介绍Stablecoin赚取：一种钱包本地产品，使用户可以将空闲的稳定蛋白放在工作中

在这次采访中，Trust Wallet的首席执行官Eowyn Chen讨论了塑造Stablecoin Earn的发展的宏观趋势

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.

在分散融资（DEFI）的新兴景观中，稳定币是至关重要的组成部分，提供流动性并促进新金融产品。但是，尽管有潜力，但数十亿美元的稳定剂通常仍然闲置，这在很大程度上仅限于一种交换和价值储存的媒介，几乎没有可供产生收益的选项（通常很复杂）。

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.

这种不活动为进一步激活流动性并支持OnChain项目提供了一个错过的机会，尤其是考虑到Stablecoins的快速增长。仅在2023年9月，链分析的数据显示，斯坦霉素的活性达到了历史最高的高度，突出了这些资产在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，虽然Defi已经成熟，但超越了养殖养殖炒作，成为更具结构化的风险感知策略，但在为更广泛的用户群提供可访问和引人入胜的产量生成产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.

在这种背景下，一种非监测的加密货币钱包Trust Wallet的目的是通过提供称为StableCoin Earn的新功能来改变动态。该钱包本地产品使用户能够将其空闲的稳定器放置在信任钱包应用程序本身中。

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.

为了深入研究塑造Stablecoin Eart的发展的宏观趋势，Kiln和Morpho等核心合作伙伴的作用以及扩大对该产品访问权限的下一步措施，Cointelegraph采访了Trust Wallet的首席执行官Eowyn Chen。

Coins supported: USDT, USDC, DAI and USDA

支持的硬币：USDT，USDC，DAI和USDA

Available protocols: Kiln and Morpho

可用协议：窑和morpho

Supported chains: Commencing withoptimism and planning to expand further

支持的连锁店：从挑战开始并计划进一步扩展

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解释说，强调可以更好地利用的大量稳定币，仅在去年9月，Trust Wallet在用户OnChain持有的USDT中，尽管有些看涨，但用户持有用户持有的USDT持有六个月。

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.

对于更喜欢管理自己的加密货币的“持有人”用户，信任钱包的目标是帮助他们激活这些资产和流动性以支持OnChain项目。

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.

根据陈的说法，用户正在寻找透明且安全的方法来将这些资产用于使用而不放弃控制，这为信任钱包提供了机会，将产生产量的体验带入钱包层，用户已经持有资产并期望获得无缝的体验。他补充说，这是自我顾客的自然延伸。

"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."

陈解释说：“我们从用户问题开始：OnChain Stablecoins通常是闲置的，不是因为人们不想使用它们，而是因为查找和访问收益的步骤是分散的，复杂的，有时是风险的。” “因此，我们建立了STABLECOIN的赚钱，成为钱包经验，完全自动化，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.

他进一步指出，用户可以访问Morpho和Aave等精心策划的协议，并只需几步，并保留了对其资金部署的位置的全面可见性。团队优先考虑简单性和信任，而不会损害用户控制。

"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

“介绍stablecoin在信任钱包上赚钱。💸持有$ USDT，$ usdc，$ dai或$ usda？以有竞争力的费率开始毫不费力地开始赚钱。任意应用程序→“赚取”选项卡开始：https：////t.co/5gkimposszcheck for the the the the the the the Three the More the Thread tore Mores详细信息：

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.

很高兴宣布在信任钱包上启动Stablecoin赚钱！我们使您的闲置稳定币比以往任何时候都更容易，直接在您所知道和信任的钱包内赚取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.

这是自我观念的自然扩展，提供了更多激活流动性和支持生态系统的方法。我们正在使用两个领先的协议（用于基于积分的策略的窑炉）和用于优化贷款的Morpho的窑炉开始，从而提供了创新和可靠性。

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.

在过去的一年中，我们看到了Stablecoins和Defi的不可思议的演变。然而，尽管取得了这种进展，但数十亿个稳定的人仍然在很大程度上不活跃。

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.

根据Chainalysis，2023年9月的Stablecoin活动中有历史最高点，强调了这些资产在OnChain交易中的作用。但是，尽管有这种流动性和活动，但我们仍然看到在冷钱包或交易所中举行的大部分稳定币，在很大程度上没有受到影响。

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.

同时，Defi正在成熟，超越产量耕种炒作成为更具结构化的风险感知策略。我们看到的专业协议的出现提供了独特的价值主张 - 在贷款，流动性管理和高级衍生产品中。

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，尽管有这些发展，但我们尚未看到更广泛的用户群的最佳参与。许多用户知道DEFI，但尚未采取步骤亲自与之互动。他们可能了解协议或听到有关高度APY机会的消息，但他们面临着几个障碍：

* 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.

*查找和比较协议可能很耗时，并且对于每个用户的需求和风险胃口，并不总是有明确的最佳选择。

* Access

* 使用权