Polkadot，Defi和Stablecoins：Hollar的大胆举动和财务未来

Hydration推出了霍拉尔（Hollar），这是一个由点支持的Stablecoin，标志着Polkadot上Defi的新时代。在Stablecoin竞赛中发现这种创新如何与PayPal和等离子体相抵触。

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的交集正在加热！随着Hydration的发射Hollar，这是由DOT，ETH和BTC支持的分散的Stablecoin，事情将变得有趣。这不仅仅是另一个稳定的人。这是一个陈述。

HOLLAR: A New Contender in the Stablecoin Arena

Hollar：Stablecoin竞技场的新竞争者

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于2025年9月22日推出，旨在通过其Hollar稳定模块（HSM）提供稳定性和用户保护。该模块提供了直接的价格支持和实时干预措施，将其与集中式和算法的稳定性分开。将其视为安全网，以确保即使在动荡的时期，Hollar仍保持其钉子。

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的创始人加文·伍德（Gavin Wood）博士认可了霍拉尔（Hollar）的分散方法，强调了他偏爱点缀支持的stablecoins而不是USDC和USDT等集中选项。这是一个很大的认可，它表示对Polkadot生态系统的信心。

Key Features of HOLLAR

霍拉尔的主要特征

• 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竞赛：Hollar vs. Paypal vs.等离子体

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.

霍拉尔并不是唯一的球员。 PayPal和Bitfinex支持的等离子体也正在启动新计划，以捕捉2800亿美元的Stablecoin市场。等离子体针对消费者的血浆One，这是一个为Stablecoin用户设计的Neobank。同时，PayPal正在使用其Stablecoin Pyusd扩大其付款足迹。

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的创始人Jakub Gregus认为，与“半烘烤的实验或集中式妥协”相比，DEFI需要更好的解决方案。 Hollar的目标是成为该解决方案，既是稳定的资产，又是对水合更广泛的贷款和交易生态系统的门户。这不仅是稳定的，而且是Polkadot Defi宇宙的入口点。

The Regulatory Landscape

监管景观

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.

所有这些事态发展都是因为美国监管机构正在为Stablecoin部门建立监管框架。 《天才法案》将财政部任命为制定规则，以支持付款创新，同时解决风险。随着监管景观的发展，Stablecoin竞赛中的获胜者将是那些可以很快适应的人。

My Take: Why DOT-Backed Stablecoins Matter

我的看法：为什么要支持的稳定蛋白很重要

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.

我对像Hollar这样的点缀的Stablecoins感到特别兴奋，因为它们代表了在Defi空间中迈出真正的权力下放的一步。通过利用Polkadot生态系统，Hollar可以在安全性，透明度和互操作性方面具有独特的优势。另外，有了加文·伍德（Gavin Wood）的认可，很明显，这是一个潜力巨大的项目。

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.

随着全球监管格局变得更加清楚，稳定蛋白的兴起只会加速。根据彭博情报预测，到2030年，所有付款中有17％可以通过Stablecoins流动。关键是建造稳定的稳定货币，这允许包容性的财务访问，这将推动采用并使世界变得更美好。

Looking Ahead

展望未来

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的未来看起来比以往任何时候都更加光明，诸如Hollar之类的创新为更加分散和用户友好的金融解决方案铺平了道路。所以，搭扣，伙计们！随着Polkadot，Defi和Stablecoins继续汇聚，这将是一次疯狂的旅程。谁知道？也许有一天，我们都会用点支持的stabablecoins为早上的咖啡付费。陌生人的事情发生了，对吗？