[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"article-wendingbi-nalailai-zuo-shenme-zh":3,"article-related-wendingbi-nalailai-zuo-shenme-zh":33,"series-blockchain-e8fced92-c3ce-4c0e-8edf-7b050658c770":85},{"id":4,"slug":5,"title":6,"content":7,"summary":8,"source":9,"source_url":10,"author":11,"image_url":12,"cover_image":12,"category":13,"language":14,"translated_content":11,"related_article_id":15,"keywords":16,"key_takeaways":25,"views":29,"created_at":30,"published_at":31,"topic_cluster_id":32},"e8fced92-c3ce-4c0e-8edf-7b050658c770","wendingbi-nalailai-zuo-shenme-zh","穩定幣：拿來做什麼？","\u003Cp data-speakable=\"summary\">這篇比較 USDS、\u003Ca href=\"\u002Ftag\u002Fusdc\">USDC\u003C\u002Fa>、GHO 和 Glo Dollar，幫你判斷哪種\u003Ca href=\"\u002Ftag\u002F穩定幣\">穩定幣\u003C\u002Fa>最適合支付、存放、借貸或支持公益。\u003C\u002Fp>\u003Cp>穩定幣看起來都像美元，但背後的\u003Ca href=\"\u002Fnews\u002Fdata-center-world-2026-ai-pushes-infra-limits-zh\">設計\u003C\u002Fa>差很多。這篇是寫給正在選擇要用哪一種穩定幣的人，尤其是想在「好用、穩、去\u003Ca href=\"\u002Fnews\u002Fdata-center-strategy-must-move-beyond-center-zh\">中心\u003C\u002Fa>化、公益」之間做取捨的讀者。\u003C\u002Fp>\u003Ch2>一張表看懂\u003C\u002Fh2>\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>比較維度\u003C\u002Fth>\u003Cth>\u003Ca href=\"#usds\">USDS\u003C\u002Fa>\u003C\u002Fth>\u003Cth>\u003Ca href=\"#usdc\">USDC\u003C\u002Fa>\u003C\u002Fth>\u003Cth>\u003Ca href=\"#gho\">GHO\u003C\u002Fa>\u003C\u002Fth>\u003Cth>\u003Ca href=\"#glo-dollar\">Glo Dollar\u003C\u002Fa>\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>市值\u003C\u002Ftd>\u003Ctd>103.5 億美元\u003C\u002Ftd>\u003Ctd>767.2 億美元\u003C\u002Ftd>\u003Ctd>5.83 億美元\u003C\u002Ftd>\u003Ctd>208.7 萬美元\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>抵押與發行模式\u003C\u002Ftd>\u003Ctd>加密資產抵押\u003C\u002Ftd>\u003Ctd>法幣儲備支持\u003C\u002Ftd>\u003Ctd>混合式加密抵押\u003C\u002Ftd>\u003Ctd>法幣儲備，並導向公益捐贈\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>主要優勢\u003C\u002Ftd>\u003Ctd>鏈上持有與 DeFi 控制權\u003C\u002Ftd>\u003Ctd>規模大、接受度高\u003C\u002Ftd>\u003Ctd>借貸與治理整合度高\u003C\u002Ftd>\u003Ctd>使用同時支持公共利益\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>最適合的用途\u003C\u002Ftd>\u003Ctd>DeFi 儲蓄、質押、借貸\u003C\u002Ftd>\u003Ctd>支付、出入金、日常轉帳\u003C\u002Ftd>\u003Ctd>Aave 生態與治理參與\u003C\u002Ftd>\u003Ctd>有價值觀訴求的日常使用\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>風險重點\u003C\u002Ftd>\u003Ctd>依賴抵押品與協議設計\u003C\u002Ftd>\u003Ctd>依賴發行方儲備與審計\u003C\u002Ftd>\u003Ctd>依賴抵押品與社群治理\u003C\u002Ftd>\u003Ctd>流動性小、可用性有限\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Ch2 id=\"usds\">USDS：想保留鏈上控制權的人\u003C\u002Fh2>\u003Cp>USDS 是偏向 \u003Ca href=\"\u002Ftag\u002Fdefi\">DeFi\u003C\u002Fa> 使用者的穩定幣。它的價值主張不是「最像銀行裡的美元」，而是「你仍然握有資產控制權」。如果你習慣用錢包自己管理資產，或常在協議之間移動資金，USDS 會比傳統法幣型穩定幣更順手。\u003C\u002Fp>\n\u003Cfigure class=\"my-6\">\u003Cimg src=\"https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1779293041256-zc14.png\" alt=\"穩定幣：拿來做什麼？\" class=\"rounded-xl w-full\" loading=\"lazy\" \u002F>\u003C\u002Ffigure>\n\u003Cp>但它的穩定邏輯也比較複雜。你要接受抵押品、清算機制、協議參數和市場波動都會影響結果。這種設計對熟悉鏈上操作的人很自然，對只想單純收付款的人就不一定是最省心的選擇。\u003C\u002Fp>\u003Ch2 id=\"usdc\">USDC：最通用的美元穩定幣\u003C\u002Fh2>\u003Cp>USDC 是這四個選項裡最像「標準答案」的穩定幣。它的市值約 767.2 億美元，規模遠大於其他選項，代表它在交易所、錢包、鏈上應用和出入金場景裡通常都比較容易找到位置。\u003C\u002Fp>\n\u003Cfigure class=\"my-6\">\u003Cimg src=\"https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1779293041051-eb0i.png\" alt=\"穩定幣：拿來做什麼？\" class=\"rounded-xl w-full\" loading=\"lazy\" \u002F>\u003C\u002Ffigure>\n\u003Cp>它的弱點也很明確，就是信任集中在發行方與儲備管理。你換到的是便利、流動性和普及度，代價則是必須接受中心化架構。對多數新手來說，這個代價通常可接受，但它確實不是最去中心化的版本。\u003C\u002Fp>\u003Ch2 id=\"gho\">GHO：把穩定幣放進借貸生態裡\u003C\u002Fh2>\u003Cp>GHO 的特色不是「最大」或「最有名」，而是它和 Aave 借貸生態綁得很緊。若你已經在 DeFi 裡做抵押、借款或治理參與，GHO 會讓整個流程更像一套完整\u003Ca href=\"\u002Fnews\u002Fhow-to-crack-system-design-interviews-in-2026-zh\">系統\u003C\u002Fa>，而不是單獨拿一個美元代幣出來用。\u003C\u002Fp>\u003Cp>它的市值約 5.83 億美元，和 USDC 相比小很多，這也意味著可用性、深度與普及度都沒那麼強。換句話說，GHO 比較適合重視協議一致性與社群治理的人，不適合只求哪裡都能用的使用者。\u003C\u002Fp>\u003Ch2 id=\"glo-dollar\">Glo Dollar：把使用行為變成公益支持\u003C\u002Fh2>\u003Cp>Glo Dollar 的定位最特別。你一樣是在用穩定幣做支付或持有，但它把收益導向公共利益與慈善用途。若你本來就會在意「我用的工具是否也能產生社會回饋」，這種設計會很有吸引力。\u003C\u002Fp>\u003Cp>不過它的規模只有約 208.7 萬美元，和前面幾個選項相比非常小。這代表它在流動性、接受度與實際可用範圍上都比較受限，所以更像是價值導向的選擇，而不是市場上的通用解。\u003C\u002Fp>\u003Ch2>怎麼選\u003C\u002Fh2>\u003Cp>如果你要的是最省事、最容易被接受的美元穩定幣，選 USDC。它最適合新手、跨平台轉帳、交易所出入金，以及想降低學習成本的人。\u003C\u002Fp>\u003Cp>如果你重視自己掌控資產，且主要用途是 DeFi 儲蓄、借貸或協議內操作，選 USDS。它最適合已經熟悉錢包與鏈上協議的使用者。\u003C\u002Fp>\u003Cp>如果你本來就是 Aave 使用者，或希望穩定幣本身就和借貸、治理綁在一起，選 GHO。它最適合重度 DeFi 讀者，而不是一般支付需求。\u003C\u002Fp>\u003Cp>如果你想讓每次使用都順便支持公益，選 Glo Dollar。它最適合有價值觀訴求、願意接受較小流動性的人。\u003C\u002Fp>\u003Cp>預設推薦是 USDC，因為它最通用；唯一會讓答案改變的情境，是你明確想要鏈上自我保管與 DeFi 原生設計，那就該改選 USDS。\u003C\u002Fp>","這篇比較 USDS、USDC、GHO 和 Glo Dollar，幫你判斷哪種穩定幣最適合支付、存放、借貸或支持公益。","ethereum.org","https:\u002F\u002Fethereum.org\u002Fstablecoins\u002F",null,"https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1779293041256-zc14.png","blockchain","zh","5c30c398-1d42-432f-9f8c-e887dac30a77",[17,18,19,20,21,22,23,24],"穩定幣","USDC","USDS","GHO","Glo Dollar","DeFi","加密貨幣","美元穩定幣",[26,27,28],"USDC 是最通用、最容易上手的預設選項。","USDS 更適合重視鏈上控制權與 DeFi 使用者。","GHO 與 Aave 生態整合最深，Glo Dollar 則偏向公益導向。",3,"2026-05-20T16:03:33.517329+00:00","2026-05-20T16:03:33.436+00:00","2804ae1a-8023-419b-a630-71f57e2b08c4",{"tags":34,"relatedLang":44,"relatedPosts":48},[35,37,39,40,42],{"name":18,"slug":36},"usdc",{"name":20,"slug":38},"gho",{"name":17,"slug":17},{"name":21,"slug":41},"glo-dollar",{"name":19,"slug":43},"usds",{"id":15,"slug":45,"title":46,"language":47},"stablecoins-what-are-they-for-en","Stablecoins: What Are They For?","en",[49,55,61,67,73,79],{"id":50,"slug":51,"title":52,"cover_image":53,"image_url":53,"created_at":54,"category":13},"24f3ab93-82fa-4410-99da-909a0ea3b417","solana-apis-cut-weeks-off-integration-zh","7 款最省整合時間的 Solana API","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1781019180168-gy47.png","2026-06-09T15:32:30.454604+00:00",{"id":56,"slug":57,"title":58,"cover_image":59,"image_url":59,"created_at":60,"category":13},"e64dd8d0-aa54-479d-bb94-254a94fefa9e","solana-unchained-token-sale-nears-phase-1-close-en-zh","Solana Unchained 預售 Phase 1 進入倒數","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1781018282067-4d9s.png","2026-06-09T15:17:27.445517+00:00",{"id":62,"slug":63,"title":64,"cover_image":65,"image_url":65,"created_at":66,"category":13},"1a666fb4-9ee7-495d-b45b-199959460e42","june-2026-web3-signals-founders-use-now-zh","2026年6月 Web3 創業者該看什麼","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1781003893042-b5h0.png","2026-06-09T11:17:28.227544+00:00",{"id":68,"slug":69,"title":70,"cover_image":71,"image_url":71,"created_at":72,"category":13},"aa802f2e-4eae-4536-b1a0-c814320963c0","bitcoin-defi-will-grow-but-not-by-copying-ethereum-zh","比特幣 DeFi 會成長，但不是靠複製以太坊","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1780922875348-91e3.png","2026-06-08T12:47:26.064023+00:00",{"id":74,"slug":75,"title":76,"cover_image":77,"image_url":77,"created_at":78,"category":13},"9dca2375-a42a-4d13-9756-dc681328369d","ai-blockchain-projects-need-real-utility-not-token-theater-zh","AI 與區塊鏈要靠真實效用，不靠代幣表演","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1780918380855-iy7d.png","2026-06-08T11:32:16.63163+00:00",{"id":80,"slug":81,"title":82,"cover_image":83,"image_url":83,"created_at":84,"category":13},"e5f1b20c-c4c6-43c6-a8db-be965cdd566e","dmg-50mw-ai-loi-miners-power-assets-zh","DMG 的 50MW AI LOI 證明礦工最該賣的是電力資產，不是算力敘事","https:\u002F\u002Fxxdpdyhzhpamafnrdkyq.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Fcovers\u002Finline-1780917487712-0z92.png","2026-06-08T11:17:28.647982+00:00",[86,91,96,101,106,111,116,121,126,131],{"id":87,"slug":88,"title":89,"created_at":90},"e1b4b518-f86b-410c-8c82-8cfb787ff2ef","moonpay-open-wallet-standard-ai-payments-zh","MoonPay 推 OWS，瞄準 AI 付款","2026-03-28T03:08:33.379969+00:00",{"id":92,"slug":93,"title":94,"created_at":95},"e72bae29-ddbd-437b-aaa4-cd662605394b","next-gen-crypto-simulators-ai-web3-training-zh","新一代加密模擬器更聰明了","2026-04-01T09:36:33.917023+00:00",{"id":97,"slug":98,"title":99,"created_at":100},"b8e39b58-6b9d-4714-92d3-26df18a3e0f4","rtk-cuts-claude-code-token-spend-zh","RTK 讓 Claude Code 少燒 Token","2026-04-01T10:24:29.259497+00:00",{"id":102,"slug":103,"title":104,"created_at":105},"7ff10146-4ca0-4670-a02c-384dde04f610","trm-labs-ai-agents-crypto-investigations-zh","TRM Labs 將 AI agent 帶進加密調查","2026-04-01T10:33:30.166266+00:00",{"id":107,"slug":108,"title":109,"created_at":110},"00668dea-9f0e-4019-b861-03817d5a8877","how-web3-marketing-changed-in-2026-zh","2026 Web3 行銷怎麼變了","2026-04-02T01:36:34.973322+00:00",{"id":112,"slug":113,"title":114,"created_at":115},"e7992274-42ee-40bc-bb05-97250098c56c","ai-agentic-defi-web3-grants-march-2026-zh","AI、Agentic DeFi 與 Web3 補助案","2026-04-02T05:51:36.857954+00:00",{"id":117,"slug":118,"title":119,"created_at":120},"5cef810b-af3d-467a-8b41-627769eca895","why-crypto-is-fixated-on-ai-agents-zh","為何加密圈盯上 AI Agent","2026-04-02T05:54:28.919864+00:00",{"id":122,"slug":123,"title":124,"created_at":125},"d30e6203-d522-41a1-b529-fcf4499cd985","web3-explained-what-it-is-why-it-matters-zh","Web3 是什麼，為何重要","2026-04-02T06:15:32.580114+00:00",{"id":127,"slug":128,"title":129,"created_at":130},"f29e65ae-64df-463b-ba22-afd9dcbd0f8f","trust-wallet-agent-kit-ai-trade-25-chains-zh","Trust Wallet 讓 AI 幫你交易","2026-04-02T06:27:33.183404+00:00",{"id":132,"slug":133,"title":134,"created_at":135},"91022b4c-b53e-4c18-abfe-914a8eca6e28","blockchain-in-ai-real-use-cases-zh","區塊鏈加 AI，真實落地在哪裡","2026-04-02T06:30:44.026286+00:00"]