Qeexid: Waa Maxay “Stablecoin”?

Erayga “Stable” ayaa micno ahaan u taagan, wax aan si fudud isu bed-bedelin, ama aan u dhaq-dhaqaaqin, oo si adag u taagan, waxaana loo adeegsadaa in lagu tilmaamo wax kasta oo aan si fudud isu bed-bedelin, sida qiime taagan oo aan is bedelin, dareen aan is bedelin, amaba sidoo kale xaalad siyaasadeed oo aan is bedelin.

Stablecoins-ku: Waa bah ama laan ka mid ah lacagaha dadan ee “Cryptocurrency” kuwaas oo uu qiimahoodu xassiloon yahay.

Waana coin-no aan qiimahoodu si fudud isu bed-bedalin, iyagoo ku lammaan lacag kale, ama hanti kale qiimahood.

Si kale hadii aynu u dhigno, Stablecoin-ku waa coin ku jaan-go’an lacag kale, ama hanti kale qiimaheed, sida in halkii xabbo uu u dhigmo 1 Shilin Somali (SOS), ama 1 Shilin Somaliland (SLSH), ama 1 Dollar (USD), iwm.

Stablecoins-ka ayaa loogu talagalay in ay qiimahoodu ahaadaan qiimo dagan oo xassiloon, oo aan lahayn is bed-bedel joogto ah, si ka duwan coin-nada kale ee aan stable-ka (dagan) ahayn, sida Bitcoin oo iyadu aad qiimaheedu isu rog-rogo.

Si guud, Stablecoins-ku waa qayb ka mid ah lacagaha dadan, kuwaas oo uu qiimahoodu xassiloon yahay, isla mar ahaantaana ku xidhan yahay hanti kale ama lacag kale qiimaheed, sida SOS, SLSH, USD, EUR, Gold, iwm.

Waxaa jira ilaa 4 qaybood oo waa-weyn oo loo qaybiyo coin-nada xassiloon (Stablecoins-ka):

1. Stablecoins-yo Ku Tiirsan Lacag Ay Dawladi Leedahay (Fiat-Backed Stablecoins): Sida SOS, SLSH, USD, EUR, GBP, iwm, iyadoo halkii xabbo uu u dhigmayo 1 ka mid ah lacagahaas, sida:

• 1 Stablecoin = 1 USD
• 1 Stablecoin = 1 SOS
• 1 Stablecoin = 1 SLSH
• 1 Stablecoin = 1 EUR

2. Stablecoins-yo Ku Tiirsan Crypto Kale (Crypto-Backed Stablecoins): Sida magacaba ka muuqata, waa Stablecoins-yo ku tiirsan Cryptocurrency-yo kale kaydkood, taasoo ka dhigan in qiimaha Cryptocurrencies-ka ee loo haysto kayd ahaan, ama damaanad ahaan uu ka badan yahay qiimaha Stablecoins-ka ee suuqa taala, sidaasina lagu ilaaliyo xassiloonida Stablecoin-ka.

Si la mid ah, kuwa ku tiirsan dawladaha, 1-kii Stablecoin wuxuu la mid yahay:

• 1 Stablecoin = 1 USD
• 1 Stablecoin = 1 SOS
• 1 Stablecoin = 1 SLSH
• 1 Stablecoin = 1 EUR

Hasa yeeshee, halkan farqiga yar ee u dhaxeeya ayaa ah waxa kayd ahaan, ama damaanad ahaan loo haysto, bedelkii Fiat Currency ama lacago ay dawladi leedahay kayd ahaan loo haysan lahaa, waxaa kayd ahaan loo haystaa Crypto kale.

3. Stablecoins-yo Ku Tiirsan Badeecad (Commodity-Backed Stablecoins): Sida dahabka, qalinka, saliida, iwm, iyadoo halkii xabbo uu u dhigmayo qaddar go’an oo ka mid ah badeecadaas, sida:

• 1 Stablecoin = 1 Ounce oo dahab ah (halka ounce ee dahabka ahina wuxuu u dhigmaa 28.35 gram)
• 1 Stablecoin = 1 Foosto oo saliida qaydhiin/caydhiin ah.

4. Stablecoins-yo Ku Tiirsan Algorithmics-yo (Algorithmic Stablecoins): Jaadkan ayaa ka duwan dhammaan jaadadka kale ee aynu soo sheegnay, maxaa yeelay ma jirto wax ama hanti ay si dhab ah ugu tiirsan yihiin, taa bedelkeeda waxay adeegsadaan Algorithms-yo iyo hishiisyo si iskood ah u fulaya (Smart Contract), si ay u maareeyaan, una xakameeyaan qiimaha, isla mar ahaantaana uga dhigaan mid xassiloon oo dagan, iyagoo isku dheeli tiraya wax-soo-saarka iyo baahidii loo qabay wax-soo-saarka (Supply and Demand).

Si kooban, afartan jaad ee stablecoins-ka ah ayaa si buuxda ama ku dhawaad si buuxda ugu tiirsan hanti kale qiimaheed, markii laga reebo kuwa “Algorithmic” ah, oo aan iyagu wax hanti ah ku tiirsanayn.

Coin-nada fadhiya, ama coin-nada xassiloon ayaa ku dadaala inay xajistaan, oo ay ku sii dhaganaadaan qiimahooda, si kasta oo uu suuqu isu bed-bedelo.