什么样的法币锚定稳定币才值得信任?

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基于独立审计法币储备与合规许可,BUSD安然度过稳定币振荡期。

  • BUSD是锚定法币储备、定期接受审计的合规稳定币,一直以来都是市场上最受信任的稳定币之一

  • 而算法稳定币等其它稳定币则由于安全保障缺乏而受到市场波动冲击

  • BUSD以充足的法币储备维持了锚定比率,定期接受Withum审计,并维持NYDFS的绿名单状态

稳定币的信心来自什么?一直以来,BUSD最重要的信心来自监管合规。BUSD遵守严格的指引,保持对用户社区的透明度,即便在近期脱锚事件多发的市场环境中,BUSD也没有让用户失望。与算法稳定币不同的是,BUSD的法币储备是透明可查的,其充足的法币储备也共同维持了BUSD的美元锚定比率,而市场上的稳定币并非都能做到这一点。

自2014年Tether(USDT)面世以来,稳定币就一直是加密资产投资者眼中的重要币种。在波动性高的市场中,相对稳定的币种优势显而易见,因而广受欢迎。不过,稳定币的稳定性取决于锚定比率的稳定性。

不同稳定币的锚定方式(无论锚定的是美元、欧元,甚至是其它加密资产)有很大不同。随着时间推移,有些锚定方式效果显著,逐渐成为了主流。放眼未来,加上近期发生的脱锚事件,稳定币要保持稳定,监管的重要性将与日俱增。

BUSD等稳定币要保证稳定性需要满足哪些条件?

真正值得投资者信任的稳定币需要在监管、审计和储备三方面都做到最好。

1. 作为安全担保的充足法币储备

稳定币的稳定性取决于其锚定的货币是否能在波动性高的市场行情中依然保持价格稳定。因此,法币锚定稳定币最好是选择安全、不容易贬值的资产进行锚定。

在各类储备资产中,法币是不错的选择。因此,BUSD有96%的法币储备是现金及现金等价物,其余4%为美国国债。这样的美元锚定组合是业内领先的设计,其中美国国债更是全球信任度最高的有息证券。除了确保充足的担保,Paxos还为BUSD的铸币和销毁设计了透明的程序。此外,如果出现非法行为,Paxos还可在必要时冻结账户并移除资金。所有的这些原则都符合Trust Charter和纽约州银行法针对稳定币的规定。

2. 透明的储备金审计程序

币安认为,法币锚定稳定币的稳定性取决于背后的法币储备金,必须由有公信力的审计机构定期进行审计,让用户可以随时了解储备金的情况。

BUSD的储备金由Withum进行审计,并每月发布审计报告。

3. 获得许可并接受监管机构监管

这是必要的一步。稳定币接受监管,投资者就可以获得监管机构的保护,从而对稳定币更加有信心。未来的稳定币一定是有监管的稳定币。

BUSD由币安的合作伙伴Paxos发行,稳定币及其发行方都接受本领域领先的纽约金融服务局(NYDFS)的监管。BUSD是极少数监管合规、有安全保障的稳定币之一。

此外,BUSD也是NYDFS的绿名单成员,获得了托管与交易的预先批准,这一点是市场上很多大型同类产品都做不到的。

监管、审计与储备金是稳定币的三大重要支柱

简单来说,监管、定期审计和充足的储备金可以阻碍脱锚因素产生,从而避免出现脱锚现象。

通常来说,储备金不足额、担保资产风险过高、管理不善等原因都可以导致稳定币出现脱锚。而BUSD的三大支柱确保了这些因素不会发生,为生态系统中最重要的利益相关方——用户提供了安全保障。

稳定币投资拒绝侥幸心理

包括BUSD在内的各种稳定币是加密资产生态的重要组成部分,我们希望投资者持有稳定币是因为真正对它们有信心。因此,请确保你所持有的稳定币符合以上三大关键标准。

更多详情,请访问:

  • (客服支持)币安 USD (BUSD)购币指引

  • (币安学院)稳定币是什么?

  • (币安学院)BUSD是什么? | 币安学院

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