalentmi.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle inzeruje USDC ako transparentn\u00fd a regulovan\u00fd stabiln\u00fdcoin. Spo\u013eahlivos\u0165 stablecoin v\u0161ak bola v poslednom \u010dase spochyb\u0148ovan\u00e1, najm\u00e4 od p\u00e1du Silvergate Bank (SVB), ktor\u00e1 dr\u017eala zna\u010dn\u00fd objem rezerv USDC vo v\u00fd\u0161ke pribli\u017ene 3,3 miliardy USD.\u00a0<\/span><\/p>\n<p><b>USDC zost\u00e1va druhou najv\u00e4\u010d\u0161ou stabilnou spolo\u010dnos\u0165oucoin pod\u013ea trhovej kapitaliz\u00e1cie<\/b><span style=\"font-weight: 400;\">, ktor\u00e1 prich\u00e1dza po <a href=\"https:\/\/coinkickoff.com\/sk\/tether-usdt\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"\u010co je Tether (USDT)? Ako funguje a kde ho k\u00fapi\u0165?\">Tether<\/a>USDT.<\/span><\/p>\n<p><b>DAI stablecoin bola spusten\u00e1 v roku 2017 spolo\u010dnos\u0165ou MakerDAO, decentralizovanou auton\u00f3mnou organiz\u00e1ciou zalo\u017eenou <a href=\"https:\/\/coinkickoff.com\/sk\/thorchain-rune\/\" data-internallinksmanager029f6b8e52c=\"53\" title=\"\u010co je Thorchain (RUNE) Ako funguje a kde ho k\u00fapi\u0165?\">Rune<\/a> Christensen v roku 2014.<\/b><span style=\"font-weight: 400;\"> \u010clenovia MakerDAO (<a href=\"https:\/\/coinkickoff.com\/sk\/maker-mkr\/\" data-internallinksmanager029f6b8e52c=\"63\" title=\"\u010co je Maker (MKR), ako funguje a kde ho k\u00fapi\u0165?\">MKR<\/a> dr\u017eitelia) m\u00f4\u017eu hlasova\u0165 o bud\u00facnosti stablecoin a podie\u013ea\u0165 sa na rozhodovacom procese, preto sa ozna\u010duje ako \"decentralizovan\u00e1 auton\u00f3mna\".<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spolo\u010dnos\u0165 DAI v\u0161ak bola kritizovan\u00e1 za to, \u017ee je dos\u0165 centralizovan\u00e1, preto\u017ee Christensen a zakladaj\u00faci t\u00edm maj\u00fa ve\u013ek\u00fa rozhodovaciu pr\u00e1vomoc. \u010eal\u0161iu kritiku DAI \u010dasto dost\u00e1va kv\u00f4li svojej z\u00e1vislosti od USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na rozdiel od USDT alebo USDC, ktor\u00e9 s\u00fa kryt\u00e9 fiat peniazmi a in\u00fdmi re\u00e1lnymi akt\u00edvami, <\/span><b>DAI je v\u00e4\u010d\u0161inou kryt\u00fd in\u00fdmi kryptomenami.<\/b><span style=\"font-weight: 400;\"> To znamen\u00e1, \u017ee token je citliv\u00fd na v\u00fdkyvy cien, najm\u00e4 ak je hodnota podkladov\u00fdch token ovplyvnen\u00e1 pr\u00e1vnym v\u00fdvojom alebo v\u00fdvojom na trhu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V roku 2022 prijala organiz\u00e1cia MakerDAO n\u00e1vrh na decentraliz\u00e1ciu rezerv DAI <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-members-support-founders-endgame-180208820.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">investovanie do re\u00e1lnych akt\u00edv<\/span><\/a><span style=\"font-weight: 400;\">. V bud\u00facnosti sa DAI m\u00f4\u017ee sta\u0165 re\u00e1lnym akt\u00edvom kolateralizovan\u00fdm stabiln\u00fdmcoin.\u00a0<\/span><\/p>\n<div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptomeny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00e9 poplatky<\/li><li><strong>120 mili\u00f3nov<\/strong> Registrovan\u00ed pou\u017e\u00edvatelia<\/li><li>Zabezpe\u010den\u00fd fond akt\u00edv pre pou\u017e\u00edvate\u013eov<\/li><li>Zisk na vkladoch<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina kraj\u00edn<\/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>So s\u00eddlom v USA<\/li><li>Za\u010dnite s \u010do najmen\u0161\u00edm po\u010dtom <strong>$10<\/strong><\/li><li>N\u00e1kup a predaj <strong>200+<\/strong> kryptomeny<\/li><li>Pro rie\u0161enie pre v\u00e4\u010d\u0161\u00edch obchodn\u00edkov<\/li><li>K dispoz\u00edcii v <strong>190+<\/strong> krajiny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/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\">So s\u00eddlom v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptomeny<\/li><li>Z\u00edskajte kryptografiu po prvom n\u00e1kupe<\/li><li>Chr\u00e1nen\u00e9 poisten\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladovanie s trezorovou ochranou<\/li><li>Najd\u00f4veryhodnej\u0161ia platforma pre kryptomeny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">Viac inform\u00e1ci\u00ed o hist\u00f3rii <\/span><a href=\"https:\/\/coinkickoff.com\/sk\/dai-dai\/\"><span style=\"font-weight: 400;\">DAI<\/span><\/a><span style=\"font-weight: 400;\"> a USDC v na\u0161ich recenzi\u00e1ch.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_USDC_and_DAI_Work\"><\/span><span style=\"font-weight: 400;\">Ako funguj\u00fa USDC a DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ako u\u017e mo\u017eno viete, stabiln\u00fdcoins viazan\u00fd na USD by mal ma\u0165 v\u017edy hodnotu 1 USD, na rozdiel od in\u00fdch volatiln\u00fdch kryptomien, ako napr. <a href=\"https:\/\/coinkickoff.com\/sk\/bitcoin-btc\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"\u010co je Bitcoin (BTC)? Cena, hist\u00f3ria a kde k\u00fapi\u0165\">Bitcoin<\/a> (BTC) alebo <a href=\"https:\/\/coinkickoff.com\/sk\/ethereum-eth\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"\u010co je Ethereum (ETH)? Cena, hist\u00f3ria a kde k\u00fapi\u0165\">Ethereum<\/a> (ETH).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podobne ako v\u00e4\u010d\u0161ina ostatn\u00fdch stabiln\u00fdchcoins, aj USDC a DAI si udr\u017euj\u00fa cenov\u00fa stabilitu v\u010faka kolater\u00e1lnym \u00faverom (algoritmick\u00e9 stabiln\u00e9coins s\u00fa v\u00fdnimkou z pravidla, ale je zn\u00e1me, \u017ee zlyh\u00e1vaj\u00fa). V podstate, <\/span><b>USDC a DAI maj\u00fa podkladov\u00e9 akt\u00edva, ktor\u00e9 im zabezpe\u010duj\u00fa cenov\u00fa stabilitu<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Funguje to takto: Ke\u010f Circle vyd\u00e1 nov\u00fd USDC na trhu, uzamkne pe\u0148a\u017en\u00fd ekvivalent vydan\u00e9ho USDC vo svojich rezerv\u00e1ch. Napr\u00edklad, ak spolo\u010dnos\u0165 vyd\u00e1va 100 USDC token, mus\u00ed do svojich rezerv prida\u0165 100 USD. T\u00fdmto sp\u00f4sobom spolo\u010dnos\u0165 garantuje, \u017ee jeden USDC m\u00e1 hodnotu 1 USD, preto\u017ee spolo\u010dnos\u0165 ho v\u017edy nak\u00fapi za t\u00fato cenu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI funguje trochu inak, preto\u017ee rezervy DAI netvoria dol\u00e1re, ale in\u00e9 token a stabiln\u00e9coins ako Ethereum a USDC. Ako iste tu\u0161\u00edte, to ho rob\u00ed trochu zranite\u013enej\u0161\u00edm vo\u010di trhov\u00fdm podmienkam, preto\u017ee DAI mus\u00ed z\u00e1visie\u0165 od <a href=\"https:\/\/coinkickoff.com\/sk\/prices\/\" data-internallinksmanager029f6b8e52c=\"136\" title=\"Top 100 \u017div\u00e9 ceny kryptomien (USD)\">kryptografick\u00e1 cena<\/a> stabilitu funkcie. Aby ste vykompenzovali t\u00fato dodato\u010dn\u00fa zranite\u013enos\u0165, <\/span><b>DAI vyu\u017e\u00edva syst\u00e9m zn\u00e1my ako over-collateralizing<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nadmern\u00fa kolateraliz\u00e1ciu lep\u0161ie pochop\u00edme, ak ju porovn\u00e1me s t\u00fdm, ako funguje USDC. Ako sme pr\u00e1ve vysvetlili, 100 USD sta\u010d\u00ed na k\u00fapu 100 USDC. D\u00e1te Kruhu 100 USD a spolo\u010dnos\u0165 ich vlo\u017e\u00ed do svojich rezerv a na opl\u00e1tku v\u00e1m d\u00e1 100 USDC. Va\u0161ich 100 USD je teraz z\u00e1bezpekou za va\u0161e USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak by DAI fungoval ako USDC, sta\u010dilo by da\u0165 100 USDC spolo\u010dnosti MakerDAO, aby ste dostali 100 DAI. Ale takto to nefunguje! V skuto\u010dnosti mus\u00edte da\u0165 120 a\u017e 150 USDC spolo\u010dnosti MakerDAO, aby ste dostali 100 DAI. To rob\u00ed z DAI nadmerne kolateralizovan\u00e9 akt\u00edvum.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI potrebuje tento druh nadmernej kolateraliz\u00e1cie, preto\u017ee ceny kryptomien, dokonca aj stabiln\u00e9 ceny coin, s\u00fa citliv\u00e9 na v\u00fdkyvy cien. Preto sa MakerDAO sna\u017e\u00ed zabezpe\u010di\u0165, aby ich akt\u00edva mali ochrann\u00fa bublinu pre pr\u00edpad, \u017ee by ceny kryptomien v\u00fdrazne klesli.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">O presnom pomere z\u00e1bezpek rozhoduje protokol Maker, ktor\u00fd vyu\u017e\u00edva algoritmy na sledovanie z\u00e1bezpek, aby sa zabezpe\u010dila stabilita ceny DAI. Ke\u010f vlo\u017e\u00edte token do Maker Protocol, va\u0161e akt\u00edva s\u00fa uzamknut\u00e9 v inteligentn\u00fdch kontraktoch Collateralized Debt Positions (CDP). Ak hodnota v\u00e1\u0161ho kolater\u00e1lu klesne pod ur\u010dit\u00fa \u00farove\u0148, inteligentn\u00e9 kontrakty automaticky zlikviduj\u00fa akt\u00edva, aby zabezpe\u010dili, \u017ee cena DAI zostane stabiln\u00e1.<\/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;\">Ak\u00e9 s\u00fa hlavn\u00e9 pr\u00edpady pou\u017eitia USDC a DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Stablecoins mo\u017eno pou\u017ei\u0165 na n\u00e1kup a obchodovanie s v\u00e4\u010d\u0161inou altcoins. <\/span><b>V\u00e4\u010d\u0161ina <a href=\"https:\/\/coinkickoff.com\/sk\/crypto-exchanges\/\" data-internallinksmanager029f6b8e52c=\"141\" title=\"21 Najlep\u0161ie kryptomenov\u00e9 burzy a aplik\u00e1cie v roku 2024\">kryptografick\u00e9 burzy<\/a> p\u00f4sobi\u0165 na trhoch altcoin denominovan\u00fdch v USDC alebo USDT, ke\u010f\u017ee ide o dva najv\u00e4\u010d\u0161ie stabiln\u00e9coins.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Najv\u00e4\u010d\u0161ou v\u00fdhodou USDC je jeho<\/span><i><span style=\"font-weight: 400;\"> jednoduch\u00fd mechanizmus konverzie<\/span><\/i><span style=\"font-weight: 400;\">. <\/span><b>M\u00f4\u017eete nakupova\u0165 a pred\u00e1va\u0165 USDC s fiat menou, t. j. vstupova\u0165 a vystupova\u0165 z trhu s kryptomenami prostredn\u00edctvom tejto stablecoin<\/b><span style=\"font-weight: 400;\">. Ak chcete napr\u00edklad vyplati\u0165 svoje zisky z predaja BTC, m\u00f4\u017eete vymeni\u0165 svoj BTC za USDC a vyplati\u0165 ho prostredn\u00edctvom centralizovanej burzy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI nie je tak popul\u00e1rny ako USDC na obchodovanie a n\u00e1kup digit\u00e1lnych akt\u00edv. Ke\u010f\u017ee sa zvy\u010dajne ned\u00e1 priamo konvertova\u0165 na hotovos\u0165, nie je vhodn\u00fd na r\u00fdchle v\u00fdstupy z trhu. Je to v\u0161ak ob\u013e\u00faben\u00e9 akt\u00edvum DeFi. <\/span><b>Svoj DAI m\u00f4\u017eete ulo\u017ei\u0165 na<\/b> <b>DSR smart kontrakt spolo\u010dnosti Maker, ktor\u00fd umo\u017e\u0148uje z\u00edska\u0165 sadzbu \u00faspor 1%.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Samozrejme, <\/span><b>svoje akt\u00edva DAI a USDC m\u00f4\u017eete tie\u017e vlo\u017ei\u0165 alebo po\u017ei\u010da\u0165 do r\u00f4znych protokolov DeFi a z\u00edska\u0165 tak \u00farok.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_and_DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">USDC a DAI Cenov\u00e1 hist\u00f3ria<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"USDC_Price_History\"><\/span><span style=\"font-weight: 400;\">USDC Cenov\u00e1 hist\u00f3ria<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h2><span><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3391 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-price.png\" alt=\"cena 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 USDC by mal ma\u0165 v\u017edy hodnotu $1, hoci cena m\u00f4\u017ee niekedy kol\u00edsa\u0165 v d\u00f4sledku r\u00fdchlych pohybov na trhu. Ke\u010f \u013eudia kupuj\u00fa alebo pred\u00e1vaj\u00fa USDC vo ve\u013ek\u00fdch mno\u017estv\u00e1ch v kr\u00e1tkom \u010dase, cena sa m\u00f4\u017ee pohybova\u0165 smerom nahor alebo nadol, hoci sa zvy\u010dajne ve\u013emi r\u00fdchlo koriguje.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">DAI Cenov\u00e1 hist\u00f3ria<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2922 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price-.png\" alt=\"dai cena\" width=\"989\" height=\"613\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price-.png 989w, https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price--300x186.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price--768x476.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/dai-price--18x12.png 18w\" sizes=\"auto, (max-width: 989px) 100vw, 989px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">1 DAI by mal ma\u0165 v\u017edy hodnotu $1, hoci m\u00f4\u017ee d\u00f4js\u0165 k cenov\u00fdm v\u00fdkyvom. K cenov\u00fdm v\u00fdkyvom zvy\u010dajne doch\u00e1dza vtedy, ke\u010f dopyt v kr\u00e1tkom \u010dase prudko st\u00fapne alebo klesne, ale cena sa r\u00fdchlo vr\u00e1ti na \u00farove\u0148 $1.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Circle_and_DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">Kruh a DAI trhov\u00e1 kapacita<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"USDC_Market_Cap\"><\/span><span style=\"font-weight: 400;\">USDC Trhov\u00e1 kapitaliz\u00e1cia<\/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=\"trhov\u00e1 kapitaliz\u00e1cia usdc\" width=\"963\" height=\"599\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap.png 963w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap-300x187.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap-768x478.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap-18x12.png 18w\" sizes=\"auto, (max-width: 963px) 100vw, 963px\" \/><\/p>\n<div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptomeny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00e9 poplatky<\/li><li><strong>120 mili\u00f3nov<\/strong> Registrovan\u00ed pou\u017e\u00edvatelia<\/li><li>Zabezpe\u010den\u00fd fond akt\u00edv pre pou\u017e\u00edvate\u013eov<\/li><li>Zisk na vkladoch<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina kraj\u00edn<\/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>So s\u00eddlom v USA<\/li><li>Za\u010dnite s \u010do najmen\u0161\u00edm po\u010dtom <strong>$10<\/strong><\/li><li>N\u00e1kup a predaj <strong>200+<\/strong> kryptomeny<\/li><li>Pro rie\u0161enie pre v\u00e4\u010d\u0161\u00edch obchodn\u00edkov<\/li><li>K dispoz\u00edcii v <strong>190+<\/strong> krajiny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/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\">So s\u00eddlom v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptomeny<\/li><li>Z\u00edskajte kryptografiu po prvom n\u00e1kupe<\/li><li>Chr\u00e1nen\u00e9 poisten\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladovanie s trezorovou ochranou<\/li><li>Najd\u00f4veryhodnej\u0161ia platforma pre kryptomeny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><a href=\"https:\/\/coinmarketcap.com\/currencies\/usd-coin\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">USDC<\/span><\/a><span style=\"font-weight: 400;\"> je druhou najv\u00e4\u010d\u0161ou stabilnoucoin po USDT a piatou najv\u00e4\u010d\u0161ou kryptomenou pod\u013ea trhovej kapitaliz\u00e1cie. Od apr\u00edla 2023 je <\/span><a href=\"https:\/\/www.coingecko.com\/en\/coins\/usd-coin\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">cirkula\u010dn\u00e9 nap\u00e1janie<\/span><\/a><span style=\"font-weight: 400;\"> z <\/span><b>32 mili\u00e1rd USDC<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pre USDC nie je stanoven\u00e1 celkov\u00e1 dod\u00e1vka, preto\u017ee <\/span><a href=\"https:\/\/www.centre.io\/usdc-faq\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Finan\u010dn\u00e9 in\u0161tit\u00facie schv\u00e1len\u00e9 kruhom<\/span><\/a><span style=\"font-weight: 400;\"> m\u00f4\u017ee vyd\u00e1va\u0165 nov\u00e9 USDC na trh, pokia\u013e bude existova\u0165 dopyt. Ke\u010f \u013eudia predaj\u00fa USDC, aby z\u00edskali sp\u00e4\u0165 svoje kolater\u00e1ly, tie ist\u00e9 in\u0161tit\u00facie prebyto\u010dn\u00e9 USDC sp\u00e1lia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hoci bol p\u00f4vodne vyvinut\u00fd a spusten\u00fd v sie\u0165ach Ethereum, USDC je teraz k dispoz\u00edcii na viacer\u00fdch blockchainoch, ako napr. <a href=\"https:\/\/coinkickoff.com\/sk\/solana-sol\/\" data-internallinksmanager029f6b8e52c=\"5\" title=\"\u010co je Solana (SOL)? Ako funguje a kde ho k\u00fapi\u0165?\">Solana<\/a>, <a href=\"https:\/\/coinkickoff.com\/sk\/hedera-hbar\/\" data-internallinksmanager029f6b8e52c=\"35\" title=\"\u010co je Hedera (HBAR), ako funguje a kde ju k\u00fapi\u0165?\">Hedera<\/a>, <a href=\"https:\/\/coinkickoff.com\/sk\/algorand-algo\/\" data-internallinksmanager029f6b8e52c=\"182\" title=\"\u010co je Algorand (ALGO)? Cena, hist\u00f3ria a kde k\u00fapi\u0165\">Algorand<\/a>, <a href=\"https:\/\/coinkickoff.com\/sk\/tron-trx\/\" data-internallinksmanager029f6b8e52c=\"27\" title=\"\u010co je Tron (TRX), ako funguje a kde ho k\u00fapi\u0165?\">Tron<\/a>a <a href=\"https:\/\/coinkickoff.com\/sk\/stellar-xlm\/\" data-internallinksmanager029f6b8e52c=\"33\" title=\"\u010co je Stellar (XLM), ako funguje a kde ho k\u00fapi\u0165?\">Hviezdne<\/a>.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">DAI Trhov\u00e1 kapitaliz\u00e1cia<\/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 trhov\u00e1 kapitaliz\u00e1cia\" width=\"968\" height=\"613\" srcset=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap.png 968w, https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap-300x190.png 300w, https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap-768x486.png 768w, https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap-18x12.png 18w\" sizes=\"auto, (max-width: 968px) 100vw, 968px\" \/><\/p>\n<p><a href=\"https:\/\/coinmarketcap.com\/currencies\/usd-coin\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DAI<\/span><\/a><span style=\"font-weight: 400;\"> je \u0161tvrtou najv\u00e4\u010d\u0161ou stabilnoucoin a sedemn\u00e1stou najv\u00e4\u010d\u0161ou kryptomenou pod\u013ea trhovej kapitaliz\u00e1cie. Od apr\u00edla 2023 je <\/span><a href=\"https:\/\/coinmarketcap.com\/currencies\/multi-collateral-dai\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">cirkula\u010dn\u00e9 nap\u00e1janie<\/span><\/a><span style=\"font-weight: 400;\"> z <\/span><b>5,2 miliardy DAI<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pre DAI nie je stanoven\u00e1 celkov\u00e1 dod\u00e1vka. Nov\u00e9 DAI token s\u00fa automaticky vyd\u00e1van\u00e9 inteligentn\u00fdmi zmluvami Maker Protocol, ke\u010f \u013eudia vkladaj\u00fa z\u00e1lo\u017en\u00e9 kryptomeny. MakerDAO m\u00e1 na starosti spr\u00e1vu protokolu a rozhodovanie o pomere kolater\u00e1lu.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hoci m\u00e1 MakerDAO poves\u0165 auton\u00f3mneho a decentralizovan\u00e9ho riadenia, projekt je v\u00e4\u010d\u0161inou kontrolovan\u00fd zakladate\u013esk\u00fdm t\u00edmom, ktor\u00fd vlastn\u00ed v\u00e4\u010d\u0161inu MKR token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI si m\u00f4\u017eete k\u00fapi\u0165 na v\u00e4\u010d\u0161ine kryptografick\u00fdch b\u00farz a ulo\u017ei\u0165 ho na mnoh\u00fdch protokoloch DeFi, aby ste z\u00edskali \u00farok.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_DAI_Main_Similarities\"><\/span><span style=\"font-weight: 400;\">USDC vs DAI\u00a0<\/span><span style=\"font-weight: 400;\">Hlavn\u00e9 podobnosti<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC a DAI s\u00fa stabiln\u00e9coins v pomere jedna ku jednej k USD. Obe akt\u00edva s\u00fa pomerne popul\u00e1rne a mo\u017eno ich n\u00e1js\u0165 na v\u00e4\u010d\u0161ine kryptografick\u00fdch b\u00farz. Obe akt\u00edva m\u00f4\u017eete ulo\u017ei\u0165 alebo zablokova\u0165 v protokoloch DeFi a z\u00edska\u0165 tak pas\u00edvny pr\u00edjem.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Najv\u00e4\u010d\u0161ia podobnos\u0165 medzi USDC a DAI spo\u010d\u00edva v tom, ako sa pou\u017e\u00edvaj\u00fa v aplik\u00e1ci\u00e1ch deriv\u00e1tov\u00e9ho financovania. <\/span><b>USDC aj DAI s\u00fa ob\u013e\u00faben\u00e9 investi\u010dn\u00e9 n\u00e1stroje na z\u00edskavanie \u00farokov.<\/b><span style=\"font-weight: 400;\"> Oba akt\u00edva m\u00f4\u017eete po\u017ei\u010da\u0165 in\u00fdm osob\u00e1m s vysok\u00fdm \u00farokom.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_DAI_Main_Differences\"><\/span><span style=\"font-weight: 400;\">USDC vs DAI <\/span><span style=\"font-weight: 400;\">Hlavn\u00e9 rozdiely<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Medzi USDC a DAI existuje nieko\u013eko rozdielov vr\u00e1tane rozdielov v ich trhovom dosahu, mechanizmoch viazania, stave rezerv a riaden\u00ed. Pozrime sa na ne podrobnej\u0161ie.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pegging_Mechanism\"><\/span><span style=\"font-weight: 400;\">Mechanizmus viazania<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V predch\u00e1dzaj\u00facich \u010dastiach sme vysvetlili, ako sa DAI a USDC navz\u00e1jom l\u00ed\u0161ia. Zatia\u013e \u010do USDC chr\u00e1ni svoj peg kolateraliz\u00e1ciou re\u00e1lnych akt\u00edv, ako s\u00fa hotovos\u0165 a invest\u00edcie, DAI chr\u00e1ni svoju hodnotu nadmernou kolateraliz\u00e1ciou in\u00fdch kryptomien, hlavne Ethereum a USDC.\u00a0<\/span><\/p>\n<p><b>DAI je prim\u00e1rne podporovan\u00fd USD Coin (USDC) a Ether (ETH), ako aj \u010fal\u0161\u00edmi token, ako napr. <a href=\"https:\/\/coinkickoff.com\/sk\/uniswap-uni\/\" data-internallinksmanager029f6b8e52c=\"34\" title=\"\u010co je Uniswap (UNI), ako funguje a kde ho k\u00fapi\u0165?\">Uniswap<\/a> (UNI), <a href=\"https:\/\/coinkickoff.com\/sk\/pax-dollar-usdp\/\" data-internallinksmanager029f6b8e52c=\"97\" title=\"\u010co je Pax Dollar (USDP)? Ako funguje a kde ho k\u00fapi\u0165?\">Pax Dollar<\/a>, Gemini Dollar (GUSD) a <a href=\"https:\/\/coinkickoff.com\/sk\/zabaleny-bitcoin-wbtc\/\" data-internallinksmanager029f6b8e52c=\"17\" title=\"\u010co je Wrapped Bitcoin (WBTC)? Ako funguje a kde ho k\u00fapi\u0165?\">Wrapped Bitcoin<\/a>a nieko\u013eko \u010fal\u0161\u00edch. <\/b><span style=\"font-weight: 400;\">To sp\u00f4sobuje, \u017ee DAI je takmer \u00faplne z\u00e1visl\u00fd od nieko\u013ek\u00fdch \u010fal\u0161\u00edch projektov kryptomien. Ak sa hodnota t\u00fdchto token zr\u00fati, m\u00f4\u017ee klesn\u00fa\u0165 aj hodnota DAI.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Z technick\u00e9ho h\u013eadiska s\u00fa inteligentn\u00e9 zmluvy prev\u00e1dzkuj\u00face protokol Maker naprogramovan\u00e9 tak, aby zni\u017eovali rizik\u00e1 znehodnotenia prostredn\u00edctvom likvid\u00e1cie kolater\u00e1lu. Av\u0161ak DAI by st\u00e1le mohol strati\u0165 hodnotu, ak by sa prominentn\u00fd token vo svojich rezerv\u00e1ch \u00faplne zr\u00fatil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mali by sme v\u0161ak poznamena\u0165, \u017ee DAI ned\u00e1vno <\/span><b>za\u010dala nadob\u00fada\u0165 re\u00e1lne akt\u00edva, aby zn\u00ed\u017eila svoju z\u00e1vislos\u0165 od invest\u00edci\u00ed do kryptomien.\u00a0<\/b><\/p>\n<p><b>Ke\u010f\u017ee USDC je priamo naviazan\u00fd na USD, mal by zosta\u0165 likvidn\u00fd, pokia\u013e bude Circle udr\u017eiava\u0165 dostato\u010dn\u00e9 hotovostn\u00e9 rezervy na krytie tohto akt\u00edva.<\/b><span style=\"font-weight: 400;\"> Je v\u0161ak potrebn\u00e9 poznamena\u0165, \u017ee spolo\u010dnos\u0165 Circle nemus\u00ed ma\u0165 v\u0161etky rezervy v hotovosti a USDC by mohla strati\u0165 svoju viazanos\u0165, ak nebude dostatok rezerv na podporu token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To n\u00e1s priv\u00e1dza k \u010fal\u0161iemu ve\u013ek\u00e9mu rozdielu medzi t\u00fdmito dvoma akt\u00edvami.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"State_of_Reserves\"><\/span><span style=\"font-weight: 400;\">Stav rezerv<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Rezervy stabiln\u00fdchcoin s\u00fa vo v\u0161eobecnosti ch\u00falostivou t\u00e9mou. Spolo\u010dnos\u0165 Tether, emitent najv\u00e4\u010d\u0161\u00edch stabiln\u00fdchcoin USDT na svete, u\u017e roky vytrvalo odmieta predlo\u017ei\u0165 verejn\u00e9 audity napriek v\u00fdzvam zo strany verejnosti a ofici\u00e1lnych org\u00e1nov a napriek viacer\u00fdm kontroverzi\u00e1m t\u00fdkaj\u00facim sa z\u00e1lohovania akt\u00edv.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kruh vydavate\u013ea USDC sa nel\u00ed\u0161i. Namiesto ofici\u00e1lnych auditov spolo\u010dnos\u0165 vyd\u00e1va hodnotiace spr\u00e1vy od verejn\u00fdch \u00fa\u010dtovn\u00fdch firiem. \u017dia\u013e, ako pouk\u00e1zali mnoh\u00ed kritici, platnos\u0165 a rozsah t\u00fdchto spr\u00e1v nie s\u00fa ani z\u010faleka transparentn\u00e9 a rozhoduj\u00face. Preto, <\/span><b>bez nez\u00e1visl\u00fdch auditov nie je mo\u017en\u00e9 zisti\u0165 stav rezerv USDC<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pod\u013ea spolo\u010dnosti Circle v\u00e4\u010d\u0161inu rezerv USDC tvoria <\/span><b>kr\u00e1tkodob\u00e9 pokladni\u010dn\u00e9 pouk\u00e1\u017eky a pe\u0148a\u017en\u00e9 ekvivalenty.<\/b><\/p>\n<p><b>Rezervy DAI s\u00fa na druhej strane transparentnej\u0161ie. Ke\u010f\u017ee DAI je kryt\u00fd kryptoz\u00e1bezpekami a inteligentn\u00fdmi zmluvami, inform\u00e1cie o rezerv\u00e1ch s\u00fa verejn\u00e9 a m\u00f4\u017ee k nim ma\u0165 pr\u00edstup ktoko\u013evek.\u00a0<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Governance\"><\/span><span style=\"font-weight: 400;\">Spr\u00e1va<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Toto je trochu zlo\u017eit\u00e9, preto\u017ee MakerDAO a Circle sa v praxi ve\u013emi nel\u00ed\u0161ia, pokia\u013e ide o riadenie. Teoreticky sa v\u0161ak l\u00ed\u0161ia. Po\u010fme si podrobnej\u0161ie ilustrova\u0165, \u010do m\u00e1me na mysli.<\/span><\/p>\n<p><b>Teoreticky je MakerDAO decentralizovan\u00e1 auton\u00f3mna organiz\u00e1cia, \u010do znamen\u00e1, \u017ee DAI spravuj\u00fa \u010dlenovia komunity Maker.<\/b><span style=\"font-weight: 400;\"> \u010clenovia komunity m\u00f4\u017eu delegova\u0165 svoje MKR token (Maker Protocol governance token) na z\u00e1stupcov, aby v ich mene hlasovali o kritick\u00fdch ot\u00e1zkach t\u00fdkaj\u00facich sa DAI a MakerDAO. Teoreticky je teda DAI celkom decentralizovan\u00fd.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podobne ako v\u00e4\u010d\u0161ina in\u00fdch \"decentralizovan\u00fdch\" projektov, <\/span><b>DAI je tie\u017e pomerne centralizovan\u00fd vo svojom riaden\u00ed v d\u00f4sledku zdru\u017eovania MKR token v ruk\u00e1ch nieko\u013ek\u00fdch os\u00f4b. <\/b><span style=\"font-weight: 400;\">Medzi tieto zainteresovan\u00e9 strany patria investori rizikov\u00e9ho kapit\u00e1lu, zakladatelia a mana\u017e\u00e9ri DAI. Zakladate\u013e spolo\u010dnosti MakerDao Christensen m\u00e1 v ekosyst\u00e9me DAI obrovsk\u00fa moc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Napr\u00edklad v roku 2022 spolo\u010dnos\u0165 MakerDAO prijala kontroverzn\u00fd pl\u00e1n t\u00fdkaj\u00faci sa bud\u00facnosti stablecoin v\u010faka Christensenov\u00fdm podielom v MKR. To znamen\u00e1, \u017ee rozhodnutia t\u00fdkaj\u00face sa projektu s\u00fa v skuto\u010dnosti dos\u0165 centralizovan\u00e9.<\/span><\/p>\n<p><b>Na druhej strane, emitent USDC Circle je s\u00fakromn\u00e1 centralizovan\u00e1 spolo\u010dnos\u0165. Spolo\u010dnos\u0165 preto kontroluje proces razby USDC, ako aj v\u0161etky d\u00f4le\u017eit\u00e9 rozhodnutia t\u00fdkaj\u00face sa bud\u00facnosti projektu.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Market_Capitalization\"><\/span><span style=\"font-weight: 400;\">Trhov\u00e1 kapitaliz\u00e1cia<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Najv\u00e4\u010d\u0161\u00ed rozdiel medzi USDC a DAI je ich trhov\u00e1 hodnota.<\/b> <b>USDC je druhou najv\u00e4\u010d\u0161ou stabilnou spolo\u010dnos\u0165oucoin pod\u013ea trhovej hodnoty. Na druhej strane DAI je a\u017e \u0161tvrt\u00fd.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">USDC je akceptovan\u00fd v\u00e4\u010d\u0161inou hlavn\u00fdch in\u0161tit\u00faci\u00ed a m\u00f4\u017ee by\u0165 obchodovan\u00fd proti takmer v\u0161etk\u00fdm altcoins. DAI zost\u00e1va v porovnan\u00ed s USDC sk\u00f4r v\u00fdklenkov\u00fdm stabiln\u00fdmcoin.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_Associated_With_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Rizik\u00e1 spojen\u00e9 s USDC a DAI\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Risk_of_Losing_Their_Peg\"><\/span><span style=\"font-weight: 400;\">Riziko straty kol\u00edka<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Hlavn\u00fdm rizikom pri stabilnom coins je volatilita ceny. Stabiln\u00e9coins m\u00f4\u017eu za ur\u010dit\u00fdch okolnost\u00ed strati\u0165 svoju viazanos\u0165 na cenu, zvy\u010dajne vtedy, ke\u010f s\u00fa ich rezervy pr\u00edli\u0161 n\u00edzke na to, aby podporili po\u010det token v obehu.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Tak\u00fdto scen\u00e1r je mo\u017en\u00fd, ak emituj\u00face spolo\u010dnosti nemaj\u00fa dostatok hotovosti a pe\u0148a\u017en\u00fdch ekvivalentov v rezerv\u00e1ch alebo ak sa rezervy ukradn\u00fa, stratia alebo s\u00fa inak nedostupn\u00e9.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stablecoins m\u00f4\u017ee niekedy na kr\u00e1tky \u010das klesn\u00fa\u0165 zo svojej dol\u00e1rovej hodnoty, ale zvy\u010dajne r\u00fdchlo obnov\u00ed svoju cenu. Ak v\u0161ak po de-peggingovej udalosti nenasleduje r\u00fdchle zotavenie, cena sa m\u00f4\u017ee \u0161pir\u00e1lovito zn\u00ed\u017ei\u0165 a vyvola\u0165 platobn\u00fa neschopnos\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zvy\u010dajne to znamen\u00e1, \u017ee pr\u00edslu\u0161n\u00fd stabiln\u00fd coin sa \u00faplne zr\u00fati, \u010d\u00edm sa z trhu vyma\u017ee jeho dol\u00e1rov\u00e1 hodnota a dr\u017eitelia token zostan\u00fa bezcenn\u00fdmi token.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V pr\u00edpade DAI a USDC sa m\u00f4\u017ee zv\u00fd\u0161i\u0165 riziko de-peggingu. Ke\u010f\u017ee USDC tvor\u00ed v\u00e4\u010d\u0161inu z\u00e1bezpeky DAI, tak probl\u00e9m s rezervami USDC <\/span><a href=\"https:\/\/cointelegraph.com\/news\/circle-s-usdc-instability-causes-domino-effect-on-dai-usdd-stablecoins\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">by tie\u017e mohla vyvola\u0165 udalos\u0165 odpojenia pre DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Ke\u010f\u017ee DAI aj USDC s\u00fa v DeFi popul\u00e1rne akt\u00edva, \u00fa\u010dinky p\u00e1du cien by mohli sp\u00f4sobi\u0165 vlny na celom trhu s kryptomenami.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pozrime sa na nieko\u013eko konkr\u00e9tnych pr\u00edkladov mo\u017en\u00fdch probl\u00e9mov:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V roku 2023 vyhl\u00e1sila bankrot Silvergate Bank (SVB), ob\u013e\u00faben\u00e1 in\u0161tit\u00facia medzi kryptobiznisom. V tom \u010dase, <\/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 mala v dr\u017ebe pribli\u017ene 3,3 miliardy vkladov z USDC<\/span><\/a><span style=\"font-weight: 400;\">, \u010do predstavuje zna\u010dn\u00fa \u010das\u0165 rezerv USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spr\u00e1va o bankrote SVB sp\u00f4sobila, \u017ee USDC stratil svoj dol\u00e1rov\u00fd fix. Hoci spolo\u010dnos\u0165 Circle r\u00fdchlo ubezpe\u010dila investorov, \u017ee m\u00e1 potrebn\u00e9 prostriedky na pokrytie ch\u00fdbaj\u00facich 3,3 miliardy USD, t\u00e1to udalos\u0165 odhalila, \u017ee aj stabiln\u00e9 coins zalo\u017een\u00e9 na hotovosti s\u00fa <\/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;\">zranite\u013en\u00e9 vo\u010di zlyhaniam trhu<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC sa zastavil a\u017e po z\u00e1sahu regula\u010dn\u00fdch org\u00e1nov, ktor\u00e9 ozn\u00e1mili, \u017ee <\/span><a href=\"https:\/\/www.cnbc.com\/2023\/03\/12\/regulators-unveil-plan-to-stem-damage-from-svb-collapse.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">vkladatelia by op\u00e4\u0165 z\u00edskali pr\u00edstup k svojim prostriedkom.<\/span><\/a><span style=\"font-weight: 400;\">. Za norm\u00e1lnych okolnost\u00ed sa poistenie vkladov FDIC vz\u0165ahuje len do v\u00fd\u0161ky 250 000 USD, \u010do je ove\u013ea menej ako vklady v SVB.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Samozrejme, zru\u0161enie viazania USDC by z dlhodob\u00e9ho h\u013eadiska po\u0161kodilo aj DAI, ak by sa akt\u00edvum nedok\u00e1zalo vr\u00e1ti\u0165 k viazanej cene. To v\u0161ak nie je v\u0161etko. Na DAI sa via\u017eu aj r\u00f4zne in\u00e9 kolater\u00e1ly token vr\u00e1tane Gemini USD (GUSD).<\/span><\/p>\n<p><a href=\"https:\/\/www.coindesk.com\/business\/2021\/11\/18\/crypto-exchange-gemini-trust-looks-for-7b-valuation-in-400m-funding-round-report\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Gemini USD (GUSD) je potenci\u00e1lne riziko pre DAI<\/span><\/a><span style=\"font-weight: 400;\"> preto\u017ee samotn\u00e1 spolo\u010dnos\u0165 Gemini m\u00e1 v\u00e1\u017ene finan\u010dn\u00e9 probl\u00e9my. Po p\u00e1de spolo\u010dnosti Genesis, ktor\u00e1 riadila program Gemini Earn, pri\u0161la Gemini o pribli\u017ene 900 mili\u00f3nov USD. Ak financie spolo\u010dnosti Gemini zlyhaj\u00fa a ceny GUSD klesn\u00fa, mohlo by to e\u0161te viac ohrozi\u0165 rezervy DAI.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Legal_and_Financial_Risks\"><\/span><span style=\"font-weight: 400;\">Pr\u00e1vne a finan\u010dn\u00e9 rizik\u00e1<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ako sme vysvetlili, stablecoins s\u00fa perfektn\u00e9 vstupn\u00e9 a v\u00fdstupn\u00e9 body na kryptografick\u00fd trh. M\u00f4\u017eete si k\u00fapi\u0165 stablecoins na burze a posla\u0165 ich kamko\u013evek na svete na prevod ve\u013ek\u00fdch s\u00fam pe\u0148az\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ke\u010f\u017ee regula\u010dn\u00e9 org\u00e1ny si \u010doraz viac uvedomuj\u00fa, ako sa stabiln\u00e9 coins pou\u017e\u00edvaj\u00fa, s\u00fa \u010doraz opatrnej\u0161ie, pokia\u013e ide o to, aby sa tieto akt\u00edva pohybovali po svete bez regul\u00e1cie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ako viete, hlavn\u00fdm predajn\u00fdm argumentom kryptografick\u00fdch coins, ako je Bitcoin (teraz stablecoins), s\u00fa r\u00fdchle a bezhrani\u010dn\u00e9 transakcie, ktor\u00e9 nie s\u00fa obmedzovan\u00e9 n\u00e1kladnou a \u010dasovo n\u00e1ro\u010dnou byrokraciou bankov\u00e9ho sveta.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Je to s\u00edce l\u00e1kav\u00e1 ponuka, ale z\u00e1rove\u0148 \u00faplne ignoruje d\u00f4vody, pre\u010do tradi\u010dn\u00e9 bankovn\u00edctvo funguje pr\u00e1ve t\u00fdmto sp\u00f4sobom. Banky pou\u017e\u00edvaj\u00fa r\u00f4zne druhy regul\u00e1ci\u00ed z ur\u010dit\u00e9ho d\u00f4vodu, a to preto, aby zabr\u00e1nili praniu \u0161pinav\u00fdch pe\u0148az\u00ed, financovaniu terorizmu a in\u00fdm trestn\u00fdm \u010dinnostiam.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V posledn\u00fdch rokoch za\u010dali org\u00e1ny sledova\u0165, ako sa transakcie stablecoin vyu\u017e\u00edvaj\u00fa na neleg\u00e1lny prevod finan\u010dn\u00fdch prostriedkov medzi akt\u00e9rmi, a prij\u00edmaj\u00fa opatrenia na d\u00f4kladnej\u0161iu regul\u00e1ciu t\u00fdchto akt\u00edv.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Napr\u00edklad, ke\u010f \u00darad pre kontrolu zahrani\u010dn\u00fdch akt\u00edv <\/span><a href=\"https:\/\/home.treasury.gov\/news\/press-releases\/jy0916\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">nariadil sankciu vo\u010di spolo\u010dnosti Tornado Cash<\/span><\/a><span style=\"font-weight: 400;\"> v roku 2022 museli kryptografick\u00e9 burzy zaradi\u0165 na \u010diernu listinu nieko\u013eko pe\u0148a\u017eeniek napojen\u00fdch na Tornado.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tornado Mixer je anonymn\u00e1 obchodn\u00e1 slu\u017eba na zakrytie digit\u00e1lnych st\u00f4p v blockchaine, ktor\u00e1 sa d\u00e1 pou\u017ei\u0165 na poru\u0161enie sankci\u00ed OFAC a pranie \u0161pinav\u00fdch pe\u0148az\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po tomto pr\u00edkaze spolo\u010dnos\u0165 Circle zaradila na \u010diernu listinu 38 adries pe\u0148a\u017eeniek, na ktor\u00fdch sa nach\u00e1dza najmenej 75 000 USDC. Pre Circle je to relat\u00edvne mal\u00e1 suma (v porovnan\u00ed s SVB dr\u017eala 3,3 miliardy USD), ale aj tak to v krypto ekosyst\u00e9me vyvolalo poplach v s\u00favislosti s t\u00fdm, ako m\u00f4\u017eu nariadenia ohrozi\u0165 invest\u00edcie do kryptomien.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hoci sa kryptografick\u00e9 slu\u017eby \u010dasto pred\u00e1vaj\u00fa ako slu\u017eby riaden\u00e9 k\u00f3dom, pravdou je, \u017ee na to, aby mohli fungova\u0165, musia sp\u013a\u0148a\u0165 pravidl\u00e1 a predpisy finan\u010dn\u00e9ho sveta.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where_Can_You_Buy_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Kde si m\u00f4\u017eete k\u00fapi\u0165 USDC a DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">USDC a DAI si m\u00f4\u017eete k\u00fapi\u0165 takmer na v\u0161etk\u00fdch kryptoburz\u00e1ch. Najv\u00e4\u010d\u0161ie trhy pre DAI s\u00fa <a href=\"https:\/\/coinkickoff.com\/sk\/binance-review\/\" data-internallinksmanager029f6b8e52c=\"152\" title=\"Binance Recenzie 2024: Vlastnosti, poplatky, bezpe\u010dnos\u0165, klady a z\u00e1pory\">Binance<\/a>, <a href=\"https:\/\/coinkickoff.com\/sk\/coinbase-review\/\" data-internallinksmanager029f6b8e52c=\"142\" title=\"Coinbase Recenzie 2024: Funkcie, poplatky, bezpe\u010dnos\u0165, v\u00fdhody a nev\u00fdhody\">Coinbase<\/a>, Uniswap a <a href=\"https:\/\/coinkickoff.com\/sk\/kraken-review\/\" data-internallinksmanager029f6b8e52c=\"171\" title=\"Recenzie Kraken 2023: Poplatky, funkcie, bezpe\u010dnos\u0165, v\u00fdhody a nev\u00fdhody\">Kraken<\/a>. Podobne najv\u00e4\u010d\u0161\u00edmi trhmi pre USDC s\u00fa Binance, Kraken, Uniswap a <a href=\"https:\/\/coinkickoff.com\/sk\/kucoin-review\/\" data-internallinksmanager029f6b8e52c=\"153\" title=\"KuCoin Recenzie 2023: Poplatky, bezpe\u010dnos\u0165, v\u00fdhody a nev\u00fdhody\">Kucoin<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u00e4\u010d\u0161ina centralizovan\u00fdch b\u00farz umo\u017e\u0148uje n\u00e1kup DAI a USDC za fiat meny, ako je USD alebo EUR, prostredn\u00edctvom met\u00f3d online bankovn\u00edctva vr\u00e1tane bankov\u00fdch prevodov, kreditn\u00fdch a debetn\u00fdch kariet a poskytovate\u013eov platieb tret\u00edch str\u00e1n.<\/span><\/p>\n<div class=\"cg-choice-box-six   cg-blue\" ><div class=\"cg-cb-row\"><div class=\"cg-cb-items\" id=\"product-265843\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina Coins<\/div><\/div><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Binance\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Binance_logo.png\" class=\"cg-img-1\" alt=\"Binance\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-post-title=\"Binance\" target=\"\" rel=\"nofollow noopener\">Binance<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>350+<\/strong> Uveden\u00e9 kryptomeny<\/li><li><strong>&lt;0.10%<\/strong> Transak\u010dn\u00e9 poplatky<\/li><li><strong>120 mili\u00f3nov<\/strong> Registrovan\u00ed pou\u017e\u00edvatelia<\/li><li>Zabezpe\u010den\u00fd fond akt\u00edv pre pou\u017e\u00edvate\u013eov<\/li><li>Zisk na vkladoch<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/accounts.binance.com\/register?ref=BLJQ60RW\" data-style=\"default\" data-post-title=\"Binance\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265829\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">V\u00e4\u010d\u0161ina kraj\u00edn<\/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>So s\u00eddlom v USA<\/li><li>Za\u010dnite s \u010do najmen\u0161\u00edm po\u010dtom <strong>$10<\/strong><\/li><li>N\u00e1kup a predaj <strong>200+<\/strong> kryptomeny<\/li><li>Pro rie\u0161enie pre v\u00e4\u010d\u0161\u00edch obchodn\u00edkov<\/li><li>K dispoz\u00edcii v <strong>190+<\/strong> krajiny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-style=\"default\" data-post-title=\"Kraken\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/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\">So s\u00eddlom v USA<\/div><\/div><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Coinbase\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/2022\/10\/Coinbase.png\" class=\"cg-img-1\" alt=\"Coinbase\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-post-title=\"Coinbase\" target=\"\" rel=\"nofollow noopener\">Coinbase<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li><strong>200+<\/strong> Uveden\u00e9 kryptomeny<\/li><li>Z\u00edskajte kryptografiu po prvom n\u00e1kupe<\/li><li>Chr\u00e1nen\u00e9 poisten\u00edm&nbsp;<\/li><li>Bezpe\u010dn\u00e9 skladovanie s trezorovou ochranou<\/li><li>Najd\u00f4veryhodnej\u0161ia platforma pre kryptomeny<\/li><\/ul><\/div><div class=\"cg-cb-btn\"><span class='cta-copy'><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" class=\"cg-one-button cg-btn cg-red  cg-aff-link cg-btn-lg\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" data-style=\"default\" data-post-title=\"Coinbase\" data-extra=\"arrow\" style=\"\" target=\"\" rel=\"nofollow noopener\">Za\u010dnite<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">DAI m\u00f4\u017eete z\u00edska\u0165 aj zablokovan\u00edm z\u00e1bezpeky prostredn\u00edctvom <\/span><a href=\"https:\/\/oasis.app\/borrow\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Port\u00e1l trezoru O\u00e1za<\/span><\/a><span style=\"font-weight: 400;\"> alebo <\/span><a href=\"https:\/\/debank.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DeBank<\/span><\/a><span style=\"font-weight: 400;\"> a <\/span><a href=\"https:\/\/defisaver.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DeFi Saver<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_You_Exchange_USDC_for_DAI\"><\/span><span style=\"font-weight: 400;\">Ako m\u00f4\u017eete vymeni\u0165 USDC za DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">USDC m\u00f4\u017eete vymeni\u0165 za DAI na v\u00e4\u010d\u0161ine kryptob\u00farz. Uniswap a Curve pon\u00fakaj\u00fa ve\u013ek\u00e9 trhy USDC\/DAI, ale m\u00f4\u017eete si overi\u0165, \u010di va\u0161a krypto burza uv\u00e1dza p\u00e1ry USDC\/DAI.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Future_Plans_for_Circle_and_DAI\"><\/span><span style=\"font-weight: 400;\">Pl\u00e1ny do bud\u00facnosti pre Circle a DAI<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pr\u00edkaz OFAC vo\u010di spolo\u010dnosti Tornado Mixer a bankrot banky Silvergate (SVB) boli v\u00fdznamn\u00fdmi udalos\u0165ami pre USDC aj DAI. Bud\u00facnos\u0165 oboch akt\u00edv z\u00e1vis\u00ed od toho, ako bud\u00fa \u013eudia zodpovedn\u00ed za spr\u00e1vu t\u00fdchto akt\u00edv reagova\u0165 na tieto prek\u00e1\u017eky.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spolo\u010dnos\u0165 MakerDAO v posledn\u00fdch mesiacoch prijala nieko\u013eko pl\u00e1nov, ktor\u00e9 m\u00f4\u017eu znamena\u0165 obrovsk\u00e9 zmeny pre stablecoin. V skuto\u010dnosti zost\u00e1va otvorenou ot\u00e1zkou, \u010di DAI zostane stabiln\u00fdmcoin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pozrime sa podrobnej\u0161ie na bud\u00face pl\u00e1ny pre DAI a USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V roku 2022 komunita MakerDAO hlasovala o kontroverznom pl\u00e1ne Runeho Christensena pre bud\u00facnos\u0165 DAI, ktor\u00fd nazval \"<\/span><a href=\"https:\/\/beincrypto.com\/makerdao-mkr-endgame-plan-passed-in-a-vote-where-founder-had-60-influence\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Endgame<\/span><\/a><span style=\"font-weight: 400;\">.\" Christensen je hlasn\u00fdm z\u00e1stancom \"udr\u017eate\u013en\u00fdch financi\u00ed\" a opatren\u00ed proti glob\u00e1lnemu otep\u013eovaniu a pl\u00e1n \"kone\u010dnej hry\" pozost\u00e1va z nieko\u013ek\u00fdch scen\u00e1rov, ktor\u00e9 rie\u0161ia jeho finan\u010dn\u00e9 a environment\u00e1lne obavy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pl\u00e1n pozost\u00e1va z troch f\u00e1z a mnoh\u00fdch pohybliv\u00fdch \u010dast\u00ed, ktor\u00e9 m\u00f4\u017ee komunita MakerDAO \u010dasom uvies\u0165 do praxe.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kr\u00e1tkodob\u00fdm cie\u013eom je zarobi\u0165 \u010do najviac pe\u0148az\u00ed, aby bolo mo\u017en\u00e9 k\u00fapi\u0165 viac ETH pre bud\u00facnos\u0165 DAI. Ke\u010f\u017ee DAI je u\u017e zalo\u017een\u00fd na Ethereum, tvrd\u00ed Christensen, m\u00e1 zmysel vsadi\u0165 sk\u00f4r na ETH ako na USDC a \u010fal\u0161ie stabiln\u00e9coins.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dlhodob\u00fdm cie\u013eom je <\/span><a href=\"https:\/\/beincrypto.com\/makerdao-mkr-endgame-plan-passed-in-a-vote-where-founder-had-60-influence\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">zn\u00ed\u017ei\u0165 rezervy DAI's USDC<\/span><\/a><span style=\"font-weight: 400;\"> s cie\u013eom zabezpe\u010di\u0165 ochranu rezerv. Z dlhodob\u00e9ho h\u013eadiska pl\u00e1n vy\u017eaduje, aby spolo\u010dnos\u0165 MakerDAO investovala do re\u00e1lnych akt\u00edv s cie\u013eom <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-approves-deployment-100m-usdc-184700831.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">diverzifikova\u0165 rezervy DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pl\u00e1n predpoklad\u00e1 n\u00e1kup nehnute\u013enost\u00ed a vl\u00e1dnych a <\/span><a href=\"https:\/\/www.coindesk.com\/business\/2022\/10\/06\/stablecoin-issuer-makerdao-allocates-500m-for-treasuries-corporate-bond-investment\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">podnikov\u00e9 dlhopisy<\/span><\/a><span style=\"font-weight: 400;\"> ochranu proti kryptografickej nestabilite.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V z\u00e1vere\u010dnej f\u00e1ze pl\u00e1n zah\u0155\u0148a od\u010dlenenie DAI od USD, aby sa z neho stalo vo\u013ene pohybliv\u00e9 akt\u00edvum. To je podmienen\u00e9 nieko\u013ek\u00fdmi \u010fal\u0161\u00edmi podmienkami, ale zost\u00e1va re\u00e1lnou mo\u017enos\u0165ou do bud\u00facnosti v z\u00e1vislosti od toho, ako sa bude vyv\u00edja\u0165 kryptoekonomika.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na druhej strane, spolo\u010dnos\u0165 Circle zvolila in\u00fd pr\u00edstup pre v\u00e4\u010d\u0161iu stabilitu. Tarleton Watkins zo spolo\u010dnosti Circle navrhol, \u017ee najlep\u0161ie by bolo, keby stabiln\u00e1 spolo\u010dnos\u0165 coin mohla <\/span><a href=\"https:\/\/www.finextra.com\/newsarticle\/42007\/circle-calls-for-fed-backing-for-usdc-picks-france-for-european-hq\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">dr\u017ea\u0165 dol\u00e1rov\u00e9 rezervy vo FEDe.<\/span><\/a><span style=\"font-weight: 400;\"> namiesto b\u00e1nk ako SVB. Tento model, ozna\u010dovan\u00fd ako model \u00fapln\u00fdch rezerv FEDu, by zaru\u010dil bezpe\u010dnos\u0165 rezervn\u00fdch fondov bez rizika bankrotu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bankrot SVB odhalil trpk\u00fa ir\u00f3niu v srdci kryptobanky: V minulosti sa kryptoekonomika oslavovala ako rozchod s tradi\u010dn\u00fdmi finan\u010dn\u00fdmi in\u0161tit\u00faciami, ako s\u00fa banky. Bitcoin bola sl\u00e1vne spusten\u00e1 ako bojov\u00fd pokrik proti zlyh\u00e1vaj\u00facemu bankov\u00e9mu syst\u00e9mu, ktor\u00fd svoje probl\u00e9my vylo\u017eil na verejnos\u0165 t\u00fdm, \u017ee ju prin\u00fatil plati\u0165 za chyby zlyh\u00e1vaj\u00facich bankov\u00fdch in\u0161tit\u00faci\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Posledn\u00e1 kr\u00edza s SVB a USDC v\u0161ak ukazuje, \u017ee veci nie s\u00fa tak\u00e9 jednoduch\u00e9.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC sa podarilo znovu z\u00edska\u0165 1 USD peg a\u017e po tom, \u010do Feder\u00e1lny rezervn\u00fd syst\u00e9m a ministerstvo financi\u00ed zru\u0161ili limit krytia FDIC pre SVB. Feder\u00e1lny rezervn\u00fd syst\u00e9m spustil nov\u00fd program term\u00ednovan\u00e9ho financovania b\u00e1nk s cie\u013eom zmierni\u0165 pr\u00edpadn\u00e9 straty v d\u00f4sledku krachu SVB, ktor\u00fd americk\u00e9 ministerstvo financi\u00ed podporuje fondom vo v\u00fd\u0161ke 25 mili\u00f3nov USD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Napriek zjavn\u00fdm probl\u00e9mom s \u00faradmi sa regula\u010dn\u00e9 org\u00e1ny m\u00f4\u017eu z dlhodob\u00e9ho h\u013eadiska uk\u00e1za\u0165 ako z\u00e1chrancovia kryptomien.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Stabiln\u00e9 coins ako USDC a DAI s\u00fa naviazan\u00e9 na USD jedna k jednej, \u010do znamen\u00e1, \u017ee maj\u00fa stabiln\u00fa cenu. V\u010faka tomu sa daj\u00fa pou\u017ei\u0165 na n\u00e1kup a obchodovanie s in\u00fdmi kryptomenami alebo na investovanie do projektov DeFi. V tejto recenzii USDC vs. DAI v\u00e1m vysvetl\u00edme rozdiely medzi t\u00fdmito dvoma stabiln\u00fdmicoins a uvedieme rizik\u00e1 a v\u00fdhody obchodovania s nimi [...]<\/p>","protected":false},"author":3,"featured_media":2920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0,"footnotes":""},"categories":[9,4],"tags":[],"class_list":{"0":"post-3389","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-comparisons","8":"category-coins","9":"entry"},"featured_image_src":"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-600x400.jpg","featured_image_src_square":"https:\/\/coinkickoff.com\/wp-content\/uploads\/tethervsdai-600x563.jpg","author_info":{"display_name":"Ian Wright","author_link":"https:\/\/coinkickoff.com\/sk\/author\/ianw\/"},"_links":{"self":[{"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/posts\/3389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/comments?post=3389"}],"version-history":[{"count":3,"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/posts\/3389\/revisions"}],"predecessor-version":[{"id":4311,"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/posts\/3389\/revisions\/4311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/media\/2920"}],"wp:attachment":[{"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/media?parent=3389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/categories?post=3389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/coinkickoff.com\/sk\/wp-json\/wp\/v2\/tags?post=3389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}