Stablecoins là backbone của crypto ecosystem, enabling trading, DeFi, và payments. Tuy nhiên, landscape đang evolve với new regulations và innovations. Vì vậy, bài viết này explores stablecoins năm 2026.
Stablecoin Là Gì?
Stablecoins là cryptocurrencies pegged to stable assets như USD. Theo DefiLlama, total stablecoin market cap đã vượt $200 billion, reflecting crypto adoption.
Types Of Stablecoins
- Fiat-backed – USDT, USDC (backed by real USD)
- Crypto-backed – DAI (overcollateralized by crypto)
- Algorithmic – Maintain peg via algorithms (risky)
- Yield-bearing – USDY, sDAI (generate passive income)
Top Stablecoins 2026
1. USDT (Tether)
USDT remains largest stablecoin:
- ~$120B market cap
- Available on mọi major chains
- Primary trading pair on most exchanges
- Some transparency concerns
2. USDC (Circle)
USDC là regulated alternative:
- ~$60B market cap
- Monthly attestations by big 4 firm
- Preferred by institutions
- Native on Ethereum, Solana, Base
3. DAI (MakerDAO)
DAI là decentralized option:
- Overcollateralized by crypto và RWAs
- No single issuer can freeze funds
- sDAI earns yield automatically
Yield-Bearing Stablecoins
New trend năm 2026 là stablecoins that generate yield:
- sDAI – DAI in Savings Rate module (~8% APY)
- USDY – Ondo Finance, backed by Treasuries
- sUSDe – Ethena, delta-neutral strategy
Điều này allows users to earn while holding stablecoins, rather than just parking funds.
Regulatory Landscape
Stablecoin regulations đang clearer:
- US – GENIUS Act providing framework
- EU – MiCA regulations in effect
- Singapore – Clear licensing regime
Regulatory clarity is positive cho institutional adoption và mainstream use.
Kết Luận
Tóm lại, stablecoins là essential infrastructure cho crypto. Whether trading on exchanges, using DeFi, or making payments, stablecoins provide stability trong volatile market. Choose based on your needs: USDT for liquidity, USDC for compliance, DAI for decentralization.
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