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  • Yeah, well we mentioned stable coins a few times there so we probably should talk about like what these curious instruments are.

    是的,我們在那裡提到過幾次穩定的硬幣,所以我們也許應該談談像這些好奇的工具是什麼。

  • Again, that's one of the things that caught my eye when I took a double take at this market and I thought wow that's some serious innovation.

    同樣,這也是吸引我注意的事情之一,當我仔細觀察這個市場時,我想哇,這是一些嚴肅的創新。

  • But I had, I had student the other night on my course and they said um I'm looking at the stable coin brian, I don't know what to do with it because if I invest in it it doesn't go up, it seems so boring and what's the point?

    但我有,我有學生有一天晚上在我的課程上,他們說,嗯,我在看穩定的硬幣,布萊恩,我不知道該怎麼做,因為如果我投資它,它不會上升,它似乎很無聊,有什麼意義?

  • And I laughed and I thought how can I explain this?

    我笑了,我想我怎麼能解釋這個呢?

  • And I thought, you know what I like boring, there's sometimes where you like boring.

    我想,你知道我喜歡無聊,有時你會喜歡無聊。

  • Um I have two young boys are four and five years old and they have a babysitter when I come home at night I want to see boring, I don't want to see somebody dancing on a pole, you know with the whiskey out and some party, you know, I want to, I want boring, you know, I want something that's not volatile that I know it's gonna be there.

    我有兩個小男孩,分別是四歲和五歲,他們有一個保姆,當我晚上回家時,我想看到無聊的東西,我不想看到有人在柱子上跳舞,你知道,有威士忌和一些聚會,你知道,我想,我想要無聊的東西,你知道,我想要一些不波動的東西,我知道它會存在。

  • I moved into a neighborhood where nothing goes on right and that's a beautiful thing.

    我搬到了一個沒有什麼事情發生的街區,這是一件很美好的事情。

  • And so I tried to explain that a stable coin does that similar thing where everything else can be chaotic and up and down.

    於是我試圖解釋,一個穩定的硬幣會做那種類似的事情,而其他一切都可能是混亂的,上下顛倒的。

  • The only thing I promise you is boring stability.

    我向你保證的唯一事情是無聊的穩定性。

  • It will most likely be this one thing and we're gonna try really hard and the track record shows we can pretty much do that, but that in itself is his incredible value and maybe you can talk about this because this is also the embodiment of a smart contract.

    它很可能是這一件事,我們會非常努力,而且記錄顯示我們基本可以做到這一點,但這本身就是他不可思議的價值,也許你可以談談這個,因為這也是智能合約的體現。

  • And it also, I think even surprising to you has become one of the biggest uses of, Of Blockchain of your platforms as well, you know, who would have thunk a few years ago.

    而且它也,我想甚至讓你感到驚訝的是,已經成為你的平臺的區塊鏈的最大用途之一,你知道,幾年前誰會想到呢。

  • So again, maybe you can talk about some of those points.

    是以,再次,也許你可以談談其中的一些觀點。

  • Yeah and all that makes a lot of sense.

    是的,所有這些都有很大的意義。

  • So a stable coin is a crypto asset that's meant to be represented exactly $1 and there's a huge demand for these stable coins because relative to dollars in the bank account, stable coins are much more portable.

    是以,穩定幣是一種加密資產,它要正好代表1美元,對這些穩定幣有巨大的需求,因為相對於銀行賬戶中的美元,穩定幣更容易攜帶。

  • You can send them to anyone anywhere in the world at any hour.

    你可以在任何時間向世界上任何地方的任何人發送。

  • Um they can cross capital markets, they can cross geography is much more easily than dollars held in a bank account.

    嗯,他們可以跨越資本市場,他們可以跨越地理,比在銀行賬戶中持有的美元更容易。

  • Can you know, even just wiring money to someone is like A chore.

    你知道嗎,即使只是給別人匯錢也是一件苦差事。

  • You know, it often involves like visits to a bank and like $15 fees and it takes hours of multiple phone calls.

    你知道,這往往涉及到像訪問銀行和像15美元的費用,而且需要幾個小時的多個電話。

  • Right, stable coins are like the most portable version of the dollar.

    沒錯,穩定的硬幣就像最便攜的美元版本。

  • Um you just can't keep them in your crypto wallet and you can send them to anyone else's crypto wallet.

    嗯,你只是不能把它們放在你的加密貨幣錢包裡,你可以把它們發送到其他人的加密貨幣錢包裡。

  • Very simply, it can also be sent to a defi application and this is the second advantage of stable coins is that the programmable.

    很簡單,它也可以被髮送到一個defi應用程序,這就是穩定幣的第二個優勢,就是可編程的。

  • So anyone out there who's building a defi application can very easily program stable coins, they can build interest rates into markets for stable coins like compound, They can come up with tools so you can trade stable coins for other crypto assets and vice versa.

    是以,任何正在建立defi應用程序的人都可以非常容易地對穩定幣進行編程,他們可以在穩定幣的市場中建立利率,如複利,他們可以想出一些工具,以便你可以用穩定幣交易其他加密資產,反之亦然。

  • They're more useful than dollars held in a bank account because you can trade them, you can program them to do all sorts of extremely complex and rich behavior with them.

    它們比存在銀行賬戶中的美元更有用,因為你可以交易它們,你可以給它們編程,用它們做各種極其複雜和豐富的行為。

  • So you know, imagine the international demand for dollars, it's huge, it's off the charts.

    所以你知道,想象一下國際上對美元的需求,它是巨大的,它是不計其數的。

  • Imagine the international demand for better dollars that are more portable and they're programmable and you can interact in all sorts of ways with them.

    想象一下國際上對更好的美元的需求,它們更容易攜帶,而且是可編程的,你可以以各種方式與它們互動。

  • That's a stable coin.

    這是個穩定的硬幣。

  • And so what's happening is there's lots of like dollars that were being held in bank accounts that are moving into crypto, people are trading or buying stable coins with dollars.

    是以,現在的情況是,有很多像銀行賬戶中的美元正在轉移到加密貨幣中,人們正在用美元交易或購買穩定的硬幣。

  • They do this through coin based, they do this through exchanges, converting dollars into stable coins because stable coins for a lot of use cases are just better then dollars held in a bank account.

    他們通過基於硬幣的方式來做這件事,他們通過交易所來做這件事,將美元轉換成穩定的硬幣,因為穩定的硬幣在很多使用情況下比銀行賬戶中的美元更好。

  • And likewise, there's a lot of people that are borrowing stable.

    同樣,也有很多人在借貸方面很穩定。

  • It's extremely hard to borrow dollars in the bank accounts very easy to borrow stable coins from a system like compound.

    在銀行賬戶中借用美元是非常困難的,從複利這樣的系統中借用穩定的硬幣非常容易。

  • And so this borrowing demand creates a yield opportunity for those people with stable points and it's one of the things that actually pulls dollars from bank accounts into a stable coins in the first place, as people say, wow, I can earn a 3% yellow stable coins like I can't learn anything in my bank, it's 10 basis points or zero or 80 plus fees you know and so it is it is it the new gateway drug for crypto?

    是以,這種借貸需求為那些擁有穩定點數的人創造了一個收益機會,這也是首先將美元從銀行賬戶拉入穩定幣的原因之一,因為人們說,哇,我可以賺到3%的黃色穩定幣,就像我在銀行裡學不到任何東西一樣,它是10個基點或零或80加費用,你知道,所以它是它是加密貨幣的新門戶藥物?

  • It used to be Bitcoin now with stable coins as in a nice way I'm saying it gets people to try it for the first time because it's so clear the volatility is low.

    以前是比特幣,現在是穩定幣,因為以一種很好的方式,我說它讓人們第一次嘗試,因為它很清楚,波動性很低。

  • It's a great analogy I would say at this moment stable coins and N.

    這是一個很好的比喻,我想說此刻穩定的錢幣和N。

  • F.

    F.

  • T.

    T.

  • S.

    S.

  • Are like the two gateway drugs that get people into crypto that aren't, they are just to speculate on the price of Bitcoin or either in the first place it's extremely useful and interesting like on ramps into the ecosystem and if you're someone that's like boring that you don't want to go out and buy a bunch of Bitcoin and ether even if you think it's a great investment, you know you might be attracted to, oh I can earn 3% and the price of the thing doesn't go up right that's attractive to people who like boring and so you know this is something that surprised I think myself and the whole ecosystem is when compound lobster wasn't a stable coin as a supported market and it wasn't until you know compound been running for a while that stable coins really came into fruition and it turned out that this was like the killer use case of a decent decentralized financial market like compound was to borrow a stable asset which is much better than borrowing a volatile one.

    就像兩個網關藥物,讓人們進入加密貨幣,而不是,他們只是為了投機比特幣的價格,或者首先它是非常有用和有趣的,就像進入生態系統的斜坡,如果你是一個喜歡無聊的人,你不想出去買一堆比特幣和乙醚,即使你認為這是一個偉大的投資,你知道你可能會被吸引。哦,我可以賺到3%,而且價格不會上漲,這對那些喜歡無聊的人來說很有吸引力,所以你知道這是讓我自己和整個生態系統感到驚訝的事情,當複合龍蝦不是一個穩定的硬幣作為一個支持的市場,直到你知道複合已經運行了一段時間,穩定的硬幣才真正開始發揮作用,事實證明,這是一個像複合這樣的體面

  • Reader debt is uncertain And earning a yield on a stable asset is much more exciting than earning a yield on volatile.

    讀者的債務是不確定的,而在穩定的資產上賺取收益比在不穩定的資產上賺取收益更令人興奮。

  • So stable coins have turned out to be this like this unbelievably important tool for global crypto markets.

    是以,穩定幣已經變成了全球加密貨幣市場的這種類似於這種令人難以置信的重要工具。

  • Yeah.

    是的。

  • It's incredible if you think about it even back in the day if you would go to places like Russia or South America, even the 80s and 90s, you know the babushkas, they had dollars under the mattress right?

    如果你想一想,即使在過去,如果你去像俄羅斯或南美這樣的地方,甚至在80年代和90年代,你知道babushkas,他們在床墊下有美元,這真是不可思議。

  • They knew they had been through the ruble devaluation as they had been through the repudiation that you know all the wars and everything they knew property or american dollars is where you'd hold that currency and now you're giving them it's not the equivalent we can talk about it but you're giving them you know something like that digitally and again you make some points.

    他們知道他們已經經歷了盧布貶值,因為他們已經經歷了否定,你知道所有的戰爭和一切,他們知道財產或美國美元是你持有貨幣的地方,現在你給他們的不是等價物,我們可以談論它,但你給他們的是你知道類似於數字的東西,你再次提出一些觀點。

  • A lot of people don't realize, I mean trying to get dollars out of a bank or move them geographically has all sorts of implications from you know K.

    很多人沒有意識到,我的意思是,試圖把美元從銀行中取出來,或者在地理上移動它們,有各種影響,從你知道K。

  • Y.

    Y.

  • C.

    C.

  • And L.

    和L.

  • M.

    M.

  • And who's doing this and who's taxing this and whereas with a crypto transaction it's it's boom it's moved it's instant and you're seeing like that instant nature of it you know changing people's minds on how crypto works.

    誰在做這件事,誰在對這件事徵稅,而對於加密貨幣交易來說,它是蓬勃發展的,它是即時的,你看到的是它的即時性,你知道改變人們對加密貨幣如何工作的想法。

  • Like people used to say like oh crypto is so much like a worst user experience than like the banking system in Venmo and all these things right?

    就像人們常說的那樣,哦,加密貨幣比Venmo和所有這些東西的銀行系統的用戶體驗要差很多,對嗎?

  • Because it's like you have to have a wallet and like it's complex and received phrases and like if it goes wrong you can lose your crypto.

    因為它就像你必須有一個錢包,就像它很複雜,收到的短語,就像如果它出錯,你可能會失去你的加密貨幣。

  • But like at this point stable coins are just superior to you know wire transfers.

    但在這一點上,穩定的硬幣只是優於你知道的電匯。

  • You know they're faster, they're cheaper, they're instant, you know it's just like a better way for money to move.

    你知道他們更快,他們更便宜,他們是即時的,你知道它只是像一個更好的資金流動方式。

  • And so I think like it's winning over like the hearts and minds of people.

    所以我認為它正在贏得人們的心和思想。

  • I'm starting to venture capital firms using stable coins to invest in startups instead of dollars because they can you know close transactions like the second that the docks are side um you know I think stable coins are like this unbelievably powerful opportunity and I think it's one of the most important trends for the U.

    我開始有風險投資公司使用穩定幣來投資初創企業,而不是美元,因為他們可以在碼頭邊上的那一秒鐘就完成交易嗯,你知道我認為穩定幣是這種令人難以置信的強大機會,我認為它是美國最重要的趨勢之一。

  • S.

    S.

  • Dollar and I think it's catching the eye of you know the Federal Reserve and regulators at this point.

    美元,我認為它正在吸引你知道的美聯儲和監管機構的目光,在這一點上。

  • But I think there's like so much promise and opportunity, stable coins that you know I think the next couple of years are going to be a major turning point just in how dollars get used and hopefully the world can start to embrace stable coins just making dollars more useful.

    但我認為,穩定幣有如此多的前景和機會,你知道,我認為未來幾年將是美元使用方式的一個重要轉捩點,希望世界能夠開始接受穩定幣,使美元更加有用。

Yeah, well we mentioned stable coins a few times there so we probably should talk about like what these curious instruments are.

是的,我們在那裡提到過幾次穩定的硬幣,所以我們也許應該談談像這些好奇的工具是什麼。

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A2 初級 中文 穩定 美元 硬幣 銀行 無聊 賬戶

羅伯特-萊什納談穩定幣的重要性和好處? (Robert Leshner On The Importance & Benefits Of Stablecoins ?)

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    林宜悉 發佈於 2021 年 09 月 09 日
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