交易所DEX+

A stablecoin is a stable cryptocurrency backed by fiat currency, cryptocurrencies, or other assets like gold. Its purpose is to anchor the value to fiat currencies such as the US dollar or Euro. ItA stablecoin is a stable cryptocurrency backed by fiat currency, cryptocurrencies, or other assets like gold. Its purpose is to anchor the value to fiat currencies such as the US dollar or Euro. It

新手学院/区块链百科/基础概念/What is Stablecoin?

What is Stablecoin?

Jul 16, 2025

#Basic #Basic Concepts

STABLE$0.028065-1.54%

A stablecoin is a stable cryptocurrency backed by fiat currency, cryptocurrencies, or other assets like gold. Its purpose is to anchor the value to fiat currencies such as the US dollar or Euro. It combines the decentralized nature of blockchain with real-world fiat currency prices, thus avoiding drastic price fluctuations. Stablecoins are usually used as a medium of exchange.

The earliest stablecoin was USDT (Tether), introduced by Tether Limited in 2014. It is pegged to the US dollar at a 1:1 ratio. Tether claims that for every USDT issued, a corresponding number of US dollars are held in its official account. This ensures that the USDT tokens issued have an equivalent amount of USD as collateral, maintaining a 1:1 exchange ratio between USDT and USD. Moreover, users can verify funds on the Tether platform, ensuring transparency. In theory, this provides users with a high level of security and usability in terms of asset experience.

Additionally, stablecoins like USDC and DAI, which are popular among users, also peg their value to the US dollar and maintain a 1:1 exchange ratio.

1.Classification and Pros and Cons of Stablecoins

Stablecoins are typically categorized into three types: fiat-collateralized stablecoins, cryptocurrency-collateralized stablecoins, and algorithmic stablecoins.

Fiat-collateralized stablecoins are the most popular stablecoins in the market. They are directly pegged to fiat currency at a 1:1 ratio, such as the aforementioned USDT and USDC. The drawbacks of this type of stablecoin include centralization, lack of transparency, and the absence of reserve funds and guaranteed token redemption. Questions regarding whether the USD reserves are sufficient, whether issuing empty tokens could create market bubbles, the security of USD reserves, and the risk of misappropriation of collateral continue to raise concerns.

Cryptocurrency-collateralized stablecoins are similar to fiat-collateralized stablecoins but differ in using cryptocurrencies as collateral, as seen with DAI. The collateral itself is a decentralized cryptocurrency, which addresses credibility issues. This method enables users to create stablecoins by locking up collateral exceeding the total stablecoin amount. However, the challenge lies in the collateral itself, which is a digital asset prone to significant price fluctuations and lacks resilience against unforeseen events.

Algorithmic stablecoins, also known as non-collateralized stablecoins, do not require collateral or any other valuable assets for backing. Their value pegging is entirely achieved through algorithms and smart contracts. Smart contracts manage the supply of issued tokens, and stable prices are maintained through the deflationary/expansionary nature of the token supply, as seen in CrvUSD, FEI, and more. The downside of these stablecoins is that stability is usually maintained by centralized mechanisms, and monetary policies remain complex, unclear, unproven, with potentially inadequate incentive measures. Most projects of this type experience high volatility, and extreme situations can lead to price declines or even collapses, as seen in May 2022 when Luna's algorithmic stablecoin, UST, collapsed.

2.Why Do We Need Stablecoins?

The emergence of stablecoins is grounded in practical necessity. In contrast to fiat currencies, the cryptocurrency market is often volatile—token values often fluctuate significantly from their initial values—making it difficult for investors to store their digital assets. Stablecoins address this issue by being closely tied to underlying assets or fiat currencies, ensuring a stable valuation. Therefore, they can be considered trustworthy safe-haven assets in turbulent markets, as stablecoins can maintain their stability through various mechanisms.

3.Should You Invest in Stablecoins?

Stablecoins offer us a stable digital channel to maintain the stability of our profits. They provide liquidity and serve as a more stable form of decentralized cryptocurrency. However, stablecoins are primarily a means of exchange and collateral, lacking inherent investment qualities.

4.Conclusion

In conclusion, despite their limitations, stablecoins remain an essential part of the cryptocurrency market. Stablecoins are cryptocurrencies backed by assets with valuation, and under various regulatory mechanisms, they can maintain stability within predefined ranges. Therefore, stablecoins not only serve as transactional mediums but also become a "safe haven" for traders and investors, seen as a highly secure locus of long-term investment. If you want to acquire stablecoins, you purchase them quickly and easily on MEXC.

市场机遇

STABLE实时价格 (STABLE)

$0.028065

$0.028065$0.028065

+0.19%

USD

STABLE (STABLE) 实时价格图表

热门加密动态

了解 StableChain：集成 USDT 的下一代区块链

StableChain 代表了区块链技术的一次变革性进步，开创了一种将 USDT 作为原生燃料货币的设计。通过利用 USDT——与美元挂钩的领先稳定币——作为交易费用，StableChain 消除了传统区块链燃料代币常见的波动性。这一创新为企业级采用创造了一个稳定、可预测的经济环境，尤其是在支付处理和国际汇款方面。该网络的架构以提供基于美元的交易为中心，避免了波动的燃料价格带来的不确定性，从而使区

2025/12/11

STABLE价格预测2026：投资展望与MEXC交易指南

核心概览 STABLE是USDFI协议的原生治理代币,采用独特的永续回购机制和创新的双ve代币经济模型。作为USDFI生态系统的核心组成部分,STABLE持有者可获得协议费用和激励回报,年通胀率仅为7%。当前STABLE价格约为$1.93(截至2025年11月数据),市值约193万美元。本文将深入探讨STABLE的运作机制、发展历程以及2026-2030年价格预测,并介绍如何在全球领先的MEXC交

2025/11/19

什么是 State Street SPDR S&P 500 ETF Trust (SPY)？

State Street SPDR S&P 500 ETF Trust (SPY) 是全球股市中最重要的金融工具之一——它不仅是散户眼中的一只“基金”，更是美国大盘股风险的市场准入层。当人们说他们“买入了市场”时，通常意味着他们买入了 SPY：这是一种旨在追踪标准普尔 500 指数 (S&P 500) 的高流动性 ETF，并像股票一样具有即时交易性。 SPY 的影响力是结构性的。它是业绩的基准，是

2026/02/06

什么是 Robinhood Markets (HOOD) 股票？深度解析这款让投资成为习惯的 App

Robinhood Markets 的故事就是关于消除摩擦的故事。以前，开设证券账户意味着繁琐的文书工作和层层审批；Robinhood 让这一切变得像点击手机一样简单。对于研究美国市场的投资者来说，HOOD 股票处于一个独特的十字路口：它既是金融科技平台，又是市场基础设施客户，既是消费品牌，也是监管的“避雷针”。要理解为什么这只股票会随着市场情绪、利率和政策头条而波动，你必须理解它的本质：一个将注

2026/01/30

热门新闻

POL 2026年1月12日:上升趋势中的深度调整与关键水平

帖子 POL 2026年1月12日:上升趋势中的深度回调和关键水平发表于 BitcoinEthereumNews.com。POL在保持强劲上涨的同时

2026/01/14

POL:涨还是跌?2026年1月13日情景分析

帖子《POL:涨还是跌?2026年1月13日情景分析》发表于BitcoinEthereumNews.com。POL正处于$0.15水平的关键十字路口。尽管

2026/01/14

2025年12月美国通胀率稳定在2.7%

根据美国劳工统计局数据,2025年12月美国通胀率稳定在2.7%。

2026/01/14

山寨币因抛售压力回落至底部价格

帖子《山寨币因抛售压力回归底部价格》发表于 BitcoinEthereumNews.com。// 价格阅读时间：5分钟发布时间：2026年1月14日

2026/01/15

合约爆仓相关常见问题专题汇总

1. 什么是强平？强平，即强制平仓，或称为爆仓，是指当平台自动关闭用户的仓位时发生的情况。在 MEXC 平台上，保证金比率是衡量用户仓位风险情况，是用户资产风险的指标。当保证金比率达到或超过 100% 时，系统将强制平仓用户的仓位。建议用户密切关注其保证金比率的变化，以避免被强平。2. 什么触发了 MEXC 的强平？MEXC 采用合理价格作为强平的触发标准。当合理价格达到强平价格时，强平机制将被触

2026/02/11

什么是事件合约？一种简单快捷的合约交易方式

加密货币合约交易以其高杠杆和多空双向获利的能力吸引了无数投资者，但其复杂的机制——保证金、杠杆、强平价格等，也让许多新手望而却步。为了降低衍生品交易的门槛，MEXC 创新性地推出了事件合约（原预测合约）。它摒弃了传统合约的复杂性，将交易回归到最核心的本质：判断涨跌。*BTN-开启您的合约交易之旅&BTNURL=https://www.mexc.com/futures/BTC_USDT *1. 什么

2026/02/06

MEXC 可用和受限国家/地区说明

MEXC 致力于为用户打造一个便捷高效安全的交易平台，助力全球加密爱好者探索加密世界。同时 MEXC 坚持最高标准的监管合规性，以负责任的态度履行对用户的承诺，积极为区块链行业的可持续发展贡献力量。您可以通过我们的用户协议，阅读查看当前受限的国家/地区，确认自己所处区域是否支持使用 MEXC 服务。1. 禁止使用的国家/地区名单目前，MEXC 不向以下国家/地区提供服务，也不接受用户注册或交易申请

2026/02/03

跟单交易员教程

跟单交易是一种加密货币交易的投资策略，允许投资者自动复制其他经验丰富的交易员的交易行为。跟单交易对于没有太多专业知识储备或交易经验的新手来说，是非常友好的投资策略。对于拥有丰富经验的交易用户来说，您可以申请成为跟单交易员，在赚取交易收益的同时还能够享受到分润奖励。1. 如何成为跟单交易员打开 MEXC 官网，选择【合约交易】下的【AI 跟单】进入跟单交易页面。在跟单交易页面，点击【成为交易员】。按

2026/02/03

What is Stablecoin?

1.Classification and Pros and Cons of Stablecoins

2.Why Do We Need Stablecoins?

3.Should You Invest in Stablecoins?

4.Conclusion

热门文章

OpenAI 击败 Meta 夺得 OpenClaw 创始人

美国1月CPI降至2.4%，美股集体反弹

黄金分析：为何它是“终极信用资产”，以及如何在 MEXC 上交易

亚马逊 (AMZN) 2000亿豪赌引发熊市：为何华尔街在抛售，以及如何在周末做空

热门加密动态

了解 StableChain：集成 USDT 的下一代区块链

STABLE价格预测2026：投资展望与MEXC交易指南

什么是 State Street SPDR S&P 500 ETF Trust (SPY)？

什么是 Robinhood Markets (HOOD) 股票？深度解析这款让投资成为习惯的 App

热门新闻

POL 2026年1月12日:上升趋势中的深度调整与关键水平

POL:涨还是跌?2026年1月13日情景分析

2025年12月美国通胀率稳定在2.7%

山寨币因抛售压力回落至底部价格

相关文章

合约爆仓相关常见问题专题汇总

什么是事件合约？一种简单快捷的合约交易方式

MEXC 可用和受限国家/地区说明

跟单交易员教程