USDD (USDD) là gì?

USDD la mot loai stablecoin — mot loai tien ma hoa duoc thiet ke de luon co gia tri xap xi mot do la My. No duoc ra mat vao nam 2022 boi TRON DAO Reserve, mot to chuc gan lien voi blockchain TRON, va ton tai chu yeu tren mang TRON. Noi don gian, USDD co gang tro thanh "do la ky thuat so" cua the gioi tien ma hoa: ban co the gui no den bat cu dau chi trong vai giay, va muc tieu cua no la duy tri muc gia on dinh $1 thay vi tang giam nhu Bitcoin.

USDD la gi theo cach hieu don gian?

Hay tuong tuong ban co mot dong do la ky thuat so dac biet ma ban co the gui cho mot nguoi ban o dau kia trai dat chi trong vai giay, voi phi rat thap, va no khong bao gio dong cua vao cuoi tuan hay ngay le. Do la y tuong co ban dang sau USDD. Phan "USD" co nghia la no gan voi dong do la My, con chu "D" them vao dai dien cho phi tap trung (decentralized) (co nghia la khong co mot ngan hang duy nhat kiem soat hoan toan no).

Phan lon cac loai tien ma hoa co gia ca bien dong rat manh. Mot ngay mot dong coin co the tri gia $10, ngay hom sau chi con $7. Dieu do khien chung kho su dung cho cac nhu cau hang ngay nhu mua sam hay tiet kiem. Mot stablecoin nhu USDD giai quyet van de do bang cach huong den gia tri luon bang mot do la, vi vay 100 USDD nen co gia tri khoang $100 vao bat ky luc nao. Moi nguoi su dung no nhu mot noi on dinh, binh tinh de luu giu gia tri trong the gioi tien ma hoa dang bien dong nhanh chong.

USDD hoat dong nhu the nao?

De hieu USDD, viec biet blockchain la gi se rat huu ich. Hay nghi ve blockchain nhu mot quyen so cai chung khong lo ma tat ca moi nguoi deu co the doc, noi moi giao dich duoc ghi lai mai mai va khong ai co the bi mat xoa mot trang. USDD duoc ghi tren loai so cai nay, chu yeu tren blockchain TRON (va also tren mot so mang khac).

Cau hoi kho hon la: lam the nao USDD o gan muc $1? Cac stablecoin thuc hien dieu nay theo nhieu cach khac nhau:

• Duoc bao dam bang du tru — du an nam giu tai san thuc (nhu do la, cac loai tien ma hoa khac hoac tiet kiem) de ho tro gia tri dong coin.
• Thuat toan — he thong su dung ma may tinh va cac quy tac giao dich de day gia tro lai $1 khi no bi lech.

USDD da su dung ket hop ca hai y tuong nay. TRON DAO Reserve cong khai nam giu mot gio tai san tien ma hoa — nhu dong coin rieng cua TRON la TRX, Bitcoin va cac stablecoin khac — nham ho tro USDD va giu no gan muc mot do la. Theo thoi gian, du an tuyen bo muon duy tri gia tri trong du tru nhieu hon tong luong USDD dang luu hanh, mot cau truc duoc goi la "qua du thi (over-collateralized)" (nam giu tai san bao dam phu them lam dem an toan).

Phai noi thang rang cac stablecoin "thuat toan" co lich su phan cham trong linh vuc tien ma hoa. Mot so da hoat dong hieu qua, nhung it nhat mot cai noi tieng (mot dong coin khac ten UST vao nam 2022) da sup do tham hai. Nhom USDD da phan ung bang cach dua nhieu hon vao du tru co the nhin thay duoc. Du vay, cach mot stablecoin duy tri chot gia la mot trong nhung dieu quan trong nhat can hieu truoc khi su dung no.

USDD duoc dung de lam gi?

Moi nguoi su dung USDD voi nhieu ly do giong nhu ho su dung dong do la thong thuong, chi la o dang ky thuat so. Cac cong cu su dung pho bien bao gom:

• Ben do an toan — khi gia tien ma hoa bien dong manh, cac nha giao dich chuyen tien sang USDD de "giu xe" gia tri o muc on dinh ma khong roi khoi the gioi tien ma hoa.
• Chuyen tien — chuyen gia tri qua cac quoc gia nhanh chong va re, khong can cho doi ngan hang.
• Giao dich — mua va ban cac loai tien ma hoa khac, vi san giao dich thuong ghep cap dong coin voi mot stablecoin.
• DeFi — su dung trong tai chinh phi tap trung (DeFi) (cac ung dung tai chinh chay tren blockchain khong co ngan hang), nhu cho vay hoac kiem lai suat.

Vi USDD ton tai chu yeu tren TRON, von noi tieng voi phi thap va chuyen khoan nhanh, no duoc ua chuong de chuyen doi gia tri on dinh mot cach re tien. Do la su thu hut hang ngay chinh cua no: su on dinh kieu do la voi toc do kieu tien ma hoa.

Ai da tao ra USDD va khi nao?

USDD duoc ra mat vao thang 5 nam 2022 boi TRON DAO Reserve, mot to chuc gan lien voi he sinh thai blockchain TRON. Ban than TRON duoc sang lap boi Justin Sun, mot nhan vat noi tieng va doi khi gay tranh cai trong linh vuc tien ma hoa. TRON DAO Reserve quan ly cac tai san duoc tao ra de bao dam cho USDD va cong bo thong tin ve cac khoan nam giu do.

Tu "DAO" viet tat cho To Chuc Tu Tri Phi Tap Trung (Decentralized Autonomous Organization) — ve co ban la mot nhom van hanh mot phan thong qua bieu quyet cong dong va ma may tinh thay vi mot sep ra moi quyet dinh. Tren thuc te, muc do phi tap trung thuc su cua bat ky du an nao cung co the khac nhau, vi vay nen tu doc cac tai lieu cap nhat cua chinh du an de xem USDD hien duoc quan tri nhu the nao.

Dieu gi lam USDD khac biet?

Co nhieu stablecoin, nen viec biet dieu gi phan biet USDD se rat huu ich:

• Can cu tren TRON — USDD gan chat voi mang TRON, trong khi hai stablecoin lon nhat lai hoat dong chu yeu tren cac chuoi khac.
• Muc tieu qua du thi — du an huong den viec nam giu gia tri bao dam nhieu hon so voi USDD dang ton tai, lam them vung dem an toan.
• Du tru cong khai — TRON DAO Reserve chia se thong tin chi tiet ve cac tai san ho tro dong coin de bat ky ai cung co the kiem tra.

Cung nen thang than chi ra mot su khac biet la su danh doi, khong phai dieu dang khoe: thiet ke cua USDD da dua vao co che va bao dam dua tren tien ma hoa thay vi chi la tien mat trong ngan hang. Dieu do co the co nghia la linh hoat hon, nhung cung dem lai nhung rui ro khac so voi mot stablecoin duoc bao dam hoan toan bang dong do la truyen thong.

Lam the nao de mua va luu tru USDD?

Mua USDD thuong trong nhu the nay:

• Chon nen tang — chon mot san giao dich tien ma hoa (cho truc tuyen de mua ban coin) niem yet USDD.
• Chuan bi tai khoan — dang ky va, neu can, hoan thanh xac minh danh tinh.
• Mua hoac doi — doi tien that hoac tien ma hoa khac lay USDD.
• Luu tru an toan — giu trong mot vi tien ma hoa (crypto wallet) (ung dung hoac thiet bi luu tru coin va khoa bi mat cua ban).

Vi co hai kieu chinh. Vi nong (hot wallet) ket noi internet, nhu ung dung tren dien thoai — tien loi nhung de bi hacker tan cong hon. Vi lanh (cold wallet) la thiet bi ngoai tuyen, nhu mot thiet bi nho kieu USB — an toan hon cho so tien lon. Vi USDD hoat dong manh nhat tren TRON, hay dam bao vi cua ban ho tro mang TRON. Va khong bao gio chia se cum tu hat giong (seed phrase) cua vi (nhung tu sao luu bi mat) voi bat ky ai — ai co nhung tu do se kiem soat duoc cac dong coin.

USDD co an toan khong? Nhung rui ro can biet

Khong co loai tien ma hoa nao la khong co rui ro, va cac stablecoin co nhung nguy hiem dac thu rieng. Rui ro chinh cua bat ky stablecoin nao la mat chot gia (losing its peg) — co nghia la no rot xuong duoi $1 va co the khong phuc hoi duoc. USDD da co nhung thoi diem trong lich su giao dich thap hon mot chut so voi mot do la, do chinh xac la loai thoi diem ma nguoi moi bat dau nen chu y.

Nhung dieu khac can luu y:

• Rui ro bao dam — vi mot phan ho tro cua USDD la cac tai san tien ma hoa bien dong, gia tri cua khoan bao dam do co the dao dong.
• Su tin tuong va minh bach — ban dang tin tuong vao viec TRON DAO Reserve quan ly du tru mot cach trung thuc; hay tu minh doc cac bao cao duoc cong bo.
• Quy dinh — cac chinh phu tren toan the gioi van dang xay dung cac quy tac cho stablecoin, dieu nay co the anh huong den cach USDD duoc su dung.
• Lua dao — ung dung gia mao va tro "tien ma hoa mien phi" rat pho bien; chi su dung website chinh thuc va ung dung dang tin cay.

Bai viet nay mang tinh hoc thuat, khong phai loi khuyen tai chinh. Luon tu minh nghien cuu, khong bao gio dau tu so tien ban khong the chiu duoc mat mat, va kiem tra lai thong tin tren cac nguon chinh thuc cua du an truoc khi hanh dong.

Cau hoi thuong gap ve USDD

USDD co giong dong do la My khong?

Khong. USDD la mot stablecoin tien ma hoa huong den gia tri khoang mot do la My, nhung no khong phai la tien phap dinh cua chinh phu va khong duoc dam bao luon bang dung $1.

USDD co tren blockchain nao?

USDD ton tai chu yeu tren blockchain TRON va cung co san tren mot so mang khac. Luon dam bao vi cua ban ho tro mang dung truoc khi gui.

Ai kiem soat USDD?

USDD duoc ra mat boi TRON DAO Reserve, co lien ket voi he sinh thai TRON do Justin Sun sang lap. To chuc du tru nay quan ly cac tai san bao dam dong coin.

USDD co the mat gia tri khong?

Co. Giong nhu cac stablecoin khac, USDD co the rot xuong duoi $1 neu chot gia cua no chiu ap luc. Do la ly do tai sao viec hieu cach no duy tri gan muc mot do la — va doc cac bao cao chinh thuc moi nhat — la quan trong truoc khi su dung no.