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2022-09-12 17:38:51

『壹』中国发行的稳定币叫什么

加密数字货币市场的稳定币恰如其名，指价格波动性较低的加密货币。这里的稳定是一个相对的概念，与比特币等主流数字货币的波动性相比，法币与黄金无疑是两种价格稳定的通货。法币发行量基于国家经济体量而定，并由国家信用背书，在政府不作恶、经济稳定时期的法币便可以保持其价值稳定。黄金因为其储量有限、化学性质稳定、易分割等原因，在历史上始终具有保值特性，被称为天然的货币，如果可以将数字货币的价值与某种认可度高的法币或黄金相锚定，此种数字货币便可以保持价格的稳定性。哈耶克在《货币的非国家化》中认为货币价值的稳定性是货币认可度的关键因素，只有货币的购买力稳定，也就是对于商品总体的支配力基本保持平稳，日常支付和很多金融市场功能才可以实现。而现有的主流数字货币波动性较大，并不适合用来日常支付。为了创造一种稳定的数字货币，通常需要确定以下两个要素：
锚定利率
稳定货币与锚定物维持的稳定比率，现有数字货币的模型当中大多首先选择以1:1的汇率锚定美元或其他货币资产，以黄金为锚定物的Digix以1DGX=1g黄金的价格与黄金挂钩。
二、为什么我们需要稳定币
从现实层面来说，随着越来越多国家禁止法币交易对，投资者需要一种能够替代法币进行价值锚定的媒介进行交易，衡量持有数字货币的价值。此时稳定数字货币的概念更偏重于与某个法币或者现实资产进行锚定。
从理想层面来说，目前国家发行的法定货币体系是决策中心化的，货币的发行完全掌握在国家手中，一个国家的政治不稳定、经济危机、政府政策错误等原因都有可能导致法币价值的不稳定。此时，去中心化货币给人们提供了另外一种维持购买力的选择，避免因为货币问题产生连环效应，进一步造成经济和社会问题。届时，稳定数字货币的概念将更类似于当前货币体系，锚定于某个物价水平、经济体量以及货币需求。比特币等数字货币给规避中心化的法币风险提供了新的思路，然而主流数字货币的价格波动率阻碍了数字货币的大规模市场应用及其他场景的实现。
金融市场交易也需要数字货币的价格保持稳定。货币是金融的基础，金融市场中，对冲风险、衍生品、杠杆交易、期权等金融交易本身是对市场风险的预测与平衡，如果数字货币本身要对未来承担极端的价格风险，信贷和债务市场便很难基于价格不稳定的数字货币形成。如果有价格稳定的数字货币去实现将变得更加安全快捷，因此赋予货币稳定价值对金融市场具有重要意义。
三、稳定币家族史
稳定币1.0：USDT和它强有力的竞争对手们
稳定币1.0，即中心化资产抵押模式，用现实世界中的资产进行抵押，创造出数字世界中的稳定货币，第一个也是最典型的案例便是Tether公司发行的USDT。
USDT，中文名称为泰达币。每一个发行流通的Tethers都与美元一比一挂钩，相对应的美元总量存储在香港Tether有限公司，在以美元为计量单位时，抵押品的价值不存在任何波动风险。
USDT的优点在于其原理简单，直接以足额的美金作为抵押资产，使其成为目前数字交易受用最广泛的稳定货币。然而USDT的缺点在于其过于中心化，市场对USDT透明度和缺乏监管的质疑声从未停止，面对美元储备是否足额，是否发行空气货币造成泡沫，美元储备银行的安全性如何，抵押美元是否被挪用，法币提现的实现困难等质疑，Tether公司始终声称自己拥有足额的准备金，但至今也没有公开自己的准备金账户审计数据。虽然有币圈大佬、Bitfinex的股东赵东和Big.one的首席执行官老猫声称看到了Bitfinex和Tether的银行账户有超额储备，但二人的口头承诺显然无法替代独立的第三方审计、更无法证明资金用途。
此外，USDT的发行公司Tether与全球最大的比特币交易所之一Bitfinex的管理团队高度重合，二者不清不楚的关系也一直为人诟病。2018年8月，Tether累计发行4.15亿美元的USDT，其市值已经高达到28亿美元，位列第八。USDT从2015年2月25日开始启动，价格波动区间在$0.92-$1.05，在2017年年中出现过较大的偏离。现每日交易量在30亿美金左右。

在USDT一家独大的情况下，传统的稳定币1.0阵营又多出了几个新的竞争对手。这些机构同样采用了中心化的1:1美元抵押，在监管和透明度上做出了不同程度的改善。
2018年3月，针对USDT信息化不透明性，TrustCoin推出的TUSD通过定期监管来减少风险。TrueUSD选择了多个第三方信托和银行账户来存放抵押保证金，个人可以直接看到抵押金在第三方账户的存放情况，抵押金的存放账户定期接受审计，并增加KYC（客户背景调查）和反洗钱审查（AML）等方式，客户的资金在银行账户中受到法律保护。
2018年9月，美国交易所Gemini和另外一个区块链创业公司Paxos同时获得了美国纽约金融服务局的批准并接受其监管，发行锚定美元的数字加密货币GUSD和PAX，每月都要进行账户审计。每一笔增发都在在美国金融监管部门的监管下确认有资金入账，这无疑为投资者增加了更可靠的数字货币入场和避险渠道。
作为稳定货币，足额的法币抵押最大程度的降低了抵押品价格变化的带来风险，除非发行方不维持足额的资金储备。虽然USDT依然一家独大，新出现的竞品很难在短时间动摇其地位，但后起之秀确实凭着更高的透明度和安全性得到了认可，也为担心USDT不透明风险的人提供了更可靠的选择。但高度的透明化也伴随着更加严格的KYC监管，隐私性也会因此弱化。对于注重隐私性需求的人，去中心化的稳定货币也许是更好的选择。
稳定币2.0：去中心化的保证金制度
稳定币2.0使用加密货币作为超额抵押，当抵押品的价格下跌时，用户可以及时补仓，否则将对抵押品进行强制清算用来保证稳定币价格。典型的案例有Bitshares，MakerDAO，Havven等。
Bitshares使用平台本身的代币作为抵押品，，而MakerDAO以ETH为抵押品，ETH作为仅次于BTC的第二大数字货币，价格基本反映了数字货币市场的整体风险，而Bitshare的价格相对ETH风险更大。因此，出现时间不到一年的DAI在价格和市值上都已经超过了同类型的Bitshares。
根据上图，BitUSD从2014年9月23日开始启用，基本在$0.7-$1.6之间波动，在2015年及2016年初的整体偏离度较大。现每日交易量在150万美金左右。
Dai从2017年12月27日开始启用，价格区间在$0.86-$1.06，在2017年3月有较大的偏离情况出现。现每日交易量在1000万美金左右。
加密的数字资产抵押的方式有几点好处，一是去中心化，信用风险下降，由完全透明的去中心化的智能合约执行，每个人都可以实时看到抵押货币的价格波动情况和合约执行机制，无需担心服务器关闭、企业不兑付等第三方信任风险，同时智能合约的执行方式也保证了抵押品直接被锁定，不会被用于多次质押，降低了抵押资产的信用风险。二能让存量的数字资产释放出流动性。在稳定币的价格低于锚定价格时，任何人都可以买入并赎回高于买入价的ETH来进行套利，从而让价格回归其锚定价格。
然而，使用虚拟数字货币作为抵押品的缺点也很明显，在解决了信用风险的同时，由于抵押品本身具有高波动性的特点，市场风险加剧，抵押数字货币资产的波动性要求数字货币在智能合约上存入数倍的价格超额抵押，在兑换时将抵押物赎回。对于BitUSD等比特资产来说，会受到Bitshares本身的风险影响，DAI以ETH为抵押品，虽然稳定性稍好，但是依然暴露在数字货币市场的整体风险之下，抵押品的稳定性比起与法币与黄金较差。虽然有强行平仓价格来保证比特资产价格稳定，但是平仓过程会造成稳定货币供给量的波动，人们手中的大量稳定货币被强行以平仓价卖出，给持有者造成损失。以加密货币作为抵押的稳定币2.0虽然维持了代币价格的稳定，却极易造成代币量的瞬间大幅下降，给实际应用造成不便。
稳定币3.0算法银行：经济学乌托邦何去何从
2018年初，大量基于算法银行机制的稳定币构想如雨后春笋般出现，并打响了稳定币3.0的名号，这些项目包括Basis（原Basecoin），CarbonMoney，，Kowala，Reserve等。然而就在各方在稳定机制的设计上各显神通之时，鲜有人注意到的是，2018年3月，市场上唯一的算法银行实践Nubits遭受了自2014年上市后的第二次崩盘，但这一次它没能像2016一样重塑价值。
在2016年5月，因为比特币价格上涨，大量Nubits稳定币被转手买入比特币。Nubits因需求的大幅下降发生了第一次崩盘。这次崩盘花了约三个月的时间才恢复，此后币价虽然也因买卖单的瞬时增加或减少出现短时间偏离，但总体依然维持着1美元的信任共识，直到2018年3月20日。从那以后，Nubit陷入了币价下跌引发的死亡循环，币价与市值呈现一路崩塌趋势。截至9月26日，Nubits的价格已经跌至锚定价格的十分之一。而且从团队态度、价格走势和社区信心来看，这次很难东山再起。
至此，算法银行稳定币在热度期退去后，原本被寄予厚望的项目Basis，Carbon等进度延期，唯一低调的实践项目Nubits崩盘，又正逢熊市来临，人们对手中代币的高度风险厌恶，这一切使得这个天然高风险的理论派在落地上遭遇了困境。
算法银行，又称SeigniorageShares，无需任何公司或资产作为背书，而是基于经济学中的货币数量理论，根据货币市场价值的变化来增加或减少货币的供给量，算法银行控制的货币发行方对货币供给的控制手段类似发行法币的政府或央行进行宏观调控的货币制度，不同的是，它使用去中心化的智能合约算法来代替中央银行实现这一过程。
总之，稳定币3.0的落地情况较为艰难，市面上还没有现存的成功项目可以参考。在年初的设想中，2018年应该是算法银行机制各显神通的时候，但因为技术水平受限、市场行情低迷等原因出现了落地困难。反而中心化但价格风险更小的稳定币1.0家族出现了很多新成员。但无论是稳定币2.0和3.0的去中心化稳定机制，还是USDT的一系列竞争者们对于抵押资产的监管正规化，都体现出了对公正透明机制的不懈追求和对区块链更多可能性的探索。
四、稳定币数据分析
稳定货币市值
截至2018年10月9日，市场上现有的稳定币中，可以看出USDT市值依然占据着绝对的主导地位，达到了28亿美元，约占据稳定币总市值的92%。而除USDT，TUSD，DAI和Bitshares外的其他稳定币市值仅占1%，在稳定币市场，USDT的地位短期内很难被撼动。
TUSD在2018年3月推出后，市值增长迅速，已经成为仅次于USDT的第二大稳定币，市值突破了一亿美元，Bitshares和DAI的市值也达到了千万美元级别。
稳定币的稳定性究竟如何
为了探究稳定币究竟有多稳定，我们参考了证券中跟踪误差（TrackingError）的计算方式来衡量稳定货币的价格相对于一美元产生的偏差。跟踪误差的计算方式如下：
其中TEi表示基金i的跟踪误差；n为样本数，TDTI为基金i在时间t内的净值增长率与基准组合在时间t内的收益率之差。跟踪误差的数学意义即一段时间内的样本数据与基准值的偏离度的标准差。应用这个概念可以衡量出稳定币价格偏离1美元的程度。我们选取了锚定1美元、现有价格数据时间跨度超过三个月的五种稳定币来进行分析。在计算了所有历史数据的跟踪误差后，我们得到以下对比：
由图可以看出，基于所有历史数据得到的结果，稳定性最好的稳定币为TUSD与DAI，USDT次之。但因为几种稳定货币的出现时间不同，USDT与Bitshares早在2014年就已经出现，经历了多次市场的巨大波动，而最晚的TUSD在2018年3月才上市。
为了排除早期市场波动对稳定币价格造成的影响，我们选取了自2018年4月以来几种稳定币的价格跟踪误差加以观察。
从跨度一致的近半年的时间轴来看，USDT不仅在市值上遥遥领先，也是是锚定误差最小的稳定币。其次是后来居上的TUSD与DAI，二者的稳定程度不相上下，而Nubits已经难以维持其锚定价格。
对于Nubits反常的偏离度，我们可以由几种稳定币的价格走势中一探究竟。
于2014年面世的Nubits是算法银行的稳定币机制在市场上的唯一实践项目，2018年3月20日起Nubit陷入了币价下跌引发的死亡循环，币价与市值呈现一路崩塌趋势。截至10月8日，Nubits的价格已经跌至锚定价格的十分之一。
Nubits采用的算法银行是基于经济学中的货币数量理论，根据货币市场价值的变化来增加或减少货币的供给量，类似发行法币的政府或央行进行宏观调控的货币制度，不同的是，它使用去中心化的智能合约算法来代替中央银行实现这一过程。但是在没有充足抵押物的前提下，很难让使用者认同其锚定的是1美元或者其他法币。2018年初，大量基于算法银行机制的稳定币构想如雨后春笋般出现，并打响了稳定币3.0的名号，这些项目包括Basis（原Basecoin），CarbonMoney，，Kowala，Reserve等，它们采取不同的机制来解决算法银行的信任与稳定问题，但因为技术水平受限、市场行情低迷等原因出现了落地困难，但无论如何，算法银行作为一种去中心化的稳定币值得进一步探究。
在剔除Nubit后，可以更清晰的看出USDT，TUSD，DAI，BitUSD四种稳定币的波动，其中BitUSD从2014年9月23日开始启用，波动率较大，频繁出现偏离锚定价格10%以上的情况，最高时已经超出了20%。DAI从2017年12月27日开始启用，价格区间在$0.86-$1.06，在2017年3月有较大的偏离情况出现。现每日交易量在1000万美金左右。
从数据和走势图总都可以看出，USDT、TUSD、DAI在稳定性上表现最好，价格在近一年来只有少数情况下会浮动至5%以上，例如2018年5月，币安交易所公布TUSD上币消息后，市场因部分人群不了解TUSD性质大量买入造成了暴力拉升。这也侧面证明了稳定币的价值有很大程度依赖于人们对于其价值的共识。
从市值和稳定性来看，USDT，TUSD与DAI是稳定币毫无争议的TOP3，然而稳定数字货币的发展还在不断尝试和探索阶段，无论是稳定币2.0和3.0的去中心化稳定机制，还是USDT的一系列竞争者们对于抵押资产的监管正规化，都体现出了对公正透明机制的不懈追求和对区块链更多可能性的探索，我们期待着更多稳定货币在市场上的精彩表现。
五、稳定数字货币的风险
1.各国央行的数字货币计划的竞争风险
区块链技术与数字货币市场的繁荣发展也引起了各国央行的关注，包括中国在内的很多国家都对数字货币表现出了积极态度，并将国家法定数字货币的发行计划提上日程。委内瑞拉拟推出数字货币Petro，英格兰银行（BoE）研究部门自2015年以来一直在研究数字货币，可能会发行自己的数字货币。2017年10月，俄罗斯政府宣布将发行官方数字货币CryptoRuble（“数字卢布”），瑞典在研究发行电子克朗，韩国央行于2018年1月也将组建一个专门从事加密货币研究的团队。
中国监管层反复提示虚拟货币及CROWDSALE存在风险，7部门在《关于防范代币发行融资风险的公告》中指出，代币发行融资中使用的代币或虚拟货币不由货币当局发行，不具有法偿性与强制性等货币属性，不具有与货币等同的法律地位，不能也不应作为货币在市场上流通使用。并于2017年9月叫停CROWDSALE、关停虚拟货币交易平台。然而2014年起，中国人民银行就成立了专门的研究团队，并于2015年初进一步充实力量，对数字货币发行和业务运行框架、数字货币的关键技术、数字货币发行流通环境等展开了深入研究。2016年1月20日，中国人民银行在北京举行数字货币研讨会，明确了央行发行数字货币的战略目标。
国家发行的法定数字货币是现有法币的改良，在世界范围内认可度受限，而且它依然是一种中心化货币，无法保证隐私性，也无法规避经济危机或货币政策错误造成的风险。
但国家推行的法定数字货币由国家背书并强制使用，这一过程极有可能伴随着对数字货币监管政策的收紧。此外，法定数字货币应用了区块链技术，也可以满足人们对于数字货币用于日常支付的需求，因此会对加密稳定货币造成一定的冲击。
2.锚定物价值不稳定
现有稳定货币锚定物包括美元、其他稳定货币、黄金等，但锚定货币的价值在复杂的经济当中也存在风险，当锚定物价值发生大幅度波动时，各稳定货币若没有做出及时调整，将加剧整个金融市场的风险。
针对各类风险，代币在白皮书中也提出了很多应对措施。例如DAI提出了目标价变化率反馈机制，当市场出现不稳定的时候此机制会根据敏感度参数被启动，使得DAI保持美元的标价，但是脱离与美元的固定比率。敏感度参数由MKR持有者设置，但是目标价和目标价格变化率一旦启动，就直接由市场决定。当出现严重紧急情况时，全局清算步骤被触发，保证DAI和CDP持有者都会收到可兑换的资产净值。
3.其他黑天鹅事件
黑天鹅常常指经济危机，或者极小概率发生、但是会产生系统性，重大负面连锁影响的事件。包括经济危机，抵押资产出现问题，政府出台监管政策等。黑天鹅事件具有较大不确定性，一旦出现，将对数字货币的稳定性造成巨大冲击。
六、稳定数字货币的发展
稳定数字货币的发展如何依赖于人们对数字货币的认可度与接受度如何。在现今阶段，大部分人对数字货币的认知还停留在价格波动大的比特币、以太坊等主流数字货币上，因此对数字货币作为投资品的认知超过了其作为交换工具的功能。稳定数字货币的出现有利于人们逐渐接受数字货币，并在世界范围内广泛使用来满足人们的日常消费需求。从几种稳定货币的白皮书规划及现实中存在的问题中看，未来稳定货币有以下几个发展方向：
1.锚定货币多样化
目前出现的几种稳定数字货币的计划发展路径，从锚定物上，先与某一种或几种世界性的货币锚定，最后在世界范围内被广泛承认并使用，并寻求更加真实的反映人们的购买力的方式。也就是说，在锚定物上，先从单一货币开始实行，并根据实际情况锚定多种主流货币，最终实现与物价挂钩的可能性。而锚定比率也将根据法币与物价的关系，从硬锚定转化为软锚定。

『贰』 USDT区块链会拥堵吗

无疑，USDT从诞生就是带着光环的，2017年下半年对于币圈是灾难，但是对于USDT却是机遇，凭借着其独特的稳定性优势迅速担负起了法币和代币之间的纽带，被各大交易所和广大的韭菜们们所认可，成为币圈公认的稳定币。但随着USDT的不断增发，对USDT的质疑声越来越多，“稳定币不稳定”“币圈印钞机”成为了USDT新的标签，加上美国政府对Tether的调查和监管，USDT的信任危机越来越严重，此次传出CNH就持续遭到币圈众多大佬的抵制，支持的声音寥寥无几。虽然USDT面临众多的质疑，但是我觉得USDT目前在币圈的地位短时间并没有什么很大的影响，崩盘更不至于，除非美国政府釜底抽薪，这种可能性不大。

『叁』你怎么看待USDT暴跌这个事，我们需要担心USDT会崩盘吗

USDT是泰达币，是和美元挂钩的数字货币，这个是法币，和其他数字货币不一样，怎么会崩盘呢

『肆』 usdt下跌说明什么

usdt下跌说明市场当中的波动较大，也说明投资者面对货币在市场当中并不是很看好。稳定货币和市场当中的法定货币的兑换，并没有建立一个比较顺畅的机制，所以如果usdt在市场当中出现了信用方面的危机，那么投资者可能会率先将此类货币兑换以太坊之类的，而不是美元，这时候就会导致其大幅度上涨。面对这种货币的下跌，很多投资者都表示，Usdt的背后是美元，所以完全崩盘的几率并不是很大。
拓展资料：
1、2021年10月17日，usdt暴跌，引发大量抛售。而在下跌之后，BTC/USD收盘时，小幅上升2%。与此同时，在亚洲市场开盘时，Tether的USDT/USD货币对跌破0.95。2021年10月15日，USDT遭遇大量恐慌性抛售，其价格一度暴跌13%。不过，这对货币在亚洲早盘交易时段开始获得动力，从此前接近6300的低点跃升至7800。
2、泰达币特点
1）稳定的货币
Tether将现金转换成数字货币，锚定或将美元、欧元和日元等国家货币的价格挂钩。
2）100%的人支持
在我们的外汇储备中，传统货币总是以1比1的价格支持每一种货币。所以1美元_总是等于1美元。
3）透明的
我们的外汇储备每天都在公布，并受到频繁的专业审计。流通中的所有东西总是与我们的储备相匹配。
4）区块链技术
Tether平台建立在区块链技术的基础之上，利用它们提供的安全性和透明性。
5）广泛的集成
Tether是最广泛的数字-法定货币。在Bitfinex,shapUNK,GoCoin和其他交易所使用tethers。
6）安全
Tether的区块链技术在满足国际合规标准和法规的同时，提供了世界级的安全保障。
USDT最大的特点是，它与同数量的美元是等值的，1USDT=1美元。使之成为波动剧烈的加密货币市场中良好的保值代币。

『伍』三个月回本的类似资金盘项目能维持多久。一人投入1.2w。

所谓资金盘，是指运用直销倍增原理，以滚动或静态的资金流通形式，拆东墙补西墙，用后加入会员的钱支付给前面会员的网络传销形式，本质是金字塔式传销诈骗。极具隐蔽性、欺骗性和社会危害性。资金盘不是指公开发行的公募私募基金，是指编撰各种极高回报率的故事，忽悠起老百姓的贪财欲望，进行地下集资的模式。这种集资很少有超过三年的，因为到了一两年的时候，资金盘主就大多卷款而逃了。所以，我们说这是一种少数胆大的骗子玩弄一大群贪财的傻子的游戏。可悲的是，这种骗术并不高明的游戏却是你方唱罢我登场，贪财的人们是赔了一回又赌一回。归纳资金盘的赢利模式，基本上是以下两点。
1、以大搏小（大投入搏小收入）：不论是日收入1%、1.5%，还是月收入10%、30%，投资者都必须先投入百分之百，投入后能否真得到资金盘公司的利润兑现，只有傻等。等到了，赌赢一回；等没了，叫天天不应。可悲的是，历史的经验反复证明，资金盘子的全部投入等没了是早晚的事。
2、以长搏高（长期投入搏高额回报）：投一笔钱，等12-18个月，甚至两至三年，回报十倍至数十倍。听上去极具诱惑力，但美梦成真要耗时一至三年，在这365-1095天中，每一刻都可能厄运降临。

温馨提示：
以上信息仅供参考，入市有风险，投资需谨慎。您在做任何投资之前，应确保自己完全明白该产品的投资性质和所涉及的风险，详细了解和谨慎评估产品后，再自身判断是否参与交易。

应答时间：2020-12-01，最新业务变化请以平安银行官网公布为准。
[平安银行我知道]想要知道更多？快来看“平安银行我知道”吧~
https://b.pingan.com.cn/paim/iknow/index.html

『陆』云仓如何保证更好的交易

全部云储链CWC均为矿池算力节点挖出，CWC不锁仓!

『柒』崩盘，手中的USDT会不会归零

建议大家千万不要长期持有大量USDT，如果想打持久战，那还是选择比特币、以太坊等大市值币种吧，毕竟咱都不容易，且行且珍惜！

『捌』比特币有价值吗

比特币到底有没有价值？

懂点行的圈外人士都会一本正经地说“区块链作为下一代互联网—价值互联网来讲，是很有价值的”。

但是他们同时也会说“通过价值互联网传递价值的东西（也就是币）没有价值”。

那么没价值的是这些“东西”，还是他们的认知？

其实这类型的矛盾在国内经常发生，在国外就比较少遇到，因为国内的一些特殊情况，导致不管是各行各业在碰到一些相关问题的时候都得统一论调。在国外你很少能碰到说“区块链很有价值，但是比特币一文不值”这样的说法，除非一些传统金融圈的腐朽老人。

当然，这不重要，因为我也一直相信一句话叫“懂的自然懂”。

那么话说回来，其实这个问题再往大扩就会变成：比特币到底有没有价值？但是这样的话会让这个题变得太大且没必要，因为比特币当然有价值。但是比特币的价值来源有一部分来源于“传递价值”这件事，那么今天讨论这个话题：

“传递价值”这件事到底有没有价值？

目前全球最主要的干“保管资产，传递价值”起家的大企业主要有PayPal、支付宝和微信支付。因为蚂蚁金服和微信支付都没有独立上市，所以我们主要以PayPal作为参考。

PayPal对传统金融做的事情，其实就是把你能做的事情在网上解决掉。其实现在你用支付宝和微信来付钱给商家，本质上也是从你的银行卡到对方的银行卡里，但是为什么大家就是乐意用微信和支付宝呢？简单来说，还是因为好用。

那么可以直接银行转账为什么要用PayPal？逻辑上也是这样，因为PayPal提供了更好的“传递价值”的服务，做好这个服务的PayPal，目前市值1200亿美元。目前比特币的市值是1340亿美金，两者几乎相同。

我们抛开比特币的其他属性不说哈，今天只聊“价值传递”这件事儿。你能用比特币转账给另外一个人，一个或许是你的邻居或许远在大洋彼岸的人，转账金额没有限制，转账时间十分钟，转账成本几块钱，这件事有没有价值？

PayPal、支付宝、微信支付等金融科技产品已经证明了，能给特定的人群提供更好的转账服务，那么这个产品和企业就是有价值的，而且价值高达千亿美金级别。

话说回来，区块链被称为价值互联网不是没有原因的，我举个最简单的例子好了。USDT现在承担了区块链上主要的转账“使命”，基本上以太坊、波场上的有效转账过半都来自于USDT的转账，举足轻重。那么问题来了，为什么放着USD不用，要用USDT呢？要知道USDT可是没有主权担保，并且也已经不保证1比1兑换美元了。

核心原因就是两个，1、用的人因为种种原因没法用美元；2、USDT在加密货币世界更方便。

第一种就不用多说了，多说可能你就看不到这篇文章了。那么第二种其实也是显而易见的，这个发展路径倒是挺像早期互联网支付产品的路径。

还是回到支付宝的问题里，当时大家为什么开始用支付宝还记得吗？因为淘宝上买东西用网银很难受，用支付宝就很顺滑。尽管一开始也是通过支付宝完成银行转账而已。

加密货币世界也是如此，从互联网领域到区块链领域，自然也需要一个过渡品，现在看来，这玩意儿就是USDT了。

其实USDT作为一个“加密美元”来使用，价值稳定的加密货币，也就是稳定币，更能让他们接受。这在我们多年从业的经验里也碰到过不少这样的人，比特币作为支付手段的问题很大，所以所谓“用比特币买咖啡”在我眼里是一个可有可无的需求，有则更好，没有也无所谓。

比特币本身就是提供给大众储存，并且作为极低频的特殊支付手段。

那么比特币有没有价值这个问题就很简单了，你只需要回答一个问题：这个世界上有没有用比特币更好的应用场景？

显然，是有的。那么这就足够了。

『玖』 gate.io法币交易中违反哪些规则会被永久禁止

（1）必须使用本人银行卡、支付宝或者微信进行收/付款；
（2）付款时禁止备注“比特币”、“虚拟币”等任何敏感词汇；
（3）超过3笔取消订单，将被禁止2天法币交易。

『拾』火币网的USDT和BTC和ETH有什么关系

1、你在这个平台所看到的BTC和ETH的价格，不是真正兑美元的价格，而是以USDT币来标价的价格，USDT以场外法币交易定价。他们的涨跌都是以USDT来进行计算的，他们3个都是虚拟币，只是币币交易，而不是真正美元价格。

2、USDT是完完全全的国产山寨币，以前叫作realcoin瑞优币，只是改了个名字，而realcoin瑞优币是第2代国产山寨币，第一代叫做CHNcoin中国币，这两个都在13年、14年先后发生崩盘跑路事件。

3、而USDT币的实际价值可以说等于0，发行USDT的泰达公司停止对美国公民提供任何服务，也就是说，泰达公司不能提供USDT兑美元的兑换提币。

(10)usdt崩盘有什么后果扩展阅读：

1、火币网是国内安全可信赖的比特币交易平台，获得真格基金、戴志康、红杉资本（苹果、阿里巴巴等众多全球知名公司股东）等A轮千万人民币资本投资，火币执行严格风控管理，稳定运行。截止2016年末，火币累计成交额达20000亿人民币。

2、火币网未来主要布局海外交易。创始人李林在公开信中表示，目前在全球范围内开展5大业务，包括火币全球专业站，火币韩国，火币中国，火币钱包，火币全球美元站。其中，火币中国偏重于区块链技术研发和应用类资讯信息，而火币韩国和火币全球美元站将继续提供当地法币对数字货币的数字资产交易服务。

『一』What is the name of the stablecoin issued by China?

Stablecoins in the encrypted digital currency market are just as the name suggests, referring to cryptocurrencies with low price volatility. Stability here is a relative concept. Compared with the volatility of mainstream digital currencies such as Bitcoin, legal tender and gold are undoubtedly two currencies with stable prices. The issuance of legal currency is based on the size of the country's economy and is endorsed by the country's credit. When the government does not do evil and the economy is stable, legal currency can maintain its value stability. Because of its limited reserves, stable chemical properties, and easy divisibility, gold has historically maintained value and is known as a natural currency. If the value of digital currency can be anchored to a highly recognized legal currency or gold, , this kind of digital currency can maintain price stability. In "The Denationalization of Currency", Hayek believed that the stability of currency value is a key factor in currency recognition. Only the purchasing power of currency is stable, that is, the overall dominance of commodities remains basically stable. Daily payments and many financial markets function can be realized. However, the existing mainstream digital currencies are highly volatile and are not suitable for daily payments. In order to create a stable digital currency, it is usually necessary to determine the following two elements:
Anchor interest rate
The stable ratio maintained by the stable currency and the anchor. Most of the existing digital currency models first choose 1: The exchange rate of 1 is anchored to the US dollar or other monetary assets, and Digix, which uses gold as the anchor, is linked to gold at a price of 1DGX=1g gold.
2. Why do we need stablecoins
From a practical level, as more and more countries ban fiat currency trading pairs, investors need a medium that can replace fiat currency for value anchoring for transactions and measure holdings. There is value in digital currencies. At this time, the concept of stable digital currency is more focused on anchoring with a certain legal currency or real assets.
From an ideal level, the current legal currency system issued by the state is decision-making centralized, and the issuance of currency is completely in the hands of the state. A country's political instability, economic crisis, government policy errors and other reasons may lead to the failure of legal currency. Instability of value. At this time, decentralized currency provides people with another option to maintain purchasing power, avoiding the chain effects of currency problems and further causing economic and social problems. By then, the concept of stable digital currency will be more similar to the current monetary system, anchored to a certain price level, economic volume and currency demand. Digital currencies such as Bitcoin provide new ideas for avoiding the risks of centralized legal currencies. However, the price volatility of mainstream digital currencies hinders the large-scale market application of digital currencies and the realization of other scenarios.
Financial market transactions also require the price of digital currencies to remain stable. Currency is the foundation of finance. In the financial market, financial transactions such as hedging risks, derivatives, leveraged transactions, and options themselves are predictions and balances of market risks. If the digital currency itself has to bear extreme price risks in the future, credit and debt markets It is difficult to form a digital currency based on unstable prices. If there is a stable price digital currency to implement, it will become moreIt is safer and faster, so giving the currency a stable value is of great significance to the financial market.
3. Stablecoin family history
Stablecoin 1.0: USDT and its strong competitors
Stablecoin 1.0, a centralized asset mortgage model, uses assets in the real world for mortgage to create The first and most typical example of a stable currency in the digital world is USDT issued by Tether.
USDT, the Chinese name is Tether. Each issued Tethers is linked to the U.S. dollar one-to-one, and the corresponding total amount of U.S. dollars is stored in Hong Kong Tether Co., Ltd. When using U.S. dollars as the unit of measurement, there is no risk of fluctuation in the value of the collateral.
The advantage of USDT is that its principle is simple and it directly uses sufficient US dollars as collateral assets, making it the most widely used stable currency in digital transactions. However, the shortcoming of USDT is that it is too centralized. The market has never stopped questioning the transparency and lack of supervision of USDT. In the face of whether the U.S. dollar reserves are sufficient, whether the issuance of air currency will cause bubbles, how safe the U.S. dollar reserve bank is, and whether the U.S. dollar is collateralized. Tether has always claimed that it has sufficient reserves, but it has not disclosed its reserve account audit data so far. Although some currency circle tycoons, Bitfinex shareholder Zhao Dong and Big.one CEO Lao Mao claimed to have seen excess reserves in the bank accounts of Bitfinex and Tether, their verbal commitments obviously cannot replace independent third-party audits. There is no way to prove the purpose of the funds.
In addition, the management teams of Tether, the issuing company of USDT, and Bitfinex, one of the world's largest Bitcoin exchanges, are highly overlapping, and the unclear relationship between the two has been criticized. In August 2018, Tether issued a total of US$415 million in USDT, and its market value has reached US$2.8 billion, ranking eighth. USDT was launched on February 25, 2015, and the price fluctuated between $0.92 and $1.05. There was a large deviation in mid-2017. The current daily trading volume is around US$3 billion.

With USDT being the dominant player, the traditional stablecoin 1.0 camp has several new competitors. These institutions also use centralized 1:1 USD mortgages and have made varying degrees of improvements in supervision and transparency.
In March 2018, in response to the opacity of USDT information, TrustCoin launched TUSD to reduce risks through regular supervision. TrueUSD has selected multiple third-party trust and bank accounts to store the mortgage deposits. Individuals can directly see the deposit status of the deposits in the third-party accounts. The deposit accounts for the deposits are regularly audited, and KYC (customer background checks) and countermeasures are added. Money laundering inspections (AML) and other methods, customer funds are legally protected in bank accounts.
201In September 2018, the US exchange Gemini and another blockchain startup Paxos were approved by the New York Financial Services Bureau and accepted its supervision. They issued digital cryptocurrencies GUSD and PAX anchored to the US dollar, which are carried out every month. Account audit. Each additional issuance is confirmed to have funds in the account under the supervision of the US financial regulatory authorities, which undoubtedly provides investors with more reliable digital currency entry and hedging channels.
As a stable currency, sufficient legal currency collateral reduces the risk of changes in collateral prices to the greatest extent, unless the issuer does not maintain sufficient capital reserves. Although USDT is still the dominant player, and it is difficult for new competing products to shake its position in a short period of time, the rising star has indeed been recognized for its higher transparency and security, and has also provided a more reliable solution for those who are worried about the opaque risks of USDT. choose. However, a high degree of transparency is also accompanied by stricter KYC supervision, and privacy will also be weakened. For those who value privacy needs, decentralized stable currencies may be a better choice.
Stablecoin 2.0: Decentralized Margin System
Stablecoin 2.0 uses cryptocurrency as over-collateralization. When the price of the collateral drops, users can cover their positions in time, otherwise the collateral will be forced to be liquidated to ensure Stablecoin price. Typical cases include Bitshares, MakerDAO, Havven, etc.
Bitshares uses the platform's own tokens as collateral, while MakerDAO uses ETH as collateral. As the second largest digital currency after BTC, ETH's price basically reflects the overall risk of the digital currency market, while Bitshare's The price risk is greater relative to ETH. Therefore, DAI, which has been around for less than a year, has surpassed Bitshares of the same type in both price and market capitalization.
According to the chart above, BitUSD has been activated since September 23, 2014, and has basically fluctuated between $0.7-$1.6. The overall deviation was relatively large in 2015 and early 2016. The current daily trading volume is around US$1.5 million.
Dai was launched on December 27, 2017, with a price range of $0.86-$1.06. There was a large deviation in March 2017. The current daily trading volume is around US$10 million.
The encrypted digital asset mortgage method has several advantages. First, it is decentralized, with reduced credit risk. It is executed by a completely transparent and decentralized smart contract. Everyone can see the price fluctuations of the mortgage currency in real time. and contract execution mechanism, there is no need to worry about third-party trust risks such as server shutdown and corporate non-payment. At the same time, the execution method of smart contracts also ensures that the collateral is directly locked and will not be used for multiple pledges, reducing the credit risk of mortgage assets. . Second, it allows existing digital assets to release liquidity. When the price of the stablecoin is lower than the anchor price, anyone can buy and redeem ETH higher than the purchase price for arbitrage, thereby returning the price to its anchor price.
However, the disadvantages of using virtual digital currencies as collateral are also obvious. While credit risks are solved, market risks are exacerbated due to the high volatility of the collateral itself, and the volatility of mortgaged digital currency assets requires digital The currency is overcollateralized several times the price on the smart contract, and the collateral is redeemed when exchanged. For bit assets such as BitUSD, they will be affected by the risks of Bitshares itself. DAI uses ETH as collateral. Although the stability is slightly better, it is still exposed to the overall risks of the digital currency market. The stability of the collateral is compared with Fiat currencies are worse than gold. Although there is a forced liquidation price to ensure the stability of bit asset prices, the liquidation process will cause fluctuations in the stable currency supply. A large amount of stable currency in people's hands is forcibly sold at the liquidation price, causing losses to holders. Although Stablecoin 2.0, which uses cryptocurrency as collateral, maintains the stability of token prices, it can easily cause a sharp drop in the amount of tokens in an instant, causing inconvenience to practical applications.
Stablecoin 3.0 Algorithmic Bank: Where to Go from Economic Utopia
In early 2018, a large number of stablecoin ideas based on algorithmic banking mechanisms sprung up, and became known as Stablecoin 3.0. These projects include Basis (formerly Basecoin ), CarbonMoney, Kowala, Reserve, etc. However, while all parties are showing their prowess in the design of the stabilization mechanism, few people have noticed that in March 2018, Nubits, the only algorithmic banking practice on the market, suffered its second collapse since its listing in 2014. But this time it failed to reshape value like it did in 2016.
In May 2016, due to the rise in Bitcoin prices, a large number of Nubits stablecoins were resold to buy Bitcoin. Nubits experienced its first collapse due to a significant drop in demand. This crash took about three months to recover. After that, although the currency price deviated for a short time due to the instantaneous increase or decrease in buy and sell orders, the overall trust consensus of 1 US dollar was still maintained until March 20, 2018. . Since then, Nubit has fallen into a death spiral caused by the decline in currency prices, with currency prices and market value showing a trend of collapse. As of September 26, the price of Nubits has fallen to one-tenth of the anchor price. And judging from the team’s attitude, price trends and community confidence, it will be difficult to make a comeback this time.
So far, after the popularity of algorithmic bank stablecoins has subsided, the progress of projects that originally had high hopes, such as Basis and Carbon, has been delayed. The only low-key practical project, Nubits, has collapsed. With the advent of the bear market, people have high risks for the tokens in their hands. Disgusted, all this caused this naturally high-risk theoretical school to encounter difficulties on the ground.
Algorithmic banks, also known as SeigniorageShares, do not require any company or asset as endorsement. Instead, they are based on the quantity theory of money in economics and increase or decrease the supply of money according to changes in the currency market value. Algorithmic banks controlThe means by which the currency issuer controls the money supply is similar to the currency system in which the government or central bank that issues legal currency carries out macro-control. The difference is that it uses a decentralized smart contract algorithm to realize this process instead of the central bank.
In short, the implementation of Stablecoin 3.0 is relatively difficult, and there are no existing successful projects on the market to refer to. In the assumptions at the beginning of the year, 2018 was supposed to be the year when algorithmic banking mechanisms showed their full potential, but difficulties arose in their implementation due to limited technical levels, sluggish market conditions and other reasons. On the contrary, many new members have appeared in the stablecoin 1.0 family, which is centralized but has less price risk. However, whether it is the decentralized stabilization mechanism of stablecoins 2.0 and 3.0, or the formalization of the supervision of mortgage assets by a series of USDT competitors, they all reflect the unremitting pursuit of a fair and transparent mechanism and more possibilities for the blockchain. Exploration of sexuality.
4. Stablecoin Data Analysis
Stablecoin Market Value
As of October 9, 2018, among the existing stablecoins on the market, it can be seen that the market value of USDT still occupies an absolute dominant position, reaching 2.8 billion US dollars, accounting for approximately 92% of the total market value of stablecoins. With the exception of USDT, TUSD, DAI and Bitshares, the market capitalization of other stablecoins only accounts for 1%. In the stablecoin market, USDT’s status will be difficult to shake in the short term.
After TUSD was launched in March 2018, its market value has grown rapidly and has become the second largest stablecoin after USDT. Its market value has exceeded US$100 million. The market value of Bitshares and DAI has also reached the US$10 million level.
How stable are stablecoins?
In order to explore how stable stablecoins are, we refer to the calculation method of tracking error (TrackingError) in securities to measure the deviation of the price of stablecoins relative to one dollar. The tracking error is calculated as follows:
where TEi represents the tracking error of fund i; n is the number of samples, and TDTI is the difference between the net value growth rate of fund i in time t and the return rate of the benchmark portfolio in time t. The mathematical meaning of tracking error is the standard deviation of the deviation of sample data from the baseline value within a period of time. Applying this concept can measure the extent to which stablecoin prices deviate from $1. We selected five stablecoins that are anchored to US$1 and have existing price data spanning more than three months for analysis. After calculating the tracking error of all historical data, we get the following comparison:
As can be seen from the figure, based on the results obtained from all historical data, the stablecoins with the best stability are TUSD and DAI, followed by USDT. However, because several stable currencies appeared at different times, USDT and Bitshares appeared as early as 2014 and experienced many huge market fluctuations. The latest TUSD was only listed in March 2018.
In order to eliminate the impact of early market fluctuations on stablecoin prices, we selected the price tracking errors of several stablecoins since April 2018 to observe.
from spanJudging from the consistent timeline of the past six months, USDT is not only far ahead in market capitalization, but also the stablecoin with the smallest anchoring error. Followed by TUSD and DAI, which came from behind, the stability of the two is about the same, while Nubits has been unable to maintain its anchor price.
As for the abnormal deviation of Nubits, we can find out from the price trends of several stable coins.
Nubits, launched in 2014, is the only practical project of algorithmic bank’s stablecoin mechanism in the market. Since March 20, 2018, Nubit has fallen into a death cycle caused by the decline in currency prices. The currency price and market value have shown a trend of collapse. . As of October 8, the price of Nubits has fallen to one-tenth of the anchor price.
The algorithmic bank adopted by Nubits is based on the quantity theory of money in economics. It increases or decreases the supply of money according to changes in the market value of money. It is similar to the monetary system where the government or central bank that issues legal currency carries out macro-control. The difference is that , which uses a decentralized smart contract algorithm to implement this process instead of the central bank. However, without sufficient collateral, it is difficult for users to agree that it is anchored to US$1 or other legal currencies. In early 2018, a large number of stablecoin ideas based on algorithmic banking mechanisms sprung up, and became known as stablecoins 3.0. These projects include Basis (formerly Basecoin), CarbonMoney, Kowala, Reserve, etc., and they adopt different mechanisms to Solve the problem of trust and stability of algorithmic banks, but there are difficulties in implementation due to limited technical level, sluggish market conditions and other reasons. However, in any case, algorithmic banks are worthy of further exploration as a decentralized stable currency.
After excluding Nubit, the fluctuations of the four stablecoins USDT, TUSD, DAI, and BitUSD can be seen more clearly. Among them, BitUSD has been activated since September 23, 2014, with large volatility and frequent deviations from anchoring. When the price is more than 10%, it has exceeded 20% at the highest point. DAI was launched on December 27, 2017, with a price range of $0.86-$1.06. There was a large deviation in March 2017. The current daily trading volume is around US$10 million.
It can be seen from the data and trend charts that USDT, TUSD, and DAI perform best in terms of stability. In the past year, the price has only floated above 5% in a few cases. For example, in May 2018, the currency After An Exchange announced the listing of TUSD, the market violently rose due to a large number of purchases by some people who did not understand the nature of TUSD. This also proves that the value of stablecoins relies heavily on people's consensus on their value.
From the perspective of market value and stability, USDT, TUSD and DAI are the undisputed TOP3 stablecoins. However, the development of stable digital currencies is still in the continuous trial and exploration stage, whether it is the decentralization of stablecoins 2.0 and 3.0 stabilizersystem, or the formalization of supervision of mortgage assets by a series of USDT competitors, all reflect the unremitting pursuit of a fair and transparent mechanism and the exploration of more possibilities in the blockchain. We look forward to more stable currencies in the market A wonderful performance.
5. Risks of Stabilizing Digital Currency
1. Competitive Risks of Digital Currency Plans of Central Banks of Various Countries
The prosperity and development of blockchain technology and digital currency market have also attracted the attention of central banks of various countries, including China. Many countries in the world have shown a positive attitude towards digital currency and have put the issuance plan of national legal digital currency on the agenda. Venezuela plans to launch the digital currency Petro, and the Bank of England (BoE) research department has been studying digital currencies since 2015 and may issue its own digital currency. In October 2017, the Russian government announced that it would issue an official digital currency, CryptoRuble ("Digital Ruble"). Sweden is studying the issuance of electronic krona. In January 2018, the Bank of Korea will also form a team specializing in cryptocurrency research.
Chinese regulators have repeatedly reminded that there are risks in virtual currency and CROWDSALE. The 7 departments pointed out in the "Announcement on Preventing Token Issuance Financing Risks" that the tokens or virtual currencies used in token issuance financing are not issued by the monetary authorities and are not It has monetary attributes such as legality and compulsory nature, does not have the same legal status as currency, and cannot and should not be used as currency in the market. In September 2017, CROWDSALE was suspended and the virtual currency trading platform was shut down. However, since 2014, the People's Bank of China has established a dedicated research team, and in early 2015, it further strengthened its capabilities and conducted in-depth research on the digital currency issuance and business operation framework, the key technologies of digital currency, and the digital currency issuance and circulation environment. On January 20, 2016, the People's Bank of China held a digital currency seminar in Beijing and clarified the strategic goal of the central bank's issuance of digital currency.
The legal digital currency issued by the state is an improvement on the existing legal currency, and its recognition around the world is limited. Moreover, it is still a centralized currency, which cannot guarantee privacy and cannot avoid economic crises or monetary policy errors. risk.
However, the legal digital currency promoted by the country is endorsed by the state and is mandatory for use. This process is very likely to be accompanied by the tightening of regulatory policies on digital currency. In addition, legal digital currency applies blockchain technology, which can also meet people's needs for digital currency for daily payments, so it will have a certain impact on encrypted stable currencies.
2. The value of the anchor is unstable
Existing stable currency anchors include the US dollar, other stable currencies, gold, etc., but the value of the anchor currency also has risks in a complex economy. When the anchor When there are large fluctuations in value, if stable currencies fail to make timely adjustments, the risks in the entire financial market will be exacerbated.
In response to various risks, the token has also proposed many countermeasures in the white paper. For example, DAI proposed a target price change rate feedback mechanism. When the market becomes unstable,At this time, this mechanism will be activated according to the sensitivity parameter, so that DAI maintains the price of the US dollar, but deviates from the fixed ratio to the US dollar. Sensitivity parameters are set by MKR holders, but target price and target price change rate are determined directly by the market once initiated. When a serious emergency occurs, global liquidation steps are triggered, ensuring that both DAI and CDP holders receive convertible NAV.
3. Other black swan events
Black swans often refer to economic crises, or events that are extremely unlikely to occur but will have systemic and significant negative chain impacts. Including economic crisis, problems with mortgage assets, government regulatory policies, etc. Black swan events are highly uncertain, and once they occur, they will have a huge impact on the stability of digital currencies.
6. The Development of Stable Digital Currency
The development of stable digital currency depends on people’s recognition and acceptance of digital currency. At this stage, most people's understanding of digital currencies is still limited to mainstream digital currencies such as Bitcoin and Ethereum, which have large price fluctuations. Therefore, their understanding of digital currencies as investment products exceeds their function as exchange tools. The emergence of stable digital currency is conducive to people's gradual acceptance of digital currency and its widespread use around the world to meet people's daily consumption needs. Judging from the white paper plans of several stable currencies and the problems existing in reality, stable currencies have the following development directions in the future:
1. Diversification of anchor currencies
Several plans for stable digital currencies currently emerging The development path, starting from the anchor, is first anchored to one or several global currencies, and finally it is widely recognized and used around the world, and a more realistic way of reflecting people's purchasing power is sought. In other words, in terms of anchors, we will start with a single currency and anchor multiple mainstream currencies according to actual conditions, and finally realize the possibility of linking to prices. The anchoring ratio will also be converted from hard anchoring to soft anchoring based on the relationship between legal currency and prices.

『二』Will the USDT blockchain be congested

Undoubtedly, USDT has had a halo since its birth. The second half of 2017 was a disaster for the currency circle, but for USDT it was Opportunity, with its unique stability advantages, quickly assumed the role of the link between legal currency and tokens. It was recognized by major exchanges and the majority of leeks, and became a recognized stable currency in the currency circle. However, with the continuous issuance of USDT, there are more and more doubts about USDT. "Stable currency instability" and "money printing machine in the currency circle" have become new labels for USDT. Coupled with the US government's investigation and supervision of Tether, USDT The trust crisis is getting more and more serious. This time it was reported that CNH has been continuously resisted by many big players in the currency circle, and there are very few voices of support. Although USDT faces many doubts, I feel that USDT’s current position in the currency circle will not have a big impact in the short term, let alone a collapse. Unless the US government takes a drastic action, this possibility is unlikely.

『三』What do you think about USDT plummeting? We need to worryWill USDT collapse?

USDT is Tether, a digital currency pegged to the US dollar. This is a legal currency. It is different from other digital currencies. How could it collapse?

『四』 usdt What does the drop mean?

The drop in usdt shows that there is greater volatility in the market, and it also shows that investors are not very optimistic about currencies in the market. The exchange of stable currencies and legal currencies in the market has not established a relatively smooth mechanism. Therefore, if USDT has a credit crisis in the market, investors may be the first to exchange such currencies for Ethereum and the like. Instead of the US dollar, this will cause it to rise sharply. Faced with the currency's decline, many investors have said that Usdt is backed by the U.S. dollar, so the chance of a complete collapse is not very high.
Extended information:
1. On October 17, 2021, usdt plummeted, triggering massive selling. After the decline, BTC/USD rose slightly by 2% at the close. At the same time, Tether's USDT/USD currency pair fell below 0.95 when the Asian market opened. On October 15, 2021, USDT suffered a large number of panic selling, and its price plummeted by 13%. However, the pair started to gain momentum during early Asian trading hours, jumping to 7,800 from previous lows near 6,300.
2. Characteristics of Tether
1) Stable currency
Tether converts cash into digital currency and anchors or pegs the prices of national currencies such as the US dollar, euro and Japanese yen.
2) 100% support
In our foreign exchange reserves, traditional currencies always support every currency at a 1 to 1 price. So 1 dollar_ is always equal to 1 dollar.
3) Transparent
Our foreign exchange reserves are published every day and subject to frequent professional audits. Everything in circulation always matches our reserves.
4) Blockchain Technology
The Tether platform is built on blockchain technology, leveraging the security and transparency they provide.
5) Wide Integration
Tether is the most widespread digital-fiat currency. Use tethers on Bitfinex, shapUNK, GoCoin and other exchanges.
6) Security
Tether’s blockchain technology provides world-class security while meeting international compliance standards and regulations.
The biggest feature of USDT is that it is equivalent to the same amount of U.S. dollars, 1 USDT = 1 U.S. dollar. Making it a good store of value in the volatile cryptocurrency market.

『五』How long can a similar capital investment project with a three-month payback period last? One person invests 1.2w.

The so-called fund disk refers to the online MLM model that uses the direct sales multiplication principle to use rolling or static capital circulation to make up for the west, and use the money from new members to pay to previous members. In essence, It's a pyramidMLM scam. It is extremely covert, deceptive and socially harmful. Capital market does not refer to publicly offered public and private equity funds, but refers to a model that compiles various stories of extremely high rates of return to deceive people's greed for money and conduct underground fund-raising. This kind of fund-raising rarely lasts for more than three years, because after one or two years, most of the fund owners have fled with their money. Therefore, we say this is a game played by a few bold liars against a large group of money-hungry fools. Sadly, this kind of deceptive game is a game where you sing and I appear, and people who are greedy for money lose money and gamble again and again. To summarize the profit model of the capital market, there are basically the following two points.
1. Use big money to win small money (big investment to win small income): Whether it is daily income of 1% or 1.5%, or monthly income of 10% or 30%, investors must first invest 100%. To get the profit from the capital disk company, you can only wait foolishly. When the time comes, you win the bet once; when you don’t wait, the call comes every day. Sadly, historical experience has repeatedly proven that it is only a matter of time before all the capital invested is gone.
2. Long-term investment to achieve high returns: Invest a sum of money, wait 12-18 months, or even two to three years, and the return will be ten to dozens of times. It sounds very tempting, but it takes one to three years for a dream to come true. During these 365-1095 days, misfortune may happen at any moment.

Warm reminder:
The above information is for reference only. There are risks in entering the market, so investment needs to be cautious. Before making any investment, you should ensure that you fully understand the investment nature of the product and the risks involved. After understanding and carefully evaluating the product, you can make your own judgment on whether to participate in the transaction.

Response time: 2020-12-01. For the latest business changes, please refer to the official website of Ping An Bank.
[I know about Ping An Bank] Want to know more? Come and take a look at "I Know Ping An Bank"~
https://b.pingan.com.cn/paim/iknow/index.html

『Lu』How to ensure better cloud warehouse Transactions

All cloud storage chain CWC are mined by mining pool computing power nodes, CWC is not locked!

If "Qi" collapses, will the USDT in your hand return to zero< /p>

It is recommended that you do not hold a large amount of USDT for a long time. If you want to fight a long-term war, you should choose large-market currencies such as Bitcoin and Ethereum. After all, it is not easy for us, so we must do it and cherish it!

『8』 Is Bitcoin valuable?

Is Bitcoin valuable?

Informed outsiders will seriously say that "blockchain is very valuable as the next generation Internet - the value Internet."

But they will also say that "things (that is, coins) that transmit value through the Internet of Value have no value."

Then it’s these “things” that are worthless,Or is it their perception?

In fact, this type of contradiction often occurs in China, but it is relatively rare abroad. Because of some special circumstances in the country, all walks of life must unify when encountering some related problems. Argument. In foreign countries, you will rarely come across statements like "Blockchain is very valuable, but Bitcoin is worthless", except for some rotten old people in the traditional financial circle.

Of course, this is not important, because I have always believed in the saying "what you understand will naturally understand".

Then having said that, in fact, if this question is further expanded, it will become: Is Bitcoin valuable? But that would make the question too big and unnecessary, since Bitcoin certainly has value. But part of the source of Bitcoin’s value comes from “delivering value”, so let’s discuss this topic today:

Is there any value in “delivering value”?

At present, the world's most important large companies that started out as "keeping assets and delivering value" mainly include PayPal, Alipay and WeChat Pay. Because neither Ant Financial nor WeChat Pay are independently listed, we mainly use PayPal as a reference.

What PayPal does to traditional finance is actually to solve the things you can do online. In fact, when you use Alipay and WeChat to pay merchants, it is essentially transferred from your bank card to the other party's bank card. But why are everyone happy to use WeChat and Alipay? To put it simply, it’s because it’s easy to use.

So why use PayPal when you can transfer money directly from bank to bank? Logically this is also the case, because PayPal provides better "delivering value" services. PayPal, which provides this service, has a current market value of US$120 billion. The current market value of Bitcoin is US$134 billion, which is almost the same.

Let’s put aside the other attributes of Bitcoin and today we will only talk about “value transfer”. You can use Bitcoin to transfer money to another person, maybe your neighbor or someone across the ocean. There is no limit to the transfer amount. The transfer time is ten minutes and the transfer cost is a few dollars. Is this valuable?

Fintech products such as PayPal, Alipay, and WeChat Pay have proven that they can provide better transfer services to specific groups of people, then this product and enterprise is valuable, and is worth up to hundreds of billions of dollars. level.

Having said that, there is a reason why blockchain is called the Internet of Value. Let me give you the simplest example. USDT now assumes the main transfer "mission" on the blockchain. Basically, more than half of the effective transfers on Ethereum and Tron come from USDT transfers, which plays a decisive role. So the question is, why use USDT instead of USD? You must know that USDT does not have a sovereign guarantee, and it is no longer guaranteed1Than 1 to US dollars.

The core reasons are two. 1. People who use it cannot use US dollars for various reasons; 2. USDT is more convenient in the cryptocurrency world.

No need to say more about the first one. If you say more, you may not read this article. So the second one is actually obvious. This development path is quite similar to the path of early Internet payment products.

Back to the question of Alipay, do you remember why everyone started using Alipay at that time? Because it is difficult to use online banking to buy things on Taobao, but it is very smooth to use Alipay. Although the bank transfer was completed through Alipay at the beginning.

The same is true in the cryptocurrency world. From the Internet field to the blockchain field, a transitional product is naturally needed. Now it seems that this thing is USDT.

In fact, USDT is used as a "crypto dollar". Cryptocurrencies with stable values, that is, stable coins, are more acceptable to them. We have encountered many such people in our many years of experience in the industry. Bitcoin has a huge problem as a means of payment, so the so-called "buying coffee with Bitcoin" is a dispensable need in my eyes. It's better if you have it, it doesn't matter if you don't have it.

Bitcoin itself is provided for public storage and serves as a very low-frequency special payment method.

Then the question of whether Bitcoin has value is very simple. You only need to answer one question: Are there any better application scenarios for Bitcoin in the world?

Obviously, there is. Then that's enough.

『九』 What rules will be permanently banned in gate.io legal currency transactions if you violate them

(1) You must use your own bank card, Alipay or WeChat to receive/pay;
(2) It is prohibited to note any sensitive words such as "bitcoin" and "virtual currency" when making payment;
(3) If you cancel more than 3 orders, you will be banned from legal currency transactions for 2 days.

『Shi』What is the relationship between Huobi’s USDT, BTC and ETH?

1. The prices of BTC and ETH you see on this platform are not really against the US dollar. The price is priced in USDT currency, and USDT is priced in over-the-counter legal currency transactions. Their increases and decreases are all calculated in USDT. All three of them are virtual currencies. They are just currency-to-crypto transactions, not real US dollar prices.

2. USDT is a completely domestic altcoin. It used to be called realcoin, but it just changed its name. Realcoin is the second generation of domestic altcoin. The first generation was called realcoin. CHNcoin Chinese currency, both of which crashed and ran away in 2013 and 2014.

3. The actual value of USDT currency can be said to be equal to 0. TEDA Company, which issues USDT, has stopped providing any services to American citizens.That is to say, TEDA cannot provide exchange and withdrawal of USDT against US dollars.

(10) What are the consequences of the collapse of usdt? Further reading:

1. Huobi.com is a safe and trustworthy Bitcoin trading platform in China. It can obtain real Huobi has invested tens of millions of RMB in Series A capital such as GE Fund, Dai Zhikang, and Sequoia Capital (shareholders of many world-renowned companies such as Apple and Alibaba). Huobi implements strict risk control management and operates stably. As of the end of 2016, Huobi’s cumulative trading volume reached 2 trillion yuan.

2. Huobi.com will mainly focus on overseas transactions in the future. Founder Li Lin said in an open letter that it currently operates five major businesses around the world, including Huobi Global Professional Station, Huobi Korea, Huobi China, Huobi Wallet, and Huobi Global USD Station. Among them, Huobi China focuses on blockchain technology research and development and application information, while Huobi Korea and Huobi Global USD Station will continue to provide digital asset trading services for local legal currencies against digital currencies.