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[虚拟币交流]
RWA收益與鏈上Staking穩定幣的共同點：蠶食傳統穩定幣(转)
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當然，DAI侵吞Tether/Circle份額的道路可能並不會那樣順利，因為DAI本身也有一些短板（例如RWA的安全性問題）、規模尚處劣勢。但不要忘了，DAI並不是唯一一個試圖侵占USDT/USDC的玩家，除了DAI以外，還有crvUSD、GHO、eUSD、Frax、就連Huobi和Bybit都分別推出了自己的RWA資產。 這裡會出現一個穩定幣派系分歧：底層收益來自哪裡？ 一派是Huobi/Bybit的做法，底層收益完全來自於RWA的收益，需要做的只是把Tether/Circle侵吞掉的那部分收益還給用戶。另一派是crvUSD、eUSD這樣的純鏈上質押穩定幣，底層收益來自於抵押物在其他協議的Staking收益（未來也許會拓展到更多場景，例如債務票據充當抵押物。）而DAI這種模式其實混合了兩種收益來源。 但這些類型都指向了同一個終點——降低機會成本，或者說補償用戶的機會成本（比如持有USDC其實是用戶讓渡機會成本給Circle去投資美債等傳統標的）。 
如果你選擇用wstETH鑄造DAI，你仍可以獲得Staking的收益，你並未犧牲任何本屬於你的APY；如果你選擇用ETH鑄造eUSD，Lybra會收取少量費用，但大部分Staking APY仍屬於你自己。但當你使用USD購買USDT/USDC的時候，4%-5%的RWA收益率被Tether/Circle拿走了。 Tether僅在2023年Q1淨利潤就達到了14.8億美元，如果DAI能夠完全取代Tether/Circle，這將給加密貨幣市場帶來每年50-100億美元的真實收入。我們常常詬病加密貨幣缺乏真實收益場景，但卻忽略了最大的一個場景，這個場景也是最簡單的——只需把本屬於貨幣持有者的收益/機會成本還給他們。（比如，Spark可以提供高達8%的DAI存款利率，將美元持有者因通膨而付出的機會成本還給用戶） 
在我看來，擁抱RWA還是和RWA脫鉤、堅持去中心化還是迎合監管，這些不同的選擇可能會共存，但蠶食中心化穩定幣市場份額的路線是明確的。只要Spark或Lybra的APY優勢仍然存在，USDC/USDT的市場份額就會被一直蠶食。對於這一點，RWA抵押品模式的算穩和鏈上原生抵押品算穩是一致的。 ) S! O& ~3 v: y" b+ y5 k
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