📊 Since the beginning of this year, the market value of stablecoins has begun to recover, and the trend has emerged!

🔹 Why are stablecoins so important?

Stablecoins are more than just “safe haven assets”; they play the following key roles in the crypto world:

✅ Safe haven: Stay away from market fluctuations and avoid the trouble of depositing and withdrawing fiat currency

✅ Financial infrastructure: DeFi, RWA and other financial products all rely on stablecoins

✅ Entry bridge: Many investors’ first crypto asset is stablecoin

✅ Payment and transaction: Compared with BTC, stablecoins are more suitable for global payment and settlement

💡 Six types of stablecoins

📌 Different types of stablecoins have different asset support methods:

1️⃣ Fiat-Backed: 1:1 backed by real fiat currency (such as USDT, USDC)

2️⃣ RWA-backed (Real World Asset-Backed): Backed by real-world assets (such as bonds, real estate) (such as BUIDL, USDY)

3️⃣ Crypto-Backed: Backed by over-collateralized crypto assets to prevent market fluctuations (such as DAI, USDS)

4️⃣ Algorithmic stablecoins: Dynamically adjust supply and demand through smart contracts (many failed cases in the past)

5️⃣ Synthetic stablecoins: Using financial instruments to provide returns (such as USDe)

6️⃣ Central Bank Digital Currency (CBDC): Issued by the government and pegged to legal tender

📌 In the era of globalization, every country and company is creating its own stable currency to attract capital into this track! **

Comparison of the top stablecoins currently on the market

1️⃣ 💰 USDT ($142.5B) & USDC ($50.5B)

✅ Strongest tradition: Fiat currency support, the most trusted in the world

✅ Transparency: USDC is subject to stricter regulation

❌ Low yield, suitable for conservative investors

2️⃣ 💵 USDe ($5.37B)

✅ Highest return (6.6% APY), synthetic dollar concept

✅ The fastest growing stablecoin, ranked among the top three within a year

❌ Possible regulatory risks

3️⃣ 🔗 DAI ($4.3B) & USDS ($4.7B)

✅ Crypto assets are over-collateralized and decentralized

✅ USDS offers higher yield (6.3% APY)

❌ Compared with USDT/USDC, slightly less stable

4️⃣ 🏦 BUIDL ($1.9B) & USDY ($487.8M)

✅ RWA supported, issued by traditional financial giants (such as BlackRock)

✅ Rapid capital inflow, BUIDL increased by 240% in 1 month

❌ No separate staking income, but higher security

📈 Comparison of major stablecoin returns

Stablecoins with the highest yield:

- USDe: 6.63%

- USDS: 6.30%

- DAI: 5%

🔹 Traditional stablecoin benefits:

- USDC: 3.12%

- USDT: 3.03%

🔹 RWA supports stablecoins (BUIDL & USDY): no separate income yet

📌 How to choose the right stablecoin for you?

✅ Security first: USDT and USDC are suitable for stable investors

✅ Seeking high returns: USDe, USDS, and DAI offer higher returns

✅ Focus on innovation: #BUIDL and USDY represent new trends in the RWA track

💡Future Outlook : As the global market gradually accepts stablecoins, #RWA and synthetic #stablecoins are expected to become the next wave of hot spots.

🎯Don’t blindly follow the trend. Only by flexibly configuring a stablecoin portfolio based on your personal risk preferences and investment strategies can you be invincible in the crypto market! 💪