什么是穩(wěn)定幣?
穩(wěn)定幣是一種價(jià)格錨定現(xiàn)實(shí)世界資產(chǎn)(通常是法幣,如美元)的加密貨幣。例如:1 USDT 理論上始終等于 1 美元。
為什么需要穩(wěn)定幣?
普通加密貨幣(如比特幣、以太坊)價(jià)格波動(dòng)劇烈,不適合日常支付或存儲(chǔ)價(jià)值。
穩(wěn)定幣提供了區(qū)塊鏈上的“數(shù)字現(xiàn)金”,既有加密貨幣的便捷(快速、低成本、全球轉(zhuǎn)賬),又有法幣的穩(wěn)定性。
三種主要類型
| 類型 | 原理 | 典型代表 | 風(fēng)險(xiǎn) |
|---|---|---|---|
| 法幣抵押型 | 在銀行存放等額法幣(或等價(jià)資產(chǎn)),1:1 發(fā)行穩(wěn)定幣 | USDT、USDC | 需信任托管方,存在審計(jì)和儲(chǔ)備金不透明的風(fēng)險(xiǎn) |
| 加密貨幣抵押型 | 超額抵押(例如 150% 價(jià)值)其他加密資產(chǎn),通過智能合約維持穩(wěn)定 | DAI | 加密資產(chǎn)大幅下跌可能導(dǎo)致清算,機(jī)制復(fù)雜 |
| 算法穩(wěn)定幣 | 無抵押,通過算法和套利調(diào)節(jié)供需來穩(wěn)定價(jià)格 | 曾經(jīng)的 UST(已崩盤) | 風(fēng)險(xiǎn)極高,容易陷入死亡螺旋,不適合新手 |
新手建議優(yōu)先選擇法幣抵押型,并選擇透明度高的項(xiàng)目(如 USDC)。
新手最容易踩的3個(gè)坑
- 鏈選錯(cuò),錢沒了
- USDT可以在以太坊、波場(chǎng)、幣安鏈上發(fā)行。轉(zhuǎn)給朋友時(shí),他給你“波場(chǎng)地址”,你卻選了“以太坊網(wǎng)絡(luò)”發(fā)送 → 錢永久丟失。
- ? 解決:轉(zhuǎn)賬前一定確認(rèn)雙方用同一條鏈(通常默認(rèn)TRC20便宜又快)。
- 貪利息,買算法穩(wěn)定幣
- 某些穩(wěn)定幣聲稱“不用抵押,靠算法維持價(jià)格”,年化20%吸引你。2022年UST崩盤,一天內(nèi)價(jià)格從1美元跌到0.1美元。
- ? 只碰 USDT / USDC / DAI,別碰任何“無抵押”穩(wěn)定幣。
- 把所有穩(wěn)定幣放一個(gè)交易所
- 交易所可能倒閉(如FTX)或凍結(jié)資金。
- ? 大額存到自己的去中心化錢包(如MetaMask、Trust Wallet),小額放交易所方便交易。
穩(wěn)定幣排行榜2026
涵蓋USDT、USDC、DAI、FDUSD、TUSD等主流及新興穩(wěn)定幣。提供實(shí)時(shí)市值、價(jià)格、24h交易量、1h/24h/7d漲跌幅、7天價(jià)格走勢(shì)圖。數(shù)據(jù)源自全球最大數(shù)據(jù)平臺(tái)coinmarketcap。
市值:$317,203,043,948,下降0.02%;交易量:$87,139,855,562,上升17.61%
| 名稱 | 價(jià)格 | 1小時(shí) | 24小時(shí) | 7天 | 市值 | 24小時(shí)交易量 | 流通供應(yīng)量 | 最近7天 |
|---|---|---|---|---|---|---|---|---|
Tether USDT
|
$0.9990 |
0.00% |
0.00% |
0.01% |
$186,294,566,649 | $71,516,268,436 71.58B |
186.47B USDT | |
USDC USDC
|
$0.9995 |
0.00% |
0.01% |
0.01% |
$74,720,522,371 | $12,196,931,356 12.20B |
74.75B USDC | |
Dai DAI
|
$0.9993 |
0.01% |
0.02% |
0.02% |
$5,361,989,319 | $56,841,260 56.87M |
5.36B DAI | |
World Liberty Financial USD USD1
|
$1.00 |
0.01% |
0.02% |
0.14% |
$4,659,098,187 | $1,957,273,260 1.95B |
4.65B USD1 | |
Ethena USDe USDe
|
$0.9988 |
0.00% |
0.01% |
0.01% |
$4,506,351,384 | $83,281,981 83.37M |
4.51B USDe | |
Global Dollar USDG
|
$0.9998 |
0.01% |
0.00% |
0.00% |
$2,776,605,212 | $84,395,157 84.40M |
2.77B USDG | |
PayPal USD PYUSD
|
$0.9997 |
0.00% |
0.01% |
0.01% |
$2,749,579,723 | $102,679,899 102.70M |
2.75B PYUSD | |
Ripple USD RLUSD
|
$0.9998 |
0.01% |
0.01% |
0.00% |
$1,647,632,783 | $156,550,382 156.56M |
1.64B RLUSD | |
USDD USDD
|
$0.9991 |
0.01% |
0.01% |
0.00% |
$1,369,886,376 | $64,268,708 64.32M |
1.37B USDD | |
United Stables U
|
$0.9996 |
0.01% |
0.02% |
0.01% |
$1,010,184,911 | $180,468,993 180.52M |
1.01B U | |
TrueUSD TUSD
|
$0.9981 |
0.01% |
0.01% |
0.05% |
$493,617,259 | $23,365,470 23.40M |
494.51M TUSD | |
EURC EURC
|
$1.14 |
0.15% |
1.14% |
0.54% |
$430,420,341 | $52,114,759 45.43M |
375.36M EURC | |
First Digital USD FDUSD
|
$0.9975 |
0.02% |
0.05% |
0.00% |
$351,649,592 | $204,025,789 204.50M |
352.51M FDUSD | |
Ondo US Dollar Yield USDY
|
$1.13 |
0.00% |
0.28% |
0.38% |
$2,149,195,431 | $1,246,007 1.09M |
1.89B USDY | |
Falcon USD USDf
|
$0.9943 |
0.02% |
0.15% |
0.03% |
$1,295,900,300 | $1,097,295 1.10M |
1.3B USDf | |
GHO GHO
|
$0.9987 |
0.02% |
0.00% |
0.02% |
$598,261,679 | $2,157,937 2.16M |
599M GHO | |
USDGO USDGO
|
$0.9998 |
0.01% |
0.01% |
0.01% |
$582,976,167 | $10,119,223 10.12M |
583.07M USDGO | |
Usual USD USD0
|
$0.9989 |
0.00% |
0.01% |
0.01% |
$559,596,137 | -- | 560.16M USD0 | |
USDai USDAI
|
$0.9993 |
0.02% |
0.03% |
0.02% |
$501,030,496 | $657,260 657.68K |
501.35M USDAI | |
Legacy Frax Dollar FRAX
|
$0.9902 |
0.02% |
0.02% |
0.21% |
$239,392,535 | $564,533 570.08K |
241.74M FRAX | |
USAT USAT
|
$0.9986 |
0.01% |
0.01% |
0.03% |
$187,237,144 | $1,249,842 1.25M |
187.48M USAT | |
GUSD GUSD
|
$0.9975 |
0.00% |
0.00% |
0.02% |
$149,076,669 | $277,041 277.71K |
149.44M GUSD | |
EUR CoinVertible EURCV
|
$1.14 |
0.09% |
1.12% |
0.48% |
$136,026,874 | $13,354,808 11.64M |
118.65M EURCV | |
AUSD AUSD
|
$0.9997 |
0.01% |
0.02% |
0.01% |
$134,262,507 | $4,353,784 4.35M |
134.29M AUSD | |
Frax USD FRXUSD
|
$0.9993 |
0.00% |
0.02% |
0.01% |
$120,102,985 | $2,573,740 2.57M |
120.17M FRXUSD | |
StandX DUSD DUSD
|
$0.9983 |
0.01% |
0.00% |
0.01% |
$100,432,332 | $158,718 158.98K |
100.59M DUSD | |
lisUSD lisUSD
|
$0.9967 |
0.11% |
0.00% |
0.13% |
$75,132,856 | $6,713 6.73K |
75.37M lisUSD | |
USDsui USDsui
|
$0.9978 |
0.05% |
0.09% |
0.12% |
$73,110,304 | $2,278,112 2.28M |
73.26M USDsui | |
Fidelity Digital Dollar FIDD
|
$0.9998 |
0.02% |
0.03% |
0.01% |
$62,592,130 | $3,645,096 3.64M |
62.6M FIDD | |
Venus BUSD vBUSD
|
$0.02229 |
0.00% |
0.04% |
0.06% |
$60,071,843 | -- | 2.69B vBUSD | |
Eurite EURI
|
$1.14 |
0.14% |
1.11% |
0.50% |
$56,884,622 | $15,936,545 13.90M |
49.61M EURI | |
StraitsX USD XUSD
|
$0.9998 |
0.01% |
0.01% |
0.03% |
$46,558,368 | $22,832,514 22.83M |
46.56M XUSD | |
Aegis YUSD YUSD
|
$0.9982 |
0.00% |
0.03% |
0.02% |
$40,589,990 | $8,592 8.60K |
40.65M YUSD | |
Gemini Dollar GUSD
|
$0.9994 |
0.02% |
0.01% |
0.08% |
$39,395,371 | $1,617,493 1.61M |
39.41M GUSD | |
BUSD BUSD
|
$0.9994 |
0.01% |
0.04% |
0.06% |
$37,821,892 | $1,159,853 1.16M |
37.84M BUSD | |
MetaMask USD mUSD
|
$0.9999 |
0.00% |
0.03% |
0.12% |
$36,216,740 | $2,097,137 2.09M |
36.21M mUSD | |
USDH USDH
|
$0.9996 |
0.01% |
0.03% |
0.02% |
$36,056,933 | $10,893,638 10.89M |
36.07M USDH | |
Ampleforth AMPL
|
$1.27 |
0.00% |
0.47% |
1.57% |
$36,047,945 | $2 1.63 |
28.27M AMPL | |
Celo Dollar CUSD
|
$0.9999 |
0.00% |
0.01% |
0.01% |
$35,554,135 | $368,237 368.23K |
35.55M CUSD | |
Anchored Coins AEUR AEUR
|
$1.13 |
0.17% |
0.60% |
0.98% |
$33,922,315 | $4,527 3.98K |
29.82M AEUR | |
Pax Dollar USDP
|
$0.9993 |
0.01% |
0.01% |
0.06% |
$31,934,758 | $4,317,749 4.32M |
31.95M USDP | |
Tokenised GBP TGBP
|
$1.32 |
0.22% |
1.38% |
0.98% |
$31,228,582 | $430,996 325.61K |
23.59M TGBP | |
LUSD LUSD
|
$0.9990 |
0.01% |
0.01% |
0.01% |
$30,747,622 | $39,024 39.06K |
30.77M LUSD | |
USDK USDK
|
$0.9922 |
0.00% |
0.04% |
0.26% |
$28,379,189 | -- | 28.6M USDK | |
Liquity USD LUSD
|
$1.00 |
0.04% |
0.09% |
0.23% |
$28,022,450 | $479 476.41 |
27.89M LUSD | |
StablR USD USDR
|
$3.33 |
3.44% |
65.47% |
128.14% |
$23,392,301 | $8,683 2.60K |
7.01M USDR | |
USDB USDB
|
$0.9961 |
0.01% |
0.06% |
0.02% |
$13,411,503 | $37,383 37.52K |
13.46M USDB | |
GYEN GYEN
|
$0.006132 |
0.05% |
2.70% |
1.19% |
$12,871,782 | $19 3.07K |
2.09B GYEN | |
USD CoinVertible USDCV
|
$0.9992 |
0.04% |
0.02% |
0.04% |
$12,590,942 | $31,565,236 31.59M |
12.6M USDCV | |
USDM USDM
|
$0.9992 |
0.23% |
0.16% |
0.32% |
$12,242,381 | $88,183 88.24K |
12.25M USDM |
