{"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\/sl\/usdc-vs-dai\/","title":{"rendered":"USDC proti DAI: kateri je bolj\u0161i?"},"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 proti 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\">Ve\u010dina 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> Navedene kriptovalute<\/li><li><strong>&lt;0.10%<\/strong> Pristojbine za transakcije<\/li><li><strong>120 milijonov<\/strong> Registrirani uporabniki<\/li><li>Varen sklad premo\u017eenja za uporabnike<\/li><li>Zaslu\u017eek na depozitih<\/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 z delom<\/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\">Ve\u010dina dr\u017eav<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S sede\u017eem v ZDA<\/li><li>Za\u010dnite s \u010dim manj <strong>$10<\/strong><\/li><li>Nakup in prodaja <strong>200+<\/strong> kriptovalute<\/li><li>Pro re\u0161itev za ve\u010dje trgovce<\/li><li>Na voljo v <strong>190+<\/strong> dr\u017eave<\/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 z delom<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S sede\u017eem v ZDA<\/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> Navedene kriptovalute<\/li><li>Pridobite kriptovaluto po prvem nakupu<\/li><li>Za\u0161\u010diteni z zavarovanjem&nbsp;<\/li><li>Varno shranjevanje z za\u0161\u010dito trezorja<\/li><li>Najbolj zaupanja vredna platforma za kriptovalute<\/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 z delom<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n<\/p>\n<p><b>Stablecoins kot <a href=\"https:\/\/coinkickoff.com\/sl\/usd-coin-usdc\/\" data-internallinksmanager029f6b8e52c=\"8\" title=\"Kaj je USD Coin (USDC)? Kako deluje in kje ga kupiti?\">USDC<\/a> in . <a href=\"https:\/\/coinkickoff.com\/sl\/dai-dai\/\" data-internallinksmanager029f6b8e52c=\"20\" title=\"Kaj je Dai (DAI)? Kako deluje in kje ga kupiti?\">DAI<\/a> so vezane na USD ena proti ena, kar pomeni, da imajo stabilne cene.<\/b><span style=\"font-weight: 400;\"> Zato jih lahko uporabite za nakup in trgovanje z drugimi kriptovalutami ali vlaganje v projekte DeFi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V tem pregledu USDC proti DAI bomo pojasnili razlike med obema stabilnima coins ter navedli tveganja in prednosti trgovanja z njima.<\/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\">Oddelki<\/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=\"Toggle Tabela vsebine\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinkickoff.com\/sl\/usdc-vs-dai\/#The_History_of_Circle_USDC_and_DAI_Coin_DAI\" >Zgodovina kroga (USDC) in 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\/sl\/usdc-vs-dai\/#How_Do_USDC_and_DAI_Work\" >Kako delujeta USDC in 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\/sl\/usdc-vs-dai\/#What_Are_the_Main_Use_Cases_of_USDC_and_DAI\" >Kateri so glavni primeri uporabe USDC in 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\/sl\/usdc-vs-dai\/#USDC_and_DAI_Price_History\" >USDC in DAI Zgodovina cen<\/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\/sl\/usdc-vs-dai\/#USDC_Price_History\" >USDC Zgodovina cen<\/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\/sl\/usdc-vs-dai\/#DAI_Price_History\" >DAI Zgodovina cen<\/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\/sl\/usdc-vs-dai\/#Circle_and_DAI_Market_Cap\" >Krog in tr\u017ena kapitalizacija DAI<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/coinkickoff.com\/sl\/usdc-vs-dai\/#USDC_Market_Cap\" >USDC Tr\u017ena kapitalizacija<\/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\/sl\/usdc-vs-dai\/#DAI_Market_Cap\" >DAI Tr\u017ena kapitalizacija<\/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\/sl\/usdc-vs-dai\/#USDC_vs_DAI_Main_Similarities\" >USDC in DAI Glavne 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\/sl\/usdc-vs-dai\/#USDC_vs_DAI_Main_Differences\" >Glavne razlike med USDC in DAI<\/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\/sl\/usdc-vs-dai\/#Pegging_Mechanism\" >Mehanizem vezave<\/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\/sl\/usdc-vs-dai\/#State_of_Reserves\" >Stanje 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\/sl\/usdc-vs-dai\/#Governance\" >Upravljanje<\/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\/sl\/usdc-vs-dai\/#Market_Capitalization\" >Tr\u017ena kapitalizacija<\/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\/sl\/usdc-vs-dai\/#Risks_Associated_With_USDC_and_DAI\" >Tveganja, povezana z USDC in 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\/sl\/usdc-vs-dai\/#Risk_of_Losing_Their_Peg\" >Tveganje, da bodo izgubili svoj klju\u010davni\u010dar<\/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\/sl\/usdc-vs-dai\/#Legal_and_Financial_Risks\" >Pravna in finan\u010dna tveganja<\/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\/sl\/usdc-vs-dai\/#Where_Can_You_Buy_USDC_and_DAI\" >Kje lahko kupite USDC in 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\/sl\/usdc-vs-dai\/#How_Can_You_Exchange_USDC_for_DAI\" >Kako lahko zamenjate 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\/sl\/usdc-vs-dai\/#Future_Plans_for_Circle_and_DAI\" >Prihodnji na\u010drti za Circle in 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;\">Zgodovina kroga (USDC) in DAI Coin (DAI)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC je za\u010del izvajati <\/b><a href=\"https:\/\/www.circle.com\/en\/\" target=\"_blank\" rel=\"noopener\"><b>Krog<\/b><\/a><b>, konzorcij, ki vklju\u010duje <\/b><a href=\"https:\/\/coinbase-consumer.sjv.io\/ORPoaG\" target=\"_blank\" rel=\"noopener\"><b>Coinbase<\/b><\/a><b> v letu 2018.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sprva naj bi bil USDC podprt z dolarskimi rezervami, vendar je podjetje pozneje <\/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;\">spremenila to politiko.<\/span><\/a><span style=\"font-weight: 400;\"> na . <\/span><b>podprite stabilnicoin z drugimi nalo\u017ebami, kot so podjetni\u0161ke obveznice, ameri\u0161ke dr\u017eavne obveznice in komercialni zapisi.<\/b><span style=\"font-weight: 400;\">. Po podatkih podjetja 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\u017eno 61% rezerv USDC<\/span><\/a><span style=\"font-weight: 400;\"> sestavljajo denarna sredstva in njihovi ustrezniki.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Circle ogla\u0161uje USDC kot pregleden in reguliran stabilnicoin. Vendar je bila zanesljivost stabilnecoin v zadnjem \u010dasu pod vpra\u0161ajem, zlasti po padcu banke Silvergate Bank (SVB), ki je imela precej\u0161en znesek rezerv USDC v vi\u0161ini pribli\u017eno 3,3 milijarde USD.\u00a0<\/span><\/p>\n<p><b>USDC ostaja drugi najve\u010dji stabilnicoin po tr\u017eni vrednosti<\/b><span style=\"font-weight: 400;\">, ki prihaja po <a href=\"https:\/\/coinkickoff.com\/sl\/tether-usdt\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"Kaj je Tether (USDT)? Kako deluje in kje ga kupiti?\">Tether<\/a>USDT.<\/span><\/p>\n<p><b>DAI stablecoin je leta 2017 za\u010del delovati MakerDAO, decentralizirana avtonomna organizacija, ki so jo ustanovili <a href=\"https:\/\/coinkickoff.com\/sl\/thorchain-rune\/\" data-internallinksmanager029f6b8e52c=\"53\" title=\"Kaj je Thorchain (RUNE), kako deluje in kje ga kupiti?\">Rune<\/a> Christensen leta 2014.<\/b><span style=\"font-weight: 400;\"> \u010clani organizacije MakerDAO (<a href=\"https:\/\/coinkickoff.com\/sl\/maker-mkr\/\" data-internallinksmanager029f6b8e52c=\"63\" title=\"Kaj je Maker (MKR), kako deluje in kje ga kupiti?\">MKR<\/a> ) lahko glasujejo o prihodnosti sistema stablecoin in sodelujejo v procesu odlo\u010danja, zato je tudi oznaka \"decentralizirano avtonomen\".<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vendar je bil DAI dele\u017een kritik, da je precej centraliziran, saj sta imela Christensen in ekipa ustanoviteljev veliko mo\u010d odlo\u010danja. DAI je pogosto kritiziran tudi zaradi odvisnosti od USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Za razliko od USDT ali USDC, ki sta podprta s fiat denarjem in drugimi realnimi sredstvi, <\/span><b>DAI je ve\u010dinoma podprt z drugimi kriptovalutami.<\/b><span style=\"font-weight: 400;\"> To pomeni, da je token ob\u010dutljiv na nihanje cen, zlasti \u010de na vrednost osnovnih token vplivajo pravni ali tr\u017eni dogodki.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Leta 2022 je organizacija MakerDAO sprejela predlog, da bi rezerve DAI postale bolj decentralizirane z <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-members-support-founders-endgame-180208820.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">vlaganje v realna sredstva<\/span><\/a><span style=\"font-weight: 400;\">. V prihodnosti lahko DAI postane stabilni coin, zavarovan s premo\u017eenjem v realnem svetu.\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\">Ve\u010dina 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> Navedene kriptovalute<\/li><li><strong>&lt;0.10%<\/strong> Pristojbine za transakcije<\/li><li><strong>120 milijonov<\/strong> Registrirani uporabniki<\/li><li>Varen sklad premo\u017eenja za uporabnike<\/li><li>Zaslu\u017eek na depozitih<\/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 z delom<\/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\">Ve\u010dina dr\u017eav<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S sede\u017eem v ZDA<\/li><li>Za\u010dnite s \u010dim manj <strong>$10<\/strong><\/li><li>Nakup in prodaja <strong>200+<\/strong> kriptovalute<\/li><li>Pro re\u0161itev za ve\u010dje trgovce<\/li><li>Na voljo v <strong>190+<\/strong> dr\u017eave<\/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 z delom<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S sede\u017eem v ZDA<\/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> Navedene kriptovalute<\/li><li>Pridobite kriptovaluto po prvem nakupu<\/li><li>Za\u0161\u010diteni z zavarovanjem&nbsp;<\/li><li>Varno shranjevanje z za\u0161\u010dito trezorja<\/li><li>Najbolj zaupanja vredna platforma za kriptovalute<\/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 z delom<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">Ve\u010d informacij o zgodovini <\/span><a href=\"https:\/\/coinkickoff.com\/sl\/dai-dai\/\"><span style=\"font-weight: 400;\">DAI<\/span><\/a><span style=\"font-weight: 400;\"> in USDC v na\u0161ih pregledih.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_USDC_and_DAI_Work\"><\/span><span style=\"font-weight: 400;\">Kako delujeta USDC in DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kot morda \u017ee veste, bi moral biti stabilnicoins, vezan na USD, vedno vreden 1 USD, za razliko od drugih nestanovitnih kriptovalut, kot so <a href=\"https:\/\/coinkickoff.com\/sl\/bitcoin-btc\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Kaj je Bitcoin (BTC)? Cena, zgodovina in kje kupiti\">Bitcoin<\/a> (BTC) ali <a href=\"https:\/\/coinkickoff.com\/sl\/ethereum-eth\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Kaj je Ethereum (ETH)? Cena, zgodovina in kje kupiti\">Ethereum<\/a> (ETH).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tako kot ve\u010dina drugih stabilnih coins tudi USDC in DAI ohranjajo stabilnost cene zaradi posojil s premo\u017eenjem (algoritemski stabilni coins so izjema od pravila, vendar je znano, da propadajo). V osnovi, <\/span><b>USDC in DAI imata osnovna sredstva, ki jima zagotavljajo stabilnost cen<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Deluje takole: Ko podjetje Circle izda nov USDC na trgu, v svojih rezervah blokira denarni ekvivalent izdanega USDC. Na primer, \u010de podjetje izda 100 USDC token, mora v svoje rezerve dodati 100 USD. Na ta na\u010din podjetje jam\u010di, da je en USDC vreden 1 USD, ker ga podjetje vedno kupuje po tej ceni.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI deluje nekoliko druga\u010de, saj rezerve DAI niso sestavljene iz dolarjev, temve\u010d iz drugih token in stabilnih coins, kot sta Ethereum in USDC. Kot lahko uganete, je zaradi tega nekoliko bolj ob\u010dutljiv na tr\u017ene razmere, saj mora biti DAI odvisen od <a href=\"https:\/\/coinkickoff.com\/sl\/prices\/\" data-internallinksmanager029f6b8e52c=\"136\" title=\"Top 100 Cene kriptovalut v \u017eivo (USD)\">cena kriptovalut<\/a> stabilnost za delovanje. Da bi nadomestili to dodatno ranljivost, <\/span><b>DAI uporablja sistem, znan kot over-collateralizing<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Prekomerno zavarovanje s premo\u017eenjem lahko bolje razumemo, \u010de ga primerjamo z delovanjem USDC. Kot smo pravkar razlo\u017eili, je 100 USD dovolj za nakup 100 USDC. Krogu daste 100 USD, podjetje pa jih vlo\u017ei v svoje rezerve in vam v zameno da 100 USDC. Va\u0161ih 100 USD je zdaj zavarovanje za va\u0161e USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010ce bi DAI deloval kot USDC, bi morali podjetju MakerDAO dati le 100 USDC, da bi dobili 100 DAI. Vendar to ne deluje tako! V resnici morate podjetju MakerDAO dati od 120 do 150 USDC, da bi dobili 100 DAI. Zaradi tega je DAI premo\u017eenje s prekomernim kritjem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI potrebuje tovrstno prekomerno zavarovanje, saj so cene kriptovalut, tudi stabilne cene coin, ob\u010dutljive na nihanja cen. Zato si podjetje MakerDAO prizadeva zagotoviti, da ima njihovo premo\u017eenje za\u0161\u010ditni mehur\u010dek, \u010de bi cene kriptovalut mo\u010dno padle.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Natan\u010dno razmerje zavarovanja dolo\u010di protokol Maker, ki s pomo\u010djo algoritmov spremlja zavarovanja, da zagotovi, da cena DAI ostane stabilna. Ko v protokol Maker polo\u017eite token, so va\u0161a sredstva zaklenjena v pametnih pogodbah za zavarovane dol\u017eni\u0161ke pozicije (Collateralized Debt Positions - CDP). \u010ce vrednost va\u0161ega zavarovanja pade pod dolo\u010deno raven, pametne pogodbe samodejno likvidirajo sredstva, da bi zagotovile, da cena DAI ostane stabilna.<\/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;\">Kateri so glavni primeri uporabe USDC in DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Stabilnicoins se lahko uporablja za nakup in trgovanje z ve\u010dino altcoins. <\/span><b>Ve\u010dina <a href=\"https:\/\/coinkickoff.com\/sl\/crypto-exchanges\/\" data-internallinksmanager029f6b8e52c=\"141\" title=\"21 Najbolj\u0161e menjalnice kriptovalut in aplikacije v letu 2024\">izmenjave kriptovalut<\/a> delujejo na alternativnih trgih coin, denominiranih v USDC ali USDT, saj sta to dva najve\u010dja stabilna coins.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Najve\u010dja prednost USDC je njegova<\/span><i><span style=\"font-weight: 400;\"> mehanizem za enostavno pretvorbo<\/span><\/i><span style=\"font-weight: 400;\">. <\/span><b>USDC lahko kupite in prodate s fiat valuto, tj. vstopite in izstopite s trga kriptovalut prek tega stabilnegacoin<\/b><span style=\"font-weight: 400;\">. \u010ce na primer \u017eelite izpla\u010dati dobi\u010dek od prodaje BTC, lahko svoj BTC zamenjate za USDC in ga izpla\u010date prek centralizirane borze.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI ni tako priljubljen kot USDC za trgovanje in nakup digitalnega premo\u017eenja. Ker ga obi\u010dajno ni mogo\u010de neposredno pretvoriti v gotovino, ni primeren za hitre izhode s trga. Kljub temu je priljubljeno sredstvo DeFi. <\/span><b>Svoj ra\u010dun DAI lahko polo\u017eite na<\/b> <b>Pametno pogodbo DSR podjetja Maker, da zaslu\u017eite stopnjo prihrankov 1%.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Seveda, <\/span><b>svoja sredstva DAI in USDC lahko tudi polo\u017eite ali posodite razli\u010dnim protokolom DeFi in tako zaslu\u017eite obresti.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_and_DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">USDC in DAI Zgodovina cen<\/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 Zgodovina cen<\/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 naj bi bil vedno vreden $1, \u010deprav lahko cena v\u010dasih niha zaradi hitrih tr\u017enih gibanj. Kadar ljudje v kratkem obdobju kupijo ali prodajo USDC v velikih koli\u010dinah, se lahko cena giblje navzgor ali navzdol, \u010deprav se obi\u010dajno zelo hitro popravi.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Price_History\"><\/span><span style=\"font-weight: 400;\">DAI Zgodovina cen<\/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=\"cena dai\" 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 naj bi bil vedno vreden $1, \u010deprav lahko pride do nihanja cen. Do nihanja cen obi\u010dajno pride, ko se povpra\u0161evanje v kratkem \u010dasu mo\u010dno pove\u010da ali zmanj\u0161a, vendar se cena hitro povrne na $1.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Circle_and_DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">Krog in tr\u017ena kapitalizacija DAI<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"USDC_Market_Cap\"><\/span><span style=\"font-weight: 400;\">USDC Tr\u017ena kapitalizacija<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3390 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/usdc-marketcap.png\" alt=\"tr\u017ena kapitalizacija dru\u017ebe 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\">Ve\u010dina 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> Navedene kriptovalute<\/li><li><strong>&lt;0.10%<\/strong> Pristojbine za transakcije<\/li><li><strong>120 milijonov<\/strong> Registrirani uporabniki<\/li><li>Varen sklad premo\u017eenja za uporabnike<\/li><li>Zaslu\u017eek na depozitih<\/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 z delom<\/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\">Ve\u010dina dr\u017eav<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S sede\u017eem v ZDA<\/li><li>Za\u010dnite s \u010dim manj <strong>$10<\/strong><\/li><li>Nakup in prodaja <strong>200+<\/strong> kriptovalute<\/li><li>Pro re\u0161itev za ve\u010dje trgovce<\/li><li>Na voljo v <strong>190+<\/strong> dr\u017eave<\/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 z delom<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S sede\u017eem v ZDA<\/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> Navedene kriptovalute<\/li><li>Pridobite kriptovaluto po prvem nakupu<\/li><li>Za\u0161\u010diteni z zavarovanjem&nbsp;<\/li><li>Varno shranjevanje z za\u0161\u010dito trezorja<\/li><li>Najbolj zaupanja vredna platforma za kriptovalute<\/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 z delom<\/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 druga najve\u010dja stabilnacoin za USDT in peta najve\u010dja kriptovaluta po tr\u017eni kapitalizaciji. Od aprila 2023 je <\/span><a href=\"https:\/\/www.coingecko.com\/en\/coins\/usd-coin\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">obto\u010dno napajanje<\/span><\/a><span style=\"font-weight: 400;\"> na spletnem mestu . <\/span><b>32 milijard USDC<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Za USDC ni dolo\u010dena skupna dobava, saj <\/span><a href=\"https:\/\/www.centre.io\/usdc-faq\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Finan\u010dne institucije, odobrene v okviru kroga<\/span><\/a><span style=\"font-weight: 400;\"> lahko izda nove USDC na trgu, dokler obstaja povpra\u0161evanje. Ko ljudje prodajo USDC, da bi dobili nazaj svoja zavarovanja, iste institucije prese\u017ene USDC se\u017egejo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010ceprav je bil prvotno razvit in predstavljen v omre\u017ejih Ethereum, je USDC zdaj na voljo v ve\u010d verigah blokov, kot so <a href=\"https:\/\/coinkickoff.com\/sl\/solana-sol\/\" data-internallinksmanager029f6b8e52c=\"5\" title=\"Kaj je Solana (SOL)? Kako deluje in kje ga kupiti?\">Solana<\/a>, <a href=\"https:\/\/coinkickoff.com\/sl\/hedera-hbar\/\" data-internallinksmanager029f6b8e52c=\"35\" title=\"Kaj je Hedera (HBAR), kako deluje in kje jo kupiti?\">Hedera<\/a>, <a href=\"https:\/\/coinkickoff.com\/sl\/algorand-algo\/\" data-internallinksmanager029f6b8e52c=\"182\" title=\"Kaj je Algorand (ALGO)? Cena, zgodovina in kje kupiti\">Algorand<\/a>, <a href=\"https:\/\/coinkickoff.com\/sl\/tron-trx\/\" data-internallinksmanager029f6b8e52c=\"27\" title=\"Kaj je Tron (TRX), kako deluje in kje ga kupiti?\">Tron<\/a>in <a href=\"https:\/\/coinkickoff.com\/sl\/stellar-xlm\/\" data-internallinksmanager029f6b8e52c=\"33\" title=\"Kaj je Stellar (XLM), kako deluje in kje ga kupiti?\">Zvezdni<\/a>.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DAI_Market_Cap\"><\/span><span style=\"font-weight: 400;\">DAI Tr\u017ena kapitalizacija<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2923 size-full\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/DAI-marketcap.png\" alt=\"DAI tr\u017ena kapitalizacija\" 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 \u010detrta najve\u010dja stabilnacoin in sedemnajsta najve\u010dja kriptovaluta po tr\u017eni kapitalizaciji. Od aprila 2023 je <\/span><a href=\"https:\/\/coinmarketcap.com\/currencies\/multi-collateral-dai\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">obto\u010dno napajanje<\/span><\/a><span style=\"font-weight: 400;\"> na spletnem mestu . <\/span><b>5,2 milijarde DAI<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Za DAI ni dolo\u010dena skupna oskrba. Nove DAI token samodejno izdajajo pametne pogodbe protokola Maker, ko ljudje polo\u017eijo kriptovalute za zavarovanje. Organizacija MakerDAO je zadol\u017eena za upravljanje protokola in odlo\u010danje o razmerju zavarovanja.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010ceprav MakerDAO slovi po avtonomnem in decentraliziranem upravljanju, projekt ve\u010dinoma nadzoruje ustanovna ekipa, ki ima v lasti ve\u010dino ra\u010dunalnikov MKR token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DAI lahko kupite na ve\u010dini borz kriptovalut in ga polo\u017eite na \u0161tevilne protokole DeFi, da zaslu\u017eite obresti.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_DAI_Main_Similarities\"><\/span><span style=\"font-weight: 400;\">USDC proti DAI\u00a0<\/span><span style=\"font-weight: 400;\">Glavne podobnosti<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>USDC in DAI sta stabilnacoins je vezan na USD v razmerju ena proti ena. Obe sredstvi sta precej priljubljeni in ju je mogo\u010de najti na ve\u010dini borz kriptovalut. Obe sredstvi lahko polo\u017eite ali zaklenete v protokole DeFi in tako zaslu\u017eite pasivni dohodek.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Najve\u010dja podobnost med USDC in DAI je v tem, kako se uporabljata v aplikacijah za financiranje izvedenih finan\u010dnih instrumentov. <\/span><b>Tako USDC kot DAI sta priljubljena nalo\u017ebena instrumenta za pridobivanje obresti.<\/b><span style=\"font-weight: 400;\"> Obe sredstvi lahko posodite drugim z visokimi obrestnimi merami.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"USDC_vs_DAI_Main_Differences\"><\/span><span style=\"font-weight: 400;\">USDC proti DAI <\/span><span style=\"font-weight: 400;\">Glavne razlike<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Med USDC in DAI je ve\u010d razlik, vklju\u010dno z razlikami v tr\u017enem dosegu, mehanizmih vezave, stanju rezerv in upravljanju. Oglejmo si jih podrobneje.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pegging_Mechanism\"><\/span><span style=\"font-weight: 400;\">Mehanizem vezave<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V prej\u0161njih razdelkih smo pojasnili, kako se DAI in USDC razlikujeta med seboj. Medtem ko USDC \u0161\u010diti svojo vezavo z zavarovanjem realnih sredstev, kot so gotovina in nalo\u017ebe, DAI \u0161\u010diti svojo vrednost s prekomernim zavarovanjem drugih kriptovalut, predvsem Ethereum in USDC.\u00a0<\/span><\/p>\n<p><b>Za DAI stojita predvsem USD Coin (USDC) in Ether (ETH) ter drugi token, kot so <a href=\"https:\/\/coinkickoff.com\/sl\/uniswap-uni\/\" data-internallinksmanager029f6b8e52c=\"34\" title=\"Kaj je Uniswap (UNI), kako deluje in kje ga kupiti?\">Uniswap<\/a> (UNI), <a href=\"https:\/\/coinkickoff.com\/sl\/pax-dolar-usdp\/\" data-internallinksmanager029f6b8e52c=\"97\" title=\"Kaj je Pax Dollar (USDP)? Kako deluje in kje ga kupiti?\">Pax Dollar<\/a>, Gemini Dollar (GUSD) in <a href=\"https:\/\/coinkickoff.com\/sl\/zaviti-bitcoin-wbtc\/\" data-internallinksmanager029f6b8e52c=\"17\" title=\"Kaj je Wrapped Bitcoin (WBTC)? Kako deluje in kje ga lahko kupite?\">Wrapped Bitcoin<\/a>in nekaj drugih. <\/b><span style=\"font-weight: 400;\">Zaradi tega je DAI skoraj popolnoma odvisen od ve\u010d drugih projektov kriptovalut. \u010ce vrednost teh token pade, lahko pade tudi vrednost DAI.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tehni\u010dno so pametne pogodbe, ki upravljajo protokol Maker, programirane tako, da zmanj\u0161ujejo tveganja devalvacije z likvidacijo zavarovanja. Vendar bi DAI \u0161e vedno lahko izgubil vrednost, \u010de bi pomemben token v njegovih rezervah popolnoma propadel.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vendar je treba opozoriti, da je DAI pred kratkim <\/span><b>za\u010del pridobivati realna sredstva, da bi zmanj\u0161al svojo odvisnost od nalo\u017eb v kriptovalute.\u00a0<\/b><\/p>\n<p><b>Ker je USDC neposredno vezan na USD, bi moral ostati likviden, dokler ima Circle dovolj denarnih rezerv za kritje tega sredstva.<\/b><span style=\"font-weight: 400;\"> Vendar je treba opozoriti, da ni nujno, da ima dru\u017eba Circle vse rezerve v gotovini, in USDC bi lahko izgubil svojo vezavo, \u010de ne bi bilo dovolj rezerv za podporo token.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To nas pripelje do naslednje velike razlike med tema dvema sredstvoma.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"State_of_Reserves\"><\/span><span style=\"font-weight: 400;\">Stanje rezerv<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Stabilnecoin rezerve so na splo\u0161no ko\u010dljiva tema. Podjetje Tether, izdajatelj najve\u010djih stabilnihcoin USDT na svetu, \u017ee leta vztrajno zavra\u010da predlo\u017eitev javnih revizij kljub pozivom javnih in uradnih organov ter kljub \u0161tevilnim polemikam v zvezi s premo\u017eenjskim kritjem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Krog izdajateljev USDC ni ni\u010d druga\u010den. Namesto uradnih revizij podjetje objavi ocenjevalna poro\u010dila javnih ra\u010dunovodskih podjetij. \u017dal, kot so poudarili \u0161tevilni kritiki, veljavnost in obseg poro\u010dil \u0161e zdale\u010d nista pregledna in odlo\u010dilna. Zato, <\/span><b>brez neodvisnih revizij je nemogo\u010de ugotoviti stanje rezerv USDC.<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po podatkih dru\u017ebe Circle je ve\u010dina rezerv USDC sestavljena iz <\/span><b>kratkoro\u010dne zakladne menice in denarne ustreznike.<\/b><\/p>\n<p><b>Rezerve DAI pa so bolj pregledne. Ker je DAI podprt s kripto\u017eetoni in pametnimi pogodbami, so informacije o rezervah javne in do njih lahko dostopa vsakdo.\u00a0<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Governance\"><\/span><span style=\"font-weight: 400;\">Upravljanje<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To je nekoliko zapleteno, saj se podjetji MakerDAO in Circle v praksi pri upravljanju ne razlikujeta veliko. V teoriji pa se precej razlikujeta. Podrobneje predstavimo, kaj imamo v mislih.<\/span><\/p>\n<p><b>V teoriji je MakerDAO decentralizirana avtonomna organizacija, kar pomeni, da DAI upravljajo \u010dlani skupnosti Maker.<\/b><span style=\"font-weight: 400;\"> \u010clani skupnosti lahko svoje naprave MKR token (naprave token za upravljanje protokola Maker) prenesejo na predstavnike, da v njihovem imenu glasujejo o klju\u010dnih vpra\u0161anjih o napravah DAI in MakerDAO. Teoreti\u010dno je torej DAI precej decentraliziran.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vendar pa kot ve\u010dina drugih \"decentraliziranih\" projektov, <\/span><b>DAI je tudi precej centraliziran v svojem upravljanju zaradi zdru\u017eevanja MKR token v rokah pe\u0161\u010dice. <\/b><span style=\"font-weight: 400;\">Med temi zainteresiranimi stranmi so vlagatelji tveganega kapitala in ustanovitelji ter upravljavci DAI. Ustanovitelj podjetja MakerDao Christensen ima v ekosistemu DAI ogromno mo\u010d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na primer, leta 2022 je MakerDAO sprejel sporen na\u010drt glede prihodnosti stabilnegacoin, zahvaljujo\u010d Christensenovim lastni\u0161tvom MKR. To pomeni, da so odlo\u010ditve v zvezi s projektom dejansko precej centralizirane.<\/span><\/p>\n<p><b>Po drugi strani je izdajatelj USDC Circle zasebno, centralizirano podjetje. Zato podjetje nadzoruje postopek kovanja USDC ter vse pomembne odlo\u010ditve v zvezi s prihodnostjo projekta.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Market_Capitalization\"><\/span><span style=\"font-weight: 400;\">Tr\u017ena kapitalizacija<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Najve\u010dja razlika med USDC in DAI je njuna tr\u017ena vrednost.<\/b> <b>USDC je drugi najve\u010dji stabilnicoin po tr\u017eni vrednosti. Po drugi strani je DAI \u0161ele na \u010detrtem mestu.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">USDC sprejema ve\u010dina mainstream institucij in z njim je mogo\u010de trgovati proti skoraj vsem altcoins. DAI je v primerjavi z USDC \u0161e vedno precej ni\u0161ni stabilnicoin.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_Associated_With_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Tveganja, povezana z USDC in 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;\">Tveganje, da bodo izgubili svoj klju\u010davni\u010dar<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Glavno tveganje pri stablecoins je nestanovitnost cen. Stabilnicoins lahko v dolo\u010denih okoli\u0161\u010dinah izgubijo vezavo na ceno, obi\u010dajno takrat, ko so njihove rezerve prenizke, da bi podprle \u0161tevilo token v obtoku.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Tak\u0161en scenarij je mogo\u010d, \u010de dru\u017ebe izdajateljice ne hranijo dovolj denarja in denarnih ustreznikov v rezervah ali \u010de so rezerve ukradene, izgubljene ali kako druga\u010de nedostopne.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stablecoins lahko v\u010dasih na kratko odstopajo od svoje dolarske vrednosti, vendar obi\u010dajno hitro povrnejo svojo ceno. \u010ce pa dogodku zmanj\u0161anja vrednosti ne sledi hitro okrevanje, se lahko cena spiralno zni\u017ea in povzro\u010di pla\u010dilno nesposobnost.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Obi\u010dajno to pomeni, da bo zadevni stabilni coin popolnoma propadel, s \u010dimer bo njegova vrednost v dolarjih izginila s trga, imetniki token pa bodo ostali brez vrednostnih token.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pri DAI in USDC se lahko pove\u010da tveganje, da bo pri\u0161lo do de-pegginga. Ker USDC sestavlja ve\u010dino zavarovanja DAI, je zato te\u017eava z 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;\">bi lahko spro\u017eila tudi dogodek odklopa za DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Ker sta DAI in USDC priljubljeni sredstvi v DeFi, bi lahko u\u010dinki padca cen povzro\u010dili valovanje po celotnem trgu kriptovalut.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Oglejmo si nekaj konkretnih primerov mo\u017enih te\u017eav:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Leta 2023 je Silvergate Bank (SVB), priljubljena institucija med kriptopodjetji, razglasila ste\u010daj. Takrat, <\/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 je imela pribli\u017eno 3,3 milijarde vlog iz USDC<\/span><\/a><span style=\"font-weight: 400;\">, kar je znaten znesek, ki predstavlja velik del rezerv USDC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Novica o ste\u010daju SVB je povzro\u010dila, da je USDC izgubil vezavo na dolar. \u010ceprav je Circle hitro zagotovil vlagateljem, da ima potrebna sredstva za kritje manjkajo\u010dih 3,3 milijarde USD, je dogodek razkril, da so tudi stabilne coins, ki temeljijo na denarju <\/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;\">ob\u010dutljivi na tr\u017ene pomanjkljivosti.<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC je prenehal nara\u0161\u010dati \u0161ele po tem, ko so regulatorji sporo\u010dili, da <\/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;\">vlagatelji bi ponovno pridobili dostop do svojih sredstev.<\/span><\/a><span style=\"font-weight: 400;\">. Obi\u010dajno zavarovanje vlog pri FDIC krije le do 250.000 USD, kar je precej manj od vlog pri SVB.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Seveda bi odprava vezave USDC dolgoro\u010dno \u0161kodovala tudi DAI, \u010de sredstvo ne bi moglo povrniti svoje vezane cene. Vendar to \u0161e ni vse. DAI je zavarovan tudi z razli\u010dnimi drugimi token, vklju\u010dno z USD (GUSD) dru\u017ebe Gemini.<\/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 potencialno tveganje za DAI<\/span><\/a><span style=\"font-weight: 400;\"> ker so tudi sami Dvoj\u010dki v resnih finan\u010dnih te\u017eavah. Gemini je po propadu podjetja Genesis, ki je upravljalo program Gemini Earn, izgubil pribli\u017eno 900 milijonov USD. \u010ce bodo Geminijeve finance propadle in bodo cene GUSD padle, bi to lahko dodatno ogrozilo rezerve DAI.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Legal_and_Financial_Risks\"><\/span><span style=\"font-weight: 400;\">Pravna in finan\u010dna tveganja<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kot smo pojasnili, so stablecoins odli\u010dne vstopne in izstopne to\u010dke na trgu kriptovalut. Stabilicoins lahko kupite na borzi in jih po\u0161ljete kamor koli po svetu ter tako prenesete velike zneske denarja.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ker se regulatorji vse bolj zavedajo, kako se uporabljajo stabilnicoins, postajajo vse bolj previdni, da bi dovolili, da se ta sredstva po svetu gibljejo brez regulacije.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kot veste, je glavna prodajna to\u010dka kriptovalut, kot je coins (zdaj stablecoins), hitro in brezmejno poslovanje, ki ga ne ovira draga in dolgotrajna birokracija ban\u010dnega sveta.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To je sicer privla\u010den predlog, vendar tudi popolnoma zanemarja, zakaj tradicionalno ban\u010dni\u0161tvo deluje na tak na\u010din. Banke uporabljajo razli\u010dne vrste predpisov z razlogom, da bi prepre\u010dile pranje denarja, financiranje terorizma in druge kriminalne dejavnosti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V zadnjih letih so organi za\u010deli spremljati, kako se transakcije stablecoin uporabljajo za nezakonite prenose sredstev med akterji, in sprejemajo ukrepe za temeljitej\u0161o ureditev teh sredstev.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na primer, ko je Urad za nadzor tujih sredstev <\/span><a href=\"https:\/\/home.treasury.gov\/news\/press-releases\/jy0916\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">nalo\u017eil sankcijo dru\u017ebi Tornado Cash<\/span><\/a><span style=\"font-weight: 400;\"> leta 2022 so morale borze kriptovalut uvrstiti ve\u010d denarnic, povezanih s Tornado, na \u010drno listo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tornado Mixer je anonimna storitev trgovanja za prikrivanje digitalnih sledi v verigi blokov in se lahko uporablja za kr\u0161enje sankcij OFAC in pranje denarja.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po ukazu je podjetje Circle na \u010drno listo uvrstilo 38 naslovov denarnic, v katerih je bilo vsaj 75.000 USDC. To je za Circle relativno majhen znesek (v primerjavi s SVB je imel 3,3 milijarde USD), vendar je v kripto ekosistemu vseeno spro\u017eil alarm o tem, kako lahko predpisi ogrozijo nalo\u017ebe v kriptovalute.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010ceprav se kriptovalute pogosto tr\u017eijo kot storitve, ki jim vlada koda, morajo te storitve za svoje delovanje upo\u0161tevati pravila in predpise finan\u010dnega sveta.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where_Can_You_Buy_USDC_and_DAI\"><\/span><span style=\"font-weight: 400;\">Kje lahko kupite USDC in DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">USDC in DAI lahko kupite na skoraj vseh borzah s kriptovalutami. Najve\u010dji trgi za DAI so <a href=\"https:\/\/coinkickoff.com\/sl\/binance-review\/\" data-internallinksmanager029f6b8e52c=\"152\" title=\"Binance Mnenja 2024: Lastnosti, pristojbine, varnost, prednosti in slabosti\">Binance<\/a>, <a href=\"https:\/\/coinkickoff.com\/sl\/coinbase-review\/\" data-internallinksmanager029f6b8e52c=\"142\" title=\"Coinbase Mnenja 2024: Lastnosti, pristojbine, varnost, prednosti in slabosti\">Coinbase<\/a>, Uniswap in <a href=\"https:\/\/coinkickoff.com\/sl\/kraken-review\/\" data-internallinksmanager029f6b8e52c=\"171\" title=\"Kraken Reviews 2023: Pristojbine, funkcije, varnost, prednosti in slabosti\">Kraken<\/a>. Podobno so najve\u010dji trgi za USDC Binance, Kraken, Uniswap in <a href=\"https:\/\/coinkickoff.com\/sl\/kucoin-review\/\" data-internallinksmanager029f6b8e52c=\"153\" title=\"KuCoin Mnenja 2023: Pristojbine, varnost, prednosti in slabosti\">Kucoin<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ve\u010dina centraliziranih borz omogo\u010da nakup DAI in USDC s fiat valutami, kot so USD ali EUR, prek spletnih ban\u010dnih metod, vklju\u010dno z ban\u010dnimi prenosi, kreditnimi in debetnimi karticami ter tretjimi ponudniki pla\u010dil.<\/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\">Ve\u010dina 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> Navedene kriptovalute<\/li><li><strong>&lt;0.10%<\/strong> Pristojbine za transakcije<\/li><li><strong>120 milijonov<\/strong> Registrirani uporabniki<\/li><li>Varen sklad premo\u017eenja za uporabnike<\/li><li>Zaslu\u017eek na depozitih<\/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 z delom<\/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\">Ve\u010dina dr\u017eav<\/div><\/div><a href=\"https:\/\/kraken.pxf.io\/756J3y\" target=\"_blank\" rel=\"nofollow noopener\" class=\"cg-aff-link cg-cb-img\" data-post-title=\"Kraken\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-type=\"top\" data-post-id=\"127750\"><img decoding=\"async\" src=\"https:\/\/coinkickoff.com\/wp-content\/uploads\/Kraken-logo.webp\" class=\"cg-img-1\" alt=\"Kraken\" style=\"\"><\/a><div class=\"cg-cb-title\"><a href=\"https:\/\/kraken.pxf.io\/756J3y\" class=\"cg-aff-link\" data-post-id=\"127750\" data-post-type=\"top\" data-aff-link=\"https:\/\/kraken.pxf.io\/756J3y\" data-post-title=\"Kraken\" target=\"\" rel=\"nofollow noopener\">Kraken<\/a><\/span><\/div><div class=\"cg-cb-content\"><ul><li>S sede\u017eem v ZDA<\/li><li>Za\u010dnite s \u010dim manj <strong>$10<\/strong><\/li><li>Nakup in prodaja <strong>200+<\/strong> kriptovalute<\/li><li>Pro re\u0161itev za ve\u010dje trgovce<\/li><li>Na voljo v <strong>190+<\/strong> dr\u017eave<\/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 z delom<\/a><\/span><\/span><\/div><\/div><div class=\"cg-cb-items\" id=\"product-265822\"><div class=\"cg-cb-top-head\"><div class=\"cg-cb-top-pick\">S sede\u017eem v ZDA<\/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> Navedene kriptovalute<\/li><li>Pridobite kriptovaluto po prvem nakupu<\/li><li>Za\u0161\u010diteni z zavarovanjem&nbsp;<\/li><li>Varno shranjevanje z za\u0161\u010dito trezorja<\/li><li>Najbolj zaupanja vredna platforma za kriptovalute<\/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 z delom<\/a><\/span><\/span><\/div><\/div><\/div><\/div>\n\n<p><span style=\"font-weight: 400;\">DAI lahko pridobite tudi tako, da zaklenete zavarovanje prek <\/span><a href=\"https:\/\/oasis.app\/borrow\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Portal Oasis Vault<\/span><\/a><span style=\"font-weight: 400;\"> ali <\/span><a href=\"https:\/\/debank.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">DeBank<\/span><\/a><span style=\"font-weight: 400;\"> in . <\/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;\">Kako lahko zamenjate USDC za DAI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">USDC lahko zamenjate za DAI na ve\u010dini borz kriptovalut. Uniswap in Curve ponujata velike trge USDC\/DAI, lahko pa preverite, ali va\u0161a kripto borza navaja pare USDC\/DAI.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Future_Plans_for_Circle_and_DAI\"><\/span><span style=\"font-weight: 400;\">Prihodnji na\u010drti za Circle in DAI<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Odredba OFAC proti podjetju Tornado Mixer in ste\u010daj banke Silvergate Bank (SVB) sta bila pomembna dogodka za podjetji USDC in DAI. Prihodnost obeh sredstev je odvisna od tega, kako se bodo ljudje, odgovorni za upravljanje teh sredstev, odzvali na te ovire.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MakerDAO je v zadnjih mesecih sprejel ve\u010d na\u010drtov, ki lahko pomenijo velike spremembe za stablecoin. Pravzaprav ostaja odprto vpra\u0161anje, ali bo DAI ostal stabilencoin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podrobneje si oglejmo prihodnje na\u010drte za DAI in USDC.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Leta 2022 je skupnost MakerDAO glasovala o spornem na\u010drtu Runeja Christensena za prihodnost DAI, imenovanem \"<\/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 glasen zagovornik \"trajnostnih financ\" in ukrepov proti globalnemu segrevanju, na\u010drt \"kon\u010dne igre\" pa je sestavljen iz ve\u010d scenarijev za re\u0161evanje njegovih finan\u010dnih in okoljskih skrbi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na\u010drt je sestavljen iz treh faz in \u0161tevilnih gibljivih delov, ki jih lahko skupnost MakerDAO s\u010dasoma izvede.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kratkoro\u010dni cilj je zaslu\u017eiti \u010dim ve\u010d denarja, da bi lahko kupili ve\u010d ETH za prihodnost DAI. Ker DAI \u017ee temelji na Ethereum, Christensen trdi, da je smiselno staviti na ETH in ne na USDC in druge stabilne coins.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dolgoro\u010dni cilj 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;\">zmanj\u0161anje rezerv DAI's USDC<\/span><\/a><span style=\"font-weight: 400;\"> za zagotovitev varovanja rezerv. Dolgoro\u010dno na\u010drt zahteva, da dru\u017eba MakerDAO vlaga v realna sredstva, da bi <\/span><a href=\"https:\/\/finance.yahoo.com\/news\/makerdao-approves-deployment-100m-usdc-184700831.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">diverzificirati rezerve DAI<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na\u010drt predvideva nakup nepremi\u010dnin ter vladnih in <\/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;\">podjetni\u0161ke obveznice<\/span><\/a><span style=\"font-weight: 400;\"> za za\u0161\u010dito pred nestabilnostjo kriptovalut.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V kon\u010dni fazi na\u010drt predvideva izlo\u010ditev DAI iz USD, da bi postal prosto gibljivo sredstvo. To je pogojeno z ve\u010d drugimi pogoji, vendar ostaja realna mo\u017enost v prihodnosti, odvisno od tega, kako se bo razvijalo gospodarstvo kriptovalut.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podjetje Circle pa je za ve\u010djo stabilnost izbralo druga\u010den pristop. Tarleton Watkins iz podjetja Circle je predlagal, da bi bilo najbolje, \u010de bi stabilnocoin <\/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;\">imajo dolarske rezerve pri Fed.<\/span><\/a><span style=\"font-weight: 400;\"> namesto bank, kot je SVB. To bi zagotovilo varnost rezervnih skladov brez tveganja ste\u010daja, kar se imenuje model polnih rezerv Fed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ste\u010daj SVB je razkril grenko ironijo v osr\u010dju kriptovalut: Neko\u010d je bilo kriptovalutno gospodarstvo razgla\u0161eno za prelom s tradicionalnimi finan\u010dnimi institucijami, kot so banke. Bitcoin se je proslavil kot bojni krik proti propadajo\u010demu ban\u010dnemu sistemu, ki je svoje te\u017eave raztovoril na javnost tako, da je ta pla\u010dala za napake propadajo\u010dih ban\u010dnih institucij.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vendar zadnja kriza s SVB in USDC ka\u017ee, da stvari niso tako preproste.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">USDC je uspelo ponovno vzpostaviti 1 USD vezavo \u0161ele potem, ko sta Federal Reserve in Ministrstvo za finance odpravila omejitev kritja FDIC za SVB. Federal Reserve je za\u010dela izvajati nov program za terminsko financiranje bank, da bi zmanj\u0161ala morebitne izgube zaradi propada SVB, ki ga ameri\u0161ko ministrstvo za finance podpira s skladom v vi\u0161ini 25 milijonov USD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kljub o\u010ditnim te\u017eavam z organi se lahko regulatorji dolgoro\u010dno izka\u017eejo za re\u0161itelje kriptovalut.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Stabilni coins, kot sta USDC in DAI, so vezani na USD ena proti ena, kar pomeni, da je njihova cena stabilna. Zaradi tega jih je mogo\u010de uporabiti za nakup in trgovanje z drugimi kriptovalutami ali vlaganje v projekte DeFi. V tem pregledu USDC proti DAI bomo pojasnili razlike med obema stabilnima coins ter navedli tveganja in prednosti trgovanja z njima.<\/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\/sl\/author\/ianw\/"},"_links":{"self":[{"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/posts\/3389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/comments?post=3389"}],"version-history":[{"count":3,"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/posts\/3389\/revisions"}],"predecessor-version":[{"id":4311,"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/posts\/3389\/revisions\/4311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/media\/2920"}],"wp:attachment":[{"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/media?parent=3389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/categories?post=3389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/coinkickoff.com\/sl\/wp-json\/wp\/v2\/tags?post=3389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}