介紹Stablecoin賺取：一種錢包本地產品，使用戶可以將空閒的穩定蛋白放在工作中

在這次採訪中，Trust Wallet的首席執行官Eowyn Chen討論了塑造Stablecoin Earn的發展的宏觀趨勢

In the burgeoning landscape of decentralized finance (DeFi), stablecoins serve as crucial components, providing liquidity and facilitating new financial products. However, despite the potential, billions in stablecoins often remain idle, largely confined to being a medium of exchange and store of value, with few — and often complex — options available to generate yield.

在分散融資（DEFI）的新興景觀中，穩定幣是至關重要的組成部分，提供流動性並促進新金融產品。但是，儘管有潛力，但數十億美元的穩定劑通常仍然閒置，在很大程度上僅限於交換和價值的媒介，幾乎沒有可用於產生收益的選項（通常很複雜）。

This inactivity presents a missed opportunity to activate liquidity further and support onchain projects, especially considering the rapid growth of stablecoins. In September 2023 alone, Chainalysis data revealed that stablecoin activity reached an all-time high, highlighting the increasing role of these assets in onchain transactions.

這種不活動為進一步激活流動性並支持OnChain項目提供了一個錯過的機會，尤其是考慮到Stablecoins的快速增長。僅在2023年9月，鏈分析的數據顯示，斯坦黴素的活性達到了歷史最高的高度，突出了這些資產在OnChain交易中的重要作用。

Moreover, while DeFi has matured, moving beyond yield farming hype into more structured, risk-aware strategies, there is still a gap in providing accessible and engaging yield-generating products to a broader user base.

此外，雖然Defi已經成熟，但超越了養殖養殖炒作，成為更具結構化的風險感知策略，但在為更廣泛的用戶群提供可訪問和引人入勝的產量生成產品方面仍然存在差距。

Against this backdrop, Trust Wallet, a non-custodial cryptocurrency wallet, is aiming to change the dynamic by offering a new feature called Stablecoin Earn. This wallet-native product enables users to put their idle stablecoins to use within the Trust Wallet app itself.

在這種背景下，非監測的加密貨幣錢包Trust Wallet的目標是通過提供稱為StableCoin Earn的新功能來改變動態。該錢包本地產品使用戶能夠將其空閒的穩定器放置在信任錢包應用程序本身中。

To delve deeper into the macro trends that shaped Stablecoin Earn’s development, the role of core partners like Kiln and Morpho, and the next steps in expanding access to this product, Cointelegraph interviewed Eowyn Chen, CEO of Trust Wallet.

為了深入研究塑造Stablecoin Eart的發展的宏觀趨勢，Kiln和Morpho等核心合作夥伴的作用以及擴大對該產品訪問權限的下一步措施，Cointelegraph採訪了Trust Wallet的首席執行官Eowyn Chen。

Coins supported: USDT, USDC, DAI and USDA

支持的硬幣：USDT，USDC，DAI和USDA

Available protocols: Kiln and Morpho

可用協議：窯和morpho

Supported chains: Commencing withoptimism and planning to expand further

支持的連鎖店：從挑戰開始併計劃進一步擴展

Highlighting the vast sums of stablecoins that could be put to better use, Chen explained that last September alone, Trust Wallet saw nearly 10 billion in USDT held by users onchain remaining largely untouched for six months, despite somewhat bullish market conditions.

Chen解釋說，強調可以更好地利用的大量穩定幣，僅在去年9月，Trust Wallet在用戶OnChain持有的USDT中，儘管有些看漲，但用戶持有用戶持有的USDT持有六個月。

For its "holder-ish" users who prefer to manage their own crypto, Trust Wallet’s goal is to help them activate those assets and liquidity to support onchain projects.

對於更喜歡管理自己的加密貨幣的“持有人”用戶，信任錢包的目標是幫助他們激活這些資產和流動性以支持OnChain項目。

According to Chen, users are seeking out transparent and secure ways to put those assets to use without giving up control, presenting an opportunity for Trust Wallet to bring a yield-generating experience into the wallet layer, where users already hold their assets and expect a seamless experience. He added that it’s a natural extension of self-custody.

根據陳的說法，用戶正在尋找透明且安全的方法來將這些資產用於使用而不放棄控制，這為信任錢包提供了機會，將產生產量的體驗帶入錢包層，用戶已經持有資產並期望獲得無縫的體驗。他補充說，這是自我顧客的自然延伸。

"We're starting with the user problem: onchain stablecoins are often idle, not because people don't want to use them, but because the steps to find and access yield are fragmented, complex and sometimes risky," explained Chen. "So we built Stablecoin Earn to be native to the wallet experience, fully automated and safe, and transparent under the hood."

陳解釋說：“我們從用戶問題開始：OnChain Stablecoins通常是閒置的，不是因為人們不想使用它們，而是因為查找和訪問收益的步驟是分散的，複雜的，有時是風險的。” “因此，我們建立了STABLECOIN的賺錢，成為錢包經驗，完全自動化，安全且透明。”

He further noted that users can access curated protocols, like Morpho and Aave, with just a few steps and retain full visibility into where their funds are deployed. The team prioritized simplicity and trust without compromising user control.

他進一步指出，用戶可以訪問Morpho和Aave等精心策劃的協議，並只需幾步，並保留了對其資金部署的位置的全面可見性。團隊優先考慮簡單性和信任，而不會損害用戶控制。

"Introducing Stablecoin Earn on Trust Wallet. 💸Holding $USDT, $USDC, $DAI, or $USDA? Start earning effortlessly at competitive rates.Update your app → “Earn” tab to get started: https://t.co/5gKImpOSszCheck out the thread for more details 🧵: pic.twitter.com/MUiNfHHfk

“介紹stablecoin在信任錢包上賺錢。💸持有$ USDT，$ usdc，$ dai或$ usda？以有競爭力的費率開始毫不費力地開始賺錢。任意應用程序→“賺取”選項卡開始：https：////t.co/5gkimposszcheck for the the the the the the the Three the More the Thread tore Mores詳細信息：

Delighted to announce the launch of Stablecoin Earn on Trust Wallet! We're making it easier than ever to put your idle stablecoins to work and earn onchain yield, directly within the wallet you know and trust.

很高興宣佈在信任錢包上啟動Stablecoin賺錢！我們使您的閒置穩定幣比以往任何時候都更容易，直接在您所知道和信任的錢包內賺取OnChain收益率。

This is a natural extension of self-custody, offering more ways to activate liquidity and support the ecosystem. We're kicking things off with two leading protocols: Kiln for staking-based strategies and Morpho for optimized lending, providing a blend of innovation and reliability.

這是自我觀念的自然擴展，提供了更多激活流動性和支持生態系統的方法。我們正在使用兩個領先的協議（用於基於積分的策略的窯爐）和用於優化貸款的Morpho的窯爐開始，從而提供了創新和可靠性。

Over the last year, we've seen an incredible evolution in both stablecoins and DeFi. Yet, despite this progress, billions in stablecoins remain largely inactive.

在過去的一年中，我們看到了Stablecoins和Defi的不可思議的演變。然而，儘管取得了這種進展，但數十億個穩定的人仍然在很大程度上不活躍。

According to Chainalysis, September 2023 saw all-time highs in stablecoin activity, highlighting the role these assets play in onchain transactions. But despite this liquidity and activity, we're still seeing a significant portion of stablecoins held in cold wallets or exchanges, largely untouched.

根據Chainalysis，2023年9月的Stablecoin活動中有歷史最高點，強調了這些資產在OnChain交易中的作用。但是，儘管有這種流動性和活動，但我們仍然看到在冷錢包或交易所中舉行的大部分穩定幣，在很大程度上沒有受到影響。

At the same time, DeFi is maturing, moving beyond yield farming hype into more structured, risk-aware strategies. We're seeing the emergence of specialized protocols offering unique value propositions—in lending, liquidity management, and advanced derivatives.

同時，Defi正在成熟，超越產量耕種炒作成為更具結構化的風險感知策略。我們看到的專業協議的出現提供了獨特的價值主張 - 在貸款，流動性管理和高級衍生產品中。

However, despite these developments, we're not yet seeing optimal participation from the broader user base. Many users are aware of DeFi but haven't yet taken the steps to engage with it personally. They might know about protocols or hear about high APY opportunities, but they face several hurdles:

但是，儘管有這些發展，但我們尚未看到更廣泛的用戶群的最佳參與。許多用戶知道DEFI，但尚未採取步驟親自與之互動。他們可能了解協議或聽到有關高度APY機會的消息，但他們面臨著幾個障礙：

* Finding and comparing protocols can be time-consuming, and there's not always a clear best option for every user's needs and risk appetite.

*查找和比較協議可能很耗時，並且對於每個用戶的需求和風險胃口，並不總是有明確的最佳選擇。

* Access

* 使用權