I-Ethena Pay Beta Iqala Nge-Avalanche, Iletha i-USDe Ezinkokhelweni Zansuku Zonke Nasekongeni

I-Criptolog » Izinhlamvu zemali » I-Avalanche » I-Ethena Pay Beta Iqala Ku-Avalanche, Iletha i-USDe Ezinkokhelweni Zansuku Zonke Nasekongeni

I-Ethena ikhiphe ngokusemthethweni inguqulo ye-beta ye-Ethena Pay, uhlelo lokusebenza lwezezimali oluhamba phambili oluhlose ukuvala igebe phakathi kwebhange lendabuko kanye nomhlaba wamadola edijithali. Lolu hlelo lokusebenza, olwakhelwe kuphela kwi-Avalanche blockchain, luvumela abasebenzisi ukuthi babambe, bathumele, futhi basebenzise i-USDe—idola lokwenziwa elithwala isivuno se-Ethena—kalula njengoba bebengakhipha imali kwi-akhawunti yasebhange ejwayelekile. Nakuba ubuchwepheshe obuyisisekelo buyinkimbinkimbi, ulwazi lomsebenzisi luklanyelwe ukuzizwa lujwayelekile, ngaphandle kwesidingo sokuqonda indlela yokulawula i-blockchain noma izimali zenethiwekhi ezikhethiwe.

Ukwethulwa kuphawula isinyathelo esibalulekile se-Ethena, sihambisa umkhiqizo waso ngale kwemingcele yokuhweba nge-crypto kanye namapulatifomu e-DeFi. Ngokuhlanganisa nenethiwekhi enkulu yabathengisi be-Visa kanye nokunikeza ama-ramp okuvula/ukuvala i-fiat ngokusebenzisa ozakwethu basebhange abanelayisensi, i-Ethena Pay izibeka njengebhange le-neobank lesizukulwane se-crypto-native. I-beta okwamanje iyatholakala ku-iOS emazweni angu-48, ngezinhlelo zokwandisa umkhiqizo wayo e-US, EU, nakwezinye izifunda ezinyangeni ezizayo.

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I-Akhawunti Yedijithali Yezindleko Zansuku Zonke

Emongweni wayo, i-Ethena Pay ihlanganisa i-akhawunti yokuhlola yendabuko nesikhwama semali sedijithali esizigcinayo. Lapho abasebenzisi befaka imali ye-fiat noma i-crypto, izimali ziguqulwa ngokuzenzakalelayo zibe yi-USDe. Lokhu kubavumela ukuthi bathole inzuzo ebhalansini yabo ngenkathi besakwazi ukuyisebenzisa ngekhadi le-Visa elixhunyiwe noma bayidlulisele kuma-akhawunti asebhange angaphandle ngezimali zasendaweni besebenzisa imininingwane ye-IBAN. Ukwakheka kohlelo lokusebenza kwakhiwe kumodeli engeyona eyokugcina, okusho ukuthi abasebenzisi bagcina ukulawula kwezimpahla zabo zedijithali, ngokufinyelela kwesikhwama kuvikelwe ngama-passkey kanye nokuqinisekiswa kwe-biometric.

Le nsizakalo ihlelwe ngohlelo lobulungu olunezigaba oluvuza izilinganiso eziphezulu kanye nokuzibandakanya. Abasebenzisi abajwayelekile bangathola imali efinyelela ku-5% ngonyaka kumabhalansi alinganiselwe ku-$5,000, kuyilapho amazinga e-Pro kanye ne-VIP enikeza i-APY efinyelela ku-6% kumabhalansi afinyelela ku-$15,000 kanye no-$50,000, ngokulandelana. Ukuze uvule lawa mazinga aphezulu, abasebenzisi kumele bavale amathokheni e-ENA (ithokheni lokuphatha lika-Ethena) noma bathumele inani elithile labangane—isinyathelo esixhumanisa ngqo ukusetshenziswa kwethokheni nokwamukelwa kohlelo lokusebenza. Ngaphezu kwalokho, ukuthengwa kwamakhadi afanelekile kuthola imali ebuyiselwe ekhokhwayo ku-AVAX, ithokheni lendabuko le-Avalanche, ngamanani asukela ku-4% kuya ku-5%, kanye namaphesenti afinyelela ku-10% kubathengisi abakhethiwe abafana ne-Uber kanye ne-Spotify kubasebenzisi be-VIP.

I-Avalanche: Ingqalasizinda Engabonakali

Esinye sezici ezivelele kakhulu ze-Ethena Pay ukuthembela kwayo okukhethekile ku-Avalanche njengesendlalelo sayo sokukhokha. Ngenkathi abasebenzisi besebenzisana nesixhumi esibonakalayo esihlanzekile nesinembile, konke ukudluliselwa kwe-USDe, izinkokhelo, kanye nemisebenzi yokukhokha kuyacutshungulwa ku-Avalanche blockchain. Lokhu kukhetha kokuklama kusebenzisa i-Avalanche ephezulu, izindleko zokuthengiselana eziphansi, kanye nokukhula, okubalulekile kuhlelo lokusebenza olubhekene nabathengi oluphatha ukuthengiselana okuvamile. Umsunguli we-Ethena uGuy Young ugcizelele ukuthi i-Avalanche yayiyiphayona kumafa wangempela (ama-RWA) kanye namafa anethokheni, okwenza kube yinto efanelekile ngokwemvelo kumkhiqizo ohlose ukuletha amadola edijithali ekusetshenzisweni kwansuku zonke.

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Ukuhlukaniswa phakathi kokuhlangenwe nakho komsebenzisi kanye ne-blockchain eyisisekelo kuyiphuzu elibalulekile lokuthengisa. I-Ethena Pay ichazwa njengokuhlangenwe nakho "kwezezimali ezihlanganisiwe", lapho ubuchwepheshe busebenza khona kakhulu ngaphandle kokubukwa. Lo modeli awukona nje owe-Ethena ; usebenza njengomhlahlandlela wamanye amabhange ama-neobank kanye nama-fintech afuna ukufaka imali ehlelwe ngaphandle kokuphoqa amakhasimende awo ukuba abe ochwepheshe be-crypto. Ngokufaka imali ekhona kanye nezinhlelo zokusebenza ngaphakathi kwe-Avalanche ecosystem, i-Ethena Pay inganikeza ibhuloho elingenamthungo phakathi kohlelo lwezezimali lwendabuko kanye nomnotho we-onchain.

Ukwanda Kokusatshalaliswa kanye Nomthelela Wemakethe

Ukwethulwa kwe-Ethena Pay kungaphezu nje kohlelo lokusebenza olusha; kuyisinyathelo esihlakaniphile sokwandisa ukusatshalaliswa kwe-USDe. I-Ethena isivele icubungule imali engaphezu kwezigidigidi ezingama-30 zamaRandi ngezinhlelo zayo ze-mint and redemption, kanti i-USDe ihlanganiswe kumapulatifomu nezinqubo ezingaphezu kwe-100. Kodwa-ke, iningi lalowo msebenzi lilinganiselwe ekuhwebeni nasekukhiqizeni isivuno. I-Ethena Pay idala isiteshi sabathengi esiqondile, esivumela i-USDe ukuthi ijikeleze ekuthengiselaneni kwansuku zonke—ukukhokhela ikhofi, ukuthumela imali emndenini phesheya, noma ukuyigcina nje njengemoto yokonga.

Imakethe isabele kahle kulesi simemezelo. I-ENA, uphawu lokuphatha lwe-Ethena, ibone ukunyuka okukhulu kwentengo, ithola ngaphezu kuka-7% emahoreni angama-24 futhi yandisa inzuzo yayo yanyanga zonke ibe ngaphezu kuka-80%. Lokhu kunyuka kwakhuthazwa futhi yisiphakamiso sokuphatha esihlukile esivela ku-Ethena Foundation sokunikeza u-95% wemali engenayo yephrothokholi ekuthengeni kwe-ENA uma ukunikezwa kwe-USDe okujikelezayo kufinyelela ku-$7.5 billion. Lesi siphakamiso, kanye nohlelo lokusebenza olusha lwabathengi, sibonisa ukushintshela ohlelweni oluzinzile noluhambisana namathokheni. Kodwa-ke, kubalulekile ukuqaphela ukuthi ukuqaliswa kwe-beta kuza phakathi kokuhlolwa komthetho, okuhlanganisa nokubhekisela ku-BaFin yaseJalimane eyala i-Ethena GmbH ukuthi imise imisebenzi yayo ehlobene ne-USDe ngemuva kokuthi inkampani ihoxise isicelo sayo ngaphansi komthethonqubo we-crypto-asset waseYurophu (i-MiCA).

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Uma sibheka phambili, i-Ethena ihlela ukwandisa ukufinyelela masonto onke kulo lonke uSepthemba, ngokusekelwa kwe-Android, ukutholakala kwe-US kanye ne-EU, kanye nama-akhawunti ezimali eziningi okulindeleke ukuthi alandele. I-beta yokuqala inqunyelwe kubasebenzisi abangu-400, isinyathelo esihlosiwe sokuqinisekisa ukuzinza nokuqoqa impendulo . Nakuba uhlelo lokusebenza lungatholakali kubantu base-US ngalesi sikhathi ngenxa yemikhawulo yemithetho, uhlu lokulinda luvulekele abasebenzisi ezindaweni ezingasekelwa. Le nkampani igcizelela ukuthi ayisebenzi njengebhange, ayibambi imali yamakhasimende , noma yandise isikweletu, ngezinsizakalo ze-fiat ezinikezwa ngabalingani abanelayisensi kanye nezimpahla zedijithali ezigcinwe zodwa.

I-Ethena Pay imele ukuhlolwa okunesibindi ekwenzeni amadola edijithali abe wusizo njengemali yendabuko. Ngokuhlanganisa izakhiwo ezikhiqiza isivuno ze-USDe kanye nohlelo lokusebenza lwe-fintech lwesimanje, nangokusebenzisa ingqalasizinda eqinile ye-Avalanche, i-Ethena iyabheja ukuthi abathengi bazokwamukela umkhiqizo wezezimali onikeza okungaphezu nje kwendawo yokugcina inani. Impumelelo yale beta izoba yinkomba yokuthi isizukulwane esilandelayo sezicelo zezimali sizokwakhiwa ngemali ehlelwe kahle, nokuthi abasebenzisi bakulungele yini ukushiya ubunzima be-crypto ngemuva ukuze bathole ulwazi olungenamthungo noluhlanganisiwe.