sUSDS (SUSDS) là gì?

sUSDS la mot loai dollar ky thuat so dac biet, am tham tang gia tri theo thoi gian. Day la phien ban "tiet kiem" cua USDS — mot stablecoin (mot loai tien ma hoa duoc thiet ke de luon co gia tri khoang mot dollar My) do doi ngu dung sau Sky tao ra, du an truoc day duoc biet den voi ten MakerDAO. Khi ban khoa USDS thong thuong vao he thong Sky Savings Rate, ban nhan lai sUSDS, va sUSDS do dan dan dang gia them dollar hon khi lai suat tich luy — giong nhu mot tai khoan tiet kiem tra lai cho ban vi de tien o do.

sUSDS la gi theo nghia don gian?

Hay tuong tuong ban bo 100 dollar vao mot chiec lon tiet kiem tu nhien duoc tu nap them mot chut moi ngay. Do chinh la y tuong co ban dang sau sUSDS. Ban bat dau voi USDS — mot dollar ky thuat so duoc thiet ke duy tri o muc $1. Ban giao USDS do cho mot chuong trinh thong minh, va no tra lai cho ban sUSDS — mot token (dong tien ky thuat so) dai dien cho khoan tien gui cua ban cong voi lai suat ban kiem duoc theo thoi gian.

Dieu kheo leo la: so luong token sUSDS trong vi cua ban khong thay doi. Thay vao do, moi sUSDS co the doi lay ngay cang nhieu USDS hon khi cac ngay troi qua. Vi vay, neu ban bat dau voi 100 sUSDS tri gia $100, ve sau 100 token do co the tri gia $103. Loai token nay thuong duoc goi la token sinh lai (yield-bearing), vi no mang lai suat ben trong. Tai thoi diem viet bai, sUSDS xep khoang hang #36 theo gia tri von hoa thi truong trong toan bo cac loai tien ma hoa, cho thay co rat nhieu nguoi su dung no.

sUSDS hoat dong nhu the nao?

sUSDS chay tren nen tang Sky Savings Rate, doi khi viet tat la SSR. Hay nghi SSR nhu mot chuong trinh tiet kiem do cong dong quan ly. Khi ban gui USDS, he thong tra cho ban mot lai suat do bo may quan tri cua Sky quyet dinh (nhung nguoi nam giu token quan tri cua du an va bo phieu ve cac quy tac).

Toan bo he thong song tren blockchain (mot cuon so chung ky thuat so ma ai cung co the doc nhung khong ai co the bi mat xoa) va duoc van hanh boi hop dong thong minh (cac chuong trinh may tinh chay tu dong va chinh xac nhu da viet, khong co con nguoi trung gian). Vi cac quy tac la code, khong co nhan vien nao co the tu choi tra tien cua ban hoac am tham thay doi dieu khoan.

Cac buoc thuc hien nhu sau:

• Ban gui USDS vao Sky Savings Rate.
• Hop dong thong minh duc (tao ra) luong sUSDS tuong ung va gui den vi cua ban.
• Thoi gian troi qua, lai suat tu dong tich luy ben trong he thong.
• Khi ban muon rut tien, ban tra lai sUSDS va nhan USDS goc cua minh cong voi lai suat da kich.

Thiet ke nay tuan theo tieu chuan pho bien trong crypto cho vault token, co nghia la nhieu vi, ung dung va san giao dich co the nhan dien va su dung sUSDS mot cach de dang.

Lai suat den tu dau?

Mot cau hoi hop ly la: dollar ky thuat so co the tra lai suat bang each nao? Cau tra loi la he thong Sky kiem tien tu cac tai san bao dam cac stablecoin cua minh. Sky cho vay va dau tu tai san the chap (nhung thu co gia tri duoc giu trong du tru, chuong han cac tai san crypto khac va cac khoan nam giu ngoai doi thuc) va thu phi va loi suat tu hoat dong do. Mot phan cac khoan thu nhap nay duoc chuyen lai cho nguoi tiet kiem thong qua Sky Savings Rate. Noi gon, lai suat khong duoc tao ra tu khong khi — no den tu doanh thu thuc su giao thuc tao ra, va bo may quan tri quyet dinh bao nhieu trong so do se vao tay nguoi nam giu sUSDS.

Ai da tao ra sUSDS va khi nao?

sUSDS den tu Sky — phien ban doi thuong hieu cua MakerDAO. MakerDAO la mot trong nhung du an lau doi va duoc kinh trong nhat trong DeFi (tai chinh phi tap trung — cac dich vu tai chinh duoc xay dung tren blockchain thay vi ngan hang). MakerDAO da ra mat stablecoin noi tieng DAI vao cuoi nhung nam 2010 va tro nen noi tieng voi viec duoc cong dong quan tri thay vi bi kiem soat boi mot cong ty duy nhat.

Nam 2024, MakerDAO bat dau mot cuoc nang cap va doi thuong hieu lon mang ten Sky. La mot phan cua su thay doi nay, ho gioi thieu USDS la stablecoin nang cap ben canh DAI, va sUSDS la token tiet kiem gan lien voi Sky Savings Rate moi. Cung doi ngu va cong dong da duoc thu nghiem quoc thi da xay dung MakerDAO qua nhieu nam dung dang sau sUSDS.

sUSDS duoc su dung de lam gi?

Nguoi ta su dung sUSDS vi mot vai ly do ro rang:

• Kiem lai suat thu dong: Day la cach don gian nhat de kiem lai suat tren crypto gan dollar tu he sinh thai Sky ma khong can giao dich tich cuc.
• Bao toan gia tri: Vi gan voi USDS, gia tri dollar cua no tuong doi on dinh trong khi van tang cham, khac voi cac dong coin bien dong manh len xuong bat thuong.
• Su dung trong cac ung dung DeFi khac: Vi sUSDS la token tieu chuan, ban thuong co the su dung no lam tai san the chap hoac cung cap cho cac nen tang khac, khien tiet kiem cua ban hoat dong o nhieu noi hon mot.

No pho bien voi nhung nguoi muon mot goc yen tinh hon trong the gioi crypto — noi de giu gia tri khong bap benh nhu Bitcoin hay Ethereum, trong khi van kiem duoc gi do.

Dieu gi lam sUSDS khac biet?

Co rat nhieu stablecoin, nhung phan lon cac loai thong thuong (nhu USD coin co ban) chi dung im o $1 va khong tra cho ban gi ca. sUSDS khac biet vi lai suat duoc tich hop truc tiep vao token. Ban khong can yeu cau phan thuong hay chuyen tien qua lai — chi can giu sUSDS la so du cua ban tu dong day gia tri USDS co the doi duoc ngay cang tang.

Su khac biet khac la lich su cua no. sUSDS duoc bao tro boi lich su lau dai va he thong quan tri cua MakerDAO/Sky, da quan ly hang ty dollar trong stablecoin trong nhieu nam. Thanh tich do khien nhieu nguoi dung tu tin hon so voi cac du an hoan toan moi va chua duoc kiem chung.

Lam the nao de mua va luu tru sUSDS?

Co hai cach pho bien de co duoc sUSDS:

• Duc (Mint): Gui USDS vao Sky Savings Rate (thuong thong qua ung dung chinh thuc cua Sky hoac cac nen tang DeFi tuong thich) va nhan sUSDS.
• Mua: Giao dich truc tiep sUSDS tren DEX (san giao dich phi tap trung — noi thi truong nguoi dung doi token truc tiep tu vi cua ho).

De luu tru sUSDS, ban su dung vi crypto (ung dung ky thuat so hoac thiet bi luu tru token va khoa bi mat kiem soat chung). Cac lua chon pho bien bao gom vi tren trinh duyet va vi phan cung (cac thiet bi vat ly nho giu khoa cua ban ngoai tuyen de bao mat them). Ai giu khoa se kiem soat dong coin, vi vay hay bao quan seed phrase (cac tu phuc hoi bi mat) that can than va khong bao gio chia se voi ai.

sUSDS co an toan khong? Rui ro can biet

sUSDS duoc xay dung tren mot he thong co uy tin va hoat dong lau nam, nhung khong co tai san crypto nao la khong co rui ro. Day la nhung dieu chinh can hieu:

• Rui ro hop dong thong minh: He thong duoc van hanh bang code, va ngay ca code da duoc kiem tra ky co the chua cac loi ma ke tan cong co the khai thac.
• Rui ro peg: USDS duoc thiet ke duy tri $1, nhung trong tinh trang thi truong cuc ky cang thang, mot stablecoin co the giao dich ngan han tren hoac duoi muc tieu.
• Thay doi lai suat: Lai suat tiet kiem do bo may quan tri thiet lap va co the tang hoac giam, vi vay lai suat ban kiem duoc khong co dinh mai mai.
• Rui ro tai san the chap: Gia tri cua sUSDS phu thuoc vao suc khoe cua cac tai san bao dam he thong Sky.

Khong co nghia la sUSDS la "xau" — day la nhung danh doi binh thuong trong DeFi. Dieu quan trong la hieu ban dang nam giu gi. Luon tu nghien cuu va khong bao gio dau tu nhieu hon so voi kha nang ban chiu dung mat. Bai viet nay mang tinh chat giao duc, khong phai loi khuyen tai chinh.

Cac cau hoi thuong gap ve sUSDS

sUSDS va USDS co giong nhau khong?

Khong. USDS la stablecoin thong thuong tri gia khoang $1. sUSDS la phien ban tiet kiem ban nhan duoc khi gui USDS vao Sky Savings Rate, va no tang gia tri khi lai suat tich luy.

So luong sUSDS trong vi cua toi co tang khong?

Khong, so luong token van giu nguyen. Thay vao do, theo thoi gian moi sUSDS co the doi lay nhieu USDS hon, nen gia tri dollar cua ban tang du so token khong doi.

sUSDS co lien ket voi MakerDAO khong?

Co. sUSDS duoc tao ra boi Sky — phien ban doi thuong hieu cua MakerDAO, du an DeFi lau doi noi tieng voi stablecoin DAI.

Toi co mat tien khi nam giu sUSDS khong?

Co the. Mac du sUSDS nham on dinh va sinh lai, nhung cac rui ro nhu loi hop dong thong minh, mat peg dollar tam thoi, hoac thay doi lai suat tiet kiem co nghia la loi nhuan khong bao gio duoc dam bao. Luon tu nghien cuu truoc khi quyet dinh.