Polkadot，Defi和Stablecoins：Hollar的大膽舉動和財務未來

Hydration推出了霍拉爾（Hollar），這是一個由點支持的Stablecoin，標誌著Polkadot上Defi的新時代。在Stablecoin競賽中發現這種創新如何與PayPal和等離子體相抵觸。

The intersection of Polkadot, DeFi, and stablecoins is heating up! With Hydration's launch of HOLLAR, a decentralized stablecoin backed by DOT, ETH, and BTC, things are about to get interesting. This isn't just another stablecoin; it's a statement.

Polkadot，Defi和Stablecoins的交集正在加熱！隨著Hydration的發射Hollar，這是由DOT，ETH和BTC支持的分散的Stablecoin，事情將變得有趣。這不僅僅是另一個穩定的人。這是一個陳述。

HOLLAR: A New Contender in the Stablecoin Arena

Hollar：Stablecoin競技場的新競爭者

Hydration's HOLLAR, launched on September 22, 2025, is designed to provide stability and user protection with its HOLLAR Stability Module (HSM). This module offers direct price support and real-time interventions, setting it apart from centralized and algorithmic stablecoins. Think of it as a safety net, ensuring that HOLLAR maintains its peg even during volatile times.

水合的Hollar於2025年9月22日推出，旨在通過其Hollar穩定模塊（HSM）提供穩定性和用戶保護。該模塊提供了直接的價格支持和實時干預措施，將其與集中式和算法的穩定性分開。將其視為安全網，以確保即使在動蕩的時期，Hollar仍保持其釘子。

Dr. Gavin Wood, founder of Polkadot, has endorsed HOLLAR's decentralized approach, highlighting his preference for DOT-backed stablecoins over centralized options like USDC and USDT. That's a pretty big endorsement, and it signals confidence in the Polkadot ecosystem.

Polkadot的創始人加文·伍德（Gavin Wood）博士認可了霍拉爾（Hollar）的分散方法，強調了他偏愛點綴支持的stablecoins而不是USDC和USDT等集中選項。這是一個很大的認可，它表示對Polkadot生態系統的信心。

Key Features of HOLLAR

霍拉爾的主要特徵

• Over-Collateralization: Backed by major tokens like DOT, ETH, and BTC, providing a safety cushion.
• Automated Risk Management: The HSM module offers real-time price support and interventions.
• Limited Supply: Capped at 2 million tokens to ensure controlled growth and ecosystem security.
• Liquidity Pools: Dedicated pools to foster active price discovery and capital efficiency.

The Stablecoin Race: HOLLAR vs. PayPal vs. Plasma

Stablecoin競賽：Hollar vs. Paypal vs.等離子體

HOLLAR isn't the only player making moves. PayPal and Bitfinex-backed Plasma are also launching new initiatives to capture a piece of the $280 billion stablecoin market. Plasma is targeting consumers with Plasma One, a neobank designed for stablecoin users. Meanwhile, PayPal is expanding its payments footprint with its stablecoin, PYUSD.

霍拉爾並不是唯一的球員。 PayPal和Bitfinex支持的等離子體也正在啟動新計劃，以捕捉2800億美元的Stablecoin市場。等離子體針對消費者的血漿One，這是一個為Stablecoin用戶設計的Neobank。同時，PayPal正在使用其Stablecoin Pyusd擴大其付款足跡。

Hydration's Founder, Jakub Gregus, argues that DeFi needs better solutions than “half-baked experiments or centralized compromises.” HOLLAR aims to be that solution, serving as both a stable asset and a gateway into Hydration’s broader lending and trading ecosystem. This is not just a stablecoin, but an entry point into the Polkadot DeFi universe.

Hydration的創始人Jakub Gregus認為，與“半烘烤的實驗或集中式妥協”相比，DEFI需要更好的解決方案。 Hollar的目標是成為該解決方案，既是穩定的資產，又是對水合更廣泛的貸款和交易生態系統的門戶。這不僅是穩定的，而且是Polkadot Defi宇宙的入口點。

The Regulatory Landscape

監管景觀

All of these developments come as US regulators are building a regulatory framework for the stablecoin sector. The GENIUS Act tasks the Treasury Department with developing rules to support payment innovation while addressing risks. As the regulatory landscape evolves, the winners in the stablecoin race will be those who can adapt most quickly.

所有這些事態發展都是因為美國監管機構正在為Stablecoin部門建立監管框架。 《天才法案》將財政部任命為製定規則，以支持付款創新，同時解決風險。隨著監管景觀的發展，Stablecoin競賽中的獲勝者將是那些可以很快適應的人。

My Take: Why DOT-Backed Stablecoins Matter

我的看法：為什麼要支持的穩定蛋白很重要

I'm particularly excited about DOT-backed stablecoins like HOLLAR because they represent a step towards true decentralization in the DeFi space. By leveraging the Polkadot ecosystem, HOLLAR can offer unique advantages in terms of security, transparency, and interoperability. Plus, with Gavin Wood's endorsement, it's clear that this is a project with serious potential.

我對像Hollar這樣的點綴的Stablecoins感到特別興奮，因為它們代表了在Defi空間中邁出真正的權力下放的一步。通過利用Polkadot生態系統，Hollar可以在安全性，透明度和互操作性方面具有獨特的優勢。另外，有了加文·伍德（Gavin Wood）的認可，很明顯，這是一個潛力巨大的項目。

The rise of stablecoins is only going to accelerate as the global regulatory landscape becomes more clear. According to Bloomberg Intelligence projections, 17% of all payments could flow through stablecoins by 2030. The key is to build stablecoins which allow for inclusive financial access that will drive adoption and make the world a better place.

隨著全球監管格局變得更加清楚，穩定蛋白的興起只會加速。根據彭博情報預測，到2030年，所有付款中有17％可以通過Stablecoins流動。關鍵是建造穩定的穩定貨幣，這允許包容性的財務訪問，這將推動採用並使世界變得更美好。

Looking Ahead

展望未來

The future of DeFi is looking brighter than ever, with innovations like HOLLAR paving the way for more decentralized and user-friendly financial solutions. So, buckle up, folks! It's going to be a wild ride as Polkadot, DeFi, and stablecoins continue to converge. Who knows? Maybe one day we'll all be paying for our morning coffee with DOT-backed stablecoins. Stranger things have happened, right?

Defi的未來看起來比以往任何時候都更加光明，諸如Hollar之類的創新為更加分散和用戶友好的金融解決方案鋪平了道路。所以，搭扣，伙計們！隨著Polkadot，Defi和Stablecoins繼續匯聚，這將是一次瘋狂的旅程。誰知道？也許有一天，我們都會用點支持的stabablecoins為早上的咖啡付費。陌生人的事情發生了，對嗎？