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Eine Einführung in Stablecoins – Forbes Advisor Deutschland
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7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>Kryptowährungen</span> </div> <ul class="sub-menu wp-menu-scroll-enabled"> <li class="main-category-item"> <a href="https://www.forbes.com/advisor/de/geldanlage/krypto/" class="cursor-pointer xl:hover:underline" > <div> Kryptowährungen </div> </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Krypto Lexikon </div> <div class="accordian-menu answer " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/">Was ist eine Kryptowährung?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrungen-kaufen/">Kryptowährungen kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ki-coins/">KI Coins (AI Coins)</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-etns-vergleich/">Vergleich Krypto-ETFs</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-etns/">Bitcoin-ETFs im Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/etfs/bester-blockchain-etf/">Blockchain-ETFs im Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrung-steuer/">Steuer auf Kryptowährungen 2023: Was Du wissen musst</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-prognose-2023/">Krypto Prognose für 2023: Steigt der Bitcoin-Kurs wieder?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrungs-glossar/">Kryptowährungs-Glossar der Begriffe und Akronyme</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-hot-wallet/">Was ist ein Hot Wallet?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-cold-wallet/">Was sind Cold Wallets?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-hardware-wallets/">Die besten Hardware-Wallets 2023</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-iota/">Was ist Iota (MIOTA) ? Wie funktioniert es?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/top-10-kryptowaehrungen/">Die Top-10-Kryptowährungen im September 2023</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/neue-kryptos-2023/">Neue Kryptowährungen 2023: Was Du wissen solltest</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-altcoins/">Die besten Altcoins 2022</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ausverkauf-am-kryptomarkt/">Update: Ausverkauf am Kryptomarkt: Lohnt jetzt ein Einstieg?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-blockchain/">Was ist Blockchain?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-vs-etherium/">Ethereum vs Bitcoin: Ein Vergleich der beiden Coins</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/fussball-und-kryptowaehrung/">Was hat es mit Fußball und Krypto auf sich?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-defi-dezentralisierte-finanzen/">Was ist DeFi? Dezentralisierte Finanzen verstehen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-mining-software/">Beste Bitcoin-Mining-Software 2022</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/kryptowaehrungen/stablecoins/">Was sind Stablecoins?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Krypto Handel </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-boersen-vergleich/">Die beste Krypto-Börse in Deutschland: Krypto-Börsen-Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-krypto-apps-vergleich/">Beste Krypto-Apps</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-online-wallets/">Die besten Online Wallets für Kryptowährungen</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Erfahrungsberichte </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/boerse-stuttgart-digital-exchange-bsdex-erfahrung/">BSDEX Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bison-erfahrung/">Bison Erfahrungen: Der Krypto-Broker im Test</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/binance-erfahrung/">Binance Erfahrung 2022: Vor-und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/coinbase-erfahrung/">Coinbase Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/crypto-com-erfahrungen/">Crypto.com Erfahrung 2022 – Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kraken-erfahrung/">Kraken Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitpanda-erfahrung/">Bitpanda Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitvavo-erfahrungen/">Bitvavo Erfahrungen 2022 – Vorteile und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kucoin-erfahrung/">Kucoin Erfahrungen 2023 - Vorteile und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/etoro-vs-coinbase/">Etoro versus Coinbase: Was ist besser?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Bitcoin (BTC) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-bitcoin/">Was ist Bitcoin (BTC) und wie funktioniert’s?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen/">Bitcoin (BTC) kaufen: So geht’s einfach in 4 Schritten</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-mit-kreditkarte/">Bitcoin mit Kreditkarte kaufen: So geht es!</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-mit-paypal/">Bitcoin (BTC) kaufen mit PayPal – so gehts</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-eine-bitcoin-wallet/">Was ist ein Bitcoin-Wallet?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-bei-etoro/">Bitcoin bei Etoro kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kurs-heute/">Bitcoin-Kurs heute</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Ethereum (ETH) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ethereum-und-wie-funktioniert-es/">Was ist Ethereum und wie funktioniert es?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ethereum-kaufen/">Ethereum (ETH) kaufen: So geht’s!</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ethereum-2/">Was ist Ethereum 2.0? Die Umstellung verstehen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ethereum-merge/">Was ist der „Ethereum Merge“?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Tether (USDT) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/tether-usdt-kaufen/">Tether (USDT) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-tether-usdt/">Was ist Tether? Wie funktioniert es?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Ripple (XRP) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ripple-und-xrp/">Was ist Ripple(XRP)?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ripple-xrp-kaufen/">Wie kauft man XRP (Ripple)?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Dogecoin (DOGE) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-dogecoin/">Was ist Dogecoin (DOGE) und wie funktioniert’s?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/dogecoin-kaufen/">Dogecoin (DOGE) kaufen: So geht es</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Krypto Kaufratgeber </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/apecoin-kaufen/">Apecoin (APE) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/avalanche-kaufen/">Avalanche (AVAX) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-cash-kaufen/">Bitcoin Cash (BCH) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/binance-coin-kaufen/">Binance Coin (BNB) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/cardano-kaufen/">Cardano (ADA) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/chainlink-kaufen/">Chainlink (LINK) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/cosmos-kaufen/">Cosmos (ATOM) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/cronos-cro-kaufen/">Cronos (CRO) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/filecoin-kaufen/">Filecoin (FIL) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/litecoin-ltc-kaufen/">Litecoin (LTC) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/monero-kaufen-so-geht-es/">Monero (XMR) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/polkadot-dot-kaufen/">Polkadot (DOT) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/polygon-matic-kaufen/">Polygon (MATIC) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/safemoon-kaufen/">Safemoon (SFM) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/solana-sol-kaufen/">Solana (SOL) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/shiba-inu-shib-kaufen/">Shiba Inu (SHIB) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/stellar-kaufen/">Stellar Lumens (XLM) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/terra-luna-kaufen/">Terra (Luna) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/tron-trx-kaufen/">Tron (TRX) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/uniswap-uni-kaufen/">Uniswap (UNI) kaufen</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > NFTs </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/non-fungible-tokens/">NFT Bedeutung und wie man NFT kaufen kann</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-nft-marktplaetze/">Die besten NFT-Marktplätze 2023</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Metaverse </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/metaverse-grundstueck-kaufen/">Wie man ein Grundstück und virtuelles Land im 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Wenn Du auf einen dieser Affiliate-Links klickst, gelangst Du zum empfohlenen Angebot oder Unternehmen und wir bekommen in der Regel eine Vergütung. Einen solchen Link erkennst Du im Fließtext an einem Sternchen (*) dahinter.<br><p>Die Vergütung für Affiliate-Links hat keinen Einfluss auf die Empfehlungen, die unsere Redakteure geben. Nur Unternehmen, die unser Redaktionsteam empfiehlt, können einen Affiliate-Link mit Nennung als redaktionelle Empfehlung bei uns erhalten. Nicht empfohlene Anbieter können sich keine redaktionelle Empfehlung „erkaufen“.</p></p> <p>Wir geben alles, um genaue und aktuelle Informationen bereitzustellen, von denen wir glauben, dass sie für Dich interessant sind. Trotzdem kann Forbes Advisor keine Garantie für Richtigkeit, Vollständigkeit und Aktualität dieser Website geben.</p> <p><strong>3. Vergleichsrechner</strong></p> <p>In manchen unserer Artikel sind Vergleichsrechner von Partnerunternehmen eingebunden. Viele Angebote in den Vergleichsrechnern sind mit „Werbe-Links“ (Affiliate-Links) versehen. Wenn Du auf ein solches Angebot klickst und es zum einem Vertragsabschluss kommt, erhalten wir meist eine kleine Provision. Damit unterstützt Du die unabhängige Arbeit der Redaktion. Wir haben die Rechner in den allermeisten Fällen, sofern es technisch möglich war, verbraucherfreundlich nach unseren redaktionellen Kriterien voreingestellt. </p> </div> </div> </div> </div> <div class="mobile-advertiser-disclosure-wrapper flex justify-between items-baseline"> <div class="md:hidden"> <div class="advertiser-disclosure-wrapper" data-mktp-container='{"componentTitle":"Advertiser Disclosure","componentType":"Advertiser Disclosure"}'> <div class="advertiser-disclosure font-work-sans font-normal text-xs relative z-10 cursor-pointer hover:underline advertiser-disclosure-label" v-tooltip="{ target: '#disclosure-block', maxWidth: 500, containerSelector: '.tippy-popover-container-bg-white' }" role="tooltip" aria-describedby="tooltip" > Wie wir Geld verdienen </div> <div id="disclosure-block" class="" style="display: none;"> <p>Die Redaktion von Forbes Advisor Deutschland arbeitet unabhängig und objektiv. Um unsere Recherchen zu finanzieren und unseren Lesern die Artikel kostenlos zur Verfügung stellen zu können, nutzen wir hauptsächlich zwei Einnahmequellen:</p> <p><strong>1. Anzeigen</strong></p> <p>Wir stellen Werbetreibenden Anzeigenplätze zur Verfügung, wo sie ihre Angebote präsentieren können. Die Vergütung, die wir dafür erhalten, beeinflusst, wie und wo die Anzeigen auf der Website erscheinen. Anzeigen sind optisch vom redaktionellen Inhalt abgegrenzt. Wie die Anzeigen aussehen und was darin steht, bestimmen in der Regel die Werbetreibenden. Nicht alle Unternehmen werben auf diese Weise für ihre Produkte.</p> <p><strong>2. Affiliate-Links zu redaktionellen Empfehlungen</strong></p> <p>Als Ergebnis aufwendiger Recherchen und Analysen empfiehlt unsere Redaktion in einigen Artikeln konkrete Produkte oder Anbieter. Wollen die empfohlenen Unternehmen im Artikel nicht nur genannt, sondern auch verlinkt werden, können sie sogenannte Affiliate-Links mit uns vereinbaren. Wenn Du auf einen dieser Affiliate-Links klickst, gelangst Du zum empfohlenen Angebot oder Unternehmen und wir bekommen in der Regel eine Vergütung. Einen solchen Link erkennst Du im Fließtext an einem Sternchen (*) dahinter.<br><p>Die Vergütung für Affiliate-Links hat keinen Einfluss auf die Empfehlungen, die unsere Redakteure geben. Nur Unternehmen, die unser Redaktionsteam empfiehlt, können einen Affiliate-Link mit Nennung als redaktionelle Empfehlung bei uns erhalten. Nicht empfohlene Anbieter können sich keine redaktionelle Empfehlung „erkaufen“.</p></p> <p>Wir geben alles, um genaue und aktuelle Informationen bereitzustellen, von denen wir glauben, dass sie für Dich interessant sind. Trotzdem kann Forbes Advisor keine Garantie für Richtigkeit, Vollständigkeit und Aktualität dieser Website geben.</p> <p><strong>3. Vergleichsrechner</strong></p> <p>In manchen unserer Artikel sind Vergleichsrechner von Partnerunternehmen eingebunden. Viele Angebote in den Vergleichsrechnern sind mit „Werbe-Links“ (Affiliate-Links) versehen. Wenn Du auf ein solches Angebot klickst und es zum einem Vertragsabschluss kommt, erhalten wir meist eine kleine Provision. Damit unterstützt Du die unabhängige Arbeit der Redaktion. Wir haben die Rechner in den allermeisten Fällen, sofern es technisch möglich war, verbraucherfreundlich nach unseren redaktionellen Kriterien voreingestellt. </p> </div> </div> </div> </div> <h1 class="farticle-title text-22px md:text-36px leading-33px md:leading-44px font-merriweather font-bold md:my-4 text-gray-500 break-words"> Eine Einführung in Stablecoins </h1> <div class="multiple-authors-with-badge " data-mktp-container='{"componentTitle":"Article Author 2021","componentType":"Article Author 2021"}'> <div class="author-block-v2 width-half"> <div class="author-block-v2__img-wrap "> <div class="inner-img-wrap primary"> <a class="h-full" href="https://www.forbes.com/advisor/de/author/dan-ashmore/" title="Dan Ashmore" target="_blank" > <span data-bg-src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2022/11/Dan.png" class="avatar inline-block bg-cover bg-no-repeat bg-center h-full w-full test lazy-load-bg" title="Dan Ashmore"></span> </a> </div> </div> <div class="author-block-v2__content-wrap"> <div class="author-name-wrap"> <a href="https://www.forbes.com/advisor/de/author/dan-ashmore/" target="_blank" class="author-name" > Dan Ashmore </a> </div> <div class="author-designation-wrap"> <span class="author-role">Freier Mitarbeiter</span> </div> <p class="author-block-v2__artice-date"> Aktualisiert: 05. Oktober 2023, 13:13 Uhr </p> </div> </div> <div class="flex relative w-1/2 author-with-badge"> <!-- author image wrap block starts--> <div class="author-block-v2__img-wrap hidden md:flex"> <div class="inner-img-wrap primary"> <a href="https://www.forbes.com/advisor/de/author/michael-adams/" title="Michael Adams" class=" h-full" target="_blank" > <span data-bg-src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2022/11/michael-adams-headshot.jpg" class="avatar inline-block bg-cover bg-no-repeat bg-center h-full w-full test lazy-load-bg" title="Michael Adams"></span> </a> </div> </div> <!-- author image wrap block ends--> <!-- author content wrap block starts--> <div class="author-block-v2__content-wrap pl-0 md:pl-12px font-bold md:font-normal"> <div class="md:mb-4px items-center author-name-wrap"> <div class="badge-wrapper hidden"> <svg width="24" height="24" viewBox="0 0 46 46" fill="none" xmlns="http://www.w3.org/2000/svg" class="badge-icon-svg"><path d="M23 43C34.0457 43 43 34.0457 43 23C43 11.9543 34.0457 3 23 3C11.9543 3 3 11.9543 3 23C3 34.0457 11.9543 43 23 43Z" fill="#4657A1" stroke="white" stroke-width="5.04155" stroke-linecap="square"></path> <path d="M20 20.0001H31.1857C32.532 20.0001 33.4513 21.3617 32.948 22.6104L30.4492 28.8104C30.1595 29.5293 29.4621 30.0001 28.6869 30.0001H20V20.0001Z" fill="white"></path> <path d="M23.0803 14.2401C23.201 13.7057 23.7322 13.3704 24.2666 13.4912C26.1371 13.9139 27.3108 15.7729 26.8881 17.6434L25.5593 23.5229L20.0004 19.9999C21.2219 19.5178 22.1259 18.463 22.4154 17.1822L23.0803 14.2401Z" fill="white"></path> <rect x="13" y="20.0001" width="6" height="10" rx="1.13333" fill="white"></rect></svg> <p class="badge-text">überprüft von</p> </div> <a href="https://www.forbes.com/advisor/de/author/michael-adams/" title="Michael Adams" target="_blank" class="author-name " >Michael Adams</a> </div> <div class="mb-11px flex items-center author-designation-wrap md:block "> <span class="author-role font-normal">Redakteur</span> <div class="flex badge-wrapper-mobile"> <svg width="24" height="24" viewBox="0 0 46 46" fill="none" xmlns="http://www.w3.org/2000/svg" class="badge-icon-svg"><path d="M23 43C34.0457 43 43 34.0457 43 23C43 11.9543 34.0457 3 23 3C11.9543 3 3 11.9543 3 23C3 34.0457 11.9543 43 23 43Z" fill="#4657A1" stroke="white" stroke-width="5.04155" stroke-linecap="square"></path> <path d="M20 20.0001H31.1857C32.532 20.0001 33.4513 21.3617 32.948 22.6104L30.4492 28.8104C30.1595 29.5293 29.4621 30.0001 28.6869 30.0001H20V20.0001Z" fill="white"></path> <path d="M23.0803 14.2401C23.201 13.7057 23.7322 13.3704 24.2666 13.4912C26.1371 13.9139 27.3108 15.7729 26.8881 17.6434L25.5593 23.5229L20.0004 19.9999C21.2219 19.5178 22.1259 18.463 22.4154 17.1822L23.0803 14.2401Z" fill="white"></path> <rect x="13" y="20.0001" width="6" height="10" rx="1.13333" fill="white"></rect></svg> <p class="badge-text">überprüft von</p> </div> </div> </div> <!-- author content wrap block ends--> </div> </div> </div> </div> </div> <div class="row right-rail-present"> <div class="w-full md:w-3/4 md:pr-30px main-content-wrapper relative " id="main-content__wrapper"> <div class="article__editors-note article__editors-note-top p-2 my-3 text-xs tracking-tight w-full" data-mktp-container='{"componentTitle":"Article Editor Top Note","componentType":"Article Editor Top Note"}'> Forbes Advisor erhält möglicherweise Geld von Werbepartnern, die auf dieser Seite verlinkt sind. Dies hat keinerlei Einfluss auf redaktionelle Inhalte. Die Redaktion arbeitet stets unabhängig. Mehr zu unseren redaktionellen Standards und unserem Geschäftsmodell findest Du <a href="https://www.forbes.com/advisor/de/ueber-uns/">hier</a>. </div> <div class="content-wrapper article__content wysiwyg-content my-3 link__tracking"> <div class="featured-img mb-3"> <figure class="w-full"> <div class="featured-img-container"> <img src="https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/de/wp-content/uploads/2023/08/04BC09E3-818C-4032-9F00-5EF26278D13D_1_201_a-scaled.jpeg" alt="Featured Image" class="w-full"/> </div> <figcaption class="capitalize"></figcaption> </figure> </div> <div class="article__content" id="article-content__marker"> <p>Es ist kein Geheimnis, dass Unbeständigkeit und Kryptowährungen Hand in Hand gehen. Aber es gibt eine Art von Kryptowährungen, die speziell dafür entwickelt wurde, einen stabilen Preis zu bieten: Stablecoins.</p> <p>Ein Stablecoin ist eine Kryptowährung, deren Wert an den Preis eines anderen Vermögenswerts gekoppelt ist, daher der Begriff „stabil“. Wenn er richtig funktioniert, sollte ein Stablecoin, der an den US-Dollar gekoppelt ist, immer mit einem Dollar bewertet werden.</p> <p>Die jüngsten Ereignisse haben uns gelehrt, dass nicht alle Stablecoins gleich geschaffen sind. 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in="SourceGraphic" in2="effect1_dropShadow_6706_4684" result="shape" /> </filter> </defs> </svg> </div> <div class="container mx-auto lg:flex lg:items-center justify-between cta-builder__wrap"> <div class="left mb-13px lg:mb-0 lg:mr-10"> <p class="sticky-cta-heading text-center lg:text-left text-333333 font-bold text-2xl leading-8 font-euclidcircularb-bold"> Investiere mit eToro </p> <p class="cta-sub-heading-text leading-6 text-333333 mt-1 font-georgia mb-0">Investieren Sie in globale und lokale Aktien </p> </div> <div class="right"> <a href="https://med.etoro.com/B12087_A116765_TClick_sInvesting-HubGermanyStickyCTA-DE.aspx " target="_blank" data-nofollow="true" data-title="Investiere mit eToro" data-description="Investieren Sie in globale und lokale Aktien " data-cta-text="Jetzt investieren" data-cta-variation="Sticky CTA with Blue Background" data-automatic-numbering="1" class="cta-builder__btn cta-builder-button" style="background-color:#4B9E8B" data-widget-type="CTA Builder" > Jetzt investieren </a> <p class="below-cta-text">51% der privaten CFD Konten verlieren Geld. (Anzeige)</p> </div> </div> </div> <h2 class="wp-block-heading"><strong>Was sind Stablecoins?</strong></h2> <p>Stablecoins sind eine Art von Kryptowährung, die darauf ausgelegt ist, einen stabilen Preis zu halten, der an den Wert eines Basiswerts wie dem US-Dollar gekoppelt ist. Sie sollen alle Vorteile von Kryptowährungen bieten und gleichzeitig versuchen, starke Kursschwankungen zu vermeiden.</p> <p>Die gesamte Marktkapitalisierung von Kryptowährungen kann täglich um Milliarden von Dollar steigen und fallen. Selbst die wichtigste Kryptowährung, <a href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen/">Bitcoin (BTC)</a>, unterliegt erheblichen Wertschwankungen. Im vergangenen Monat (Juli 2023) hat sich der Wert von BTC täglich um etwa 4 Prozent verändert.</p> <p>Fiat-Währungen wie der US-Dollar oder der Euro sind solchen Kursschwankungen nicht ausgesetzt. Man kann sich Stablecoins also auch als eine tokenisierte Version einer Fiat-Währung vorstellen. Theoretisch ist ein auf dem US-Dollar basierender Stablecoin ein Token, der auf einer <a href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-blockchain/">Blockchain</a> gespeichert ist und immer für einen Dollar gehandelt wird.</p> <h2 class="wp-block-heading"><strong>Arten von Stablecoins</strong></h2> <p>Stablecoins sind in der Regel an eine Währung oder einen Rohstoff wie Gold gekoppelt und nutzen verschiedene Mechanismen, um ihre Preisbindung aufrechtzuerhalten. Die beiden gängigsten Methoden sind, einen Pool an Aktiva als Sicherheiten zu halten oder einen Algorithmus zu verwenden, um das Angebot eines Coins zu kontrollieren.</p> <h3 class="wp-block-heading"><strong>Besicherte Stablecoins</strong></h3> <p>Besicherte Stablecoins unterhalten einen Pool von Sicherheiten, um den Wert der Coins zu stützen. Immer wenn der Besitzer eines Stablecoins seine Token auszahlen lassen möchte, wird ein gleichwertiger Betrag der Sicherheiten aus den Reserven entnommen.</p> <p>USD Coin (USDC) ist ein Paradebeispiel für einen besicherten Stablecoin. Die Reserven von USDC werden in sicheren Vermögenswerten gehalten, die ihren Wert behalten sollten, wie Bargeld und US-Schatzanweisungen.</p> <p>USDC ist ein Stablecoin-Ausreißer, was die Offenlegung genauer Daten über seine Vermögenswerte und Verbindlichkeiten angeht. Es gibt seit langem eine Kontroverse darüber, wie verlässlich die Sicherheiten bestimmter Stablecoins sind. Man fragt sich also, ob die Verbindlichkeiten des Stablecoins nicht höher sind als seine Reserven.</p> <p>Der bekannteste und älteste Stablecoin ist <a href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-tether-usdt/">Tether (USDT)</a>. Mit einer Marktkapitalisierung von 66,9 Milliarden US-Dollar ist USDT derzeit die drittgrößte Kryptowährung hinter Bitcoin und <a href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ethereum-und-wie-funktioniert-es/">Ethereum</a> (ETH). Allerdings wird er seit Jahren von Zweifeln an der Zuverlässigkeit seiner Reserven heimgesucht.</p> <p>Stablecoins und Kryptowährungen stehen jetzt unter verstärkter Beobachtung der Behörden.</p> <p>Im Oktober 2021 verurteilte die Commodity Futures Trading Commission (CFTC) Tether zu einer zivilrechtlichen Strafe in Höhe von 41 Millionen US-Dollar wegen „unwahrer und irreführender Aussagen“ und der Tatsache, dass Tether „Kunden und dem Markt gegenüber fälschlicherweise behauptet hat, dass Tether über ausreichende US-Dollar-Reserven verfügt, um jeden im Umlauf befindlichen USDT mit dem ‘Gegenwert der entsprechenden Fiat-Währung’ zu unterlegen.“</p> <p>Tether behauptet nach wie vor, über ausreichende Reserven zu verfügen, um die 66,9 Milliarden US-Dollar an Tether-Token im Umlauf zu decken. Außerdem ist das Unternehmen bisher noch keinem Rücknahmeantrag nachgekommen.</p> <p>„Unser Weg zu mehr Transparenz ist noch nicht zu Ende“, erklärte Paolo Ardoino, der Technikchef von Tether, im April und versprach, dem Markt weiterhin zu versichern, dass Tether zuverlässig ist.</p> <p>Stablecoins können auch durch andere Kryptowährungen besichert werden. Das größte Beispiel in dieser Kategorie ist der algorithmische Stablecoin DAI (DAI), der an den US-Dollar gekoppelt ist, aber durch Ethereum und andere Kryptowährungen besichert ist.</p> <p>Da die zugrundeliegenden Sicherheiten jedoch in Kryptowährung bestehen, ist er anfälliger für Schwankungen.</p> <p>Experten sagen, dass der DAI-Stablecoin über-besichert ist, was bedeutet, dass der Wert der Kryptowährungen, die als Reserven gehalten werden, größer sein könnte als die Anzahl der ausgegebenen DAI-Stablecoins.</p> <h3 class="wp-block-heading"><strong>Algorithmische Stablecoins</strong></h3> <p>Algorithmische Stablecoins halten ihre Preisbindung über Algorithmen aufrecht, die das Angebot des Tokens steuern.</p> <p>TerraUSD (UST) war der größte algorithmische Stablecoin und erreichte in der Spitze am 5. Mai eine Marktkapitalisierung von mehr als 18,7 Mrd. USD, bevor er nach dem Unterschreiten der Preisbindung stark abfiel.</p> <p>Der Preis von TerraUSD wurde durch die Prägung (Erschaffung) und Verbrennung (Vernichtung) der Schwestermünze Luna bei 1 US-Dollar festgesetzt. Es gab keine Sicherheiten, denn das gesamte Modell lief über die algorithmische Prägung und Verbrennung von Luna-Tokens, sobald ein UST-Stablecoin gekauft oder verkauft wurde.</p> <p>Dieses Modell erwies sich als problematisch. TerraUSD geriet in eine „Todesspirale“, die als Panikwelle das Äquivalent zu einem Ansturm auf die Bank im Mai auslöste. Eine Flut von Verkäufen „entkoppelte“ TerraUSD von seinem 1-Dollar-Preis und ließ den „stabilen” Coin schließlich zusammen mit seinem Schwestercoin Luna gegen Null sinken.</p> <p>Die Angst an den Märkten führte dazu, dass Tether am 12. Mai unter seine 1:1-Dollar-Bindung rutschte und 94 Cent kostete.</p> <p>Wenn auch nicht in demselben Ausmaß wie TerraUSD, machten sich die Anleger Sorgen über die Zuverlässigkeit der Reserven und darüber, ob Tether vollständig besichert ist.</p> <p>TerraUSD wird jetzt unter dem Namen TerraClassicUSD (USTC) gehandelt, seit die Terra-Blockchain am 9. Mai offiziell gestoppt und vom US-Dollar abgekoppelt wurde. USTC wird zu knapp 3 Cent gehandelt.</p> <h2 class="wp-block-heading"><strong>Wie werden Stablecoins verwendet?</strong></h2> <p>Mit Stablecoins können Anleger in verschiedene Kryptowährungen ein- und aussteigen und dabei innerhalb der Krypto-Welt bleiben.</p> <p>„Stablecoins werden verwendet, um die Lücke zwischen Fiat-Währungen und Kryptowährungen zu schließen, ohne die Volatilität“, sagt Richard Gardner, CEO von Modulus Global. </p> <p>„Stablecoins ermöglichen es auch Menschen aus Ländern mit hoher Inflation, den Wert ihrer Ersparnisse in einem Vermögenswert zu speichern, der an eine stabilere Währung wie den US-Dollar gekoppelt ist.“</p> <p>Diese Münzen bieten die Vorteile von Kryptowährungen, nämlich sofortige Überweisungen und niedrige Gebühren, ohne den Nachteil der Volatilität. Das bedeutet, dass Investoren sie halten können, ohne sich um wilde Schwankungen im Wert ihres Portfolios sorgen zu müssen.</p> <p>Internationale Banküberweisungen sind ein gutes Beispiel für einen Anwendungsfall. Auf herkömmliche Weise müssten dafür Devisen bei mehreren Banken und Vermittlern umgetauscht werden. Dieser Weg ist mit einer Reihe von Schritten und verschiedenen Gebühren verbunden und dauert oft einige Arbeitstage, im Gegensatz zu einer Stablecoin-Überweisung, die sofort und ohne oder mit geringen Gebühren erfolgt.</p> <h2 class="wp-block-heading"><strong>Wie man mit Stablecoins Geld verdient</strong></h2> <p>Die erste Methode, mit der Stablecoin-Emittenten Geld verdienen, ist die Erhebung von Gebühren für die Einlösung und Ausgabe von Stablecoins.</p> <p>Danach variiert sie oft je nach Art des Stablecoins. Für zentralisierte Emittenten führt dieser Wunsch, Geld zu verdienen, zu einer Kontroverse über die Transparenz der Reserven, wie oben beschrieben. Für viele ist dies der Nachteil des zentralisierten Modells – die Tatsache, dass Investoren, die solche Stablecoins halten, ein Gegenparteirisiko eingehen.</p> <p>Das Kontrahentenrisiko ist die Wahrscheinlichkeit, dass die andere Partei der Anlage einen Teil der Vereinbarung nicht erfüllt und die vertragliche Verpflichtung nicht einhält.</p> <p>„(Zentralisierte) Stablecoins verdienen Geld, indem sie ihre Dollarreserven in höher verzinsliche Anlageklassen investieren, zum Beispiel in Commercial Paper oder Schatzwechsel“, sagt Ganesh Viswanath Natraj, Assistenzprofessor für Finanzen an der Warwick Business School in Großbritannien. „Im Gegensatz dazu werden ihre Verbindlichkeiten mit null Prozent verzinst.“</p> <p>Dezentrale Stablecoins hingegen haben Einnahmemodi, die sich von Protokoll zu Protokoll unterscheiden.</p> <p>Typische Beispiele sind der Verkauf von Governance-Tokens, mit denen Käufer die Stimmrechtskontrolle über die Zukunft des Stablecoins erhalten, oder das Sperren von Geldern in Smart Contracts auf der Blockchain, um Zinsen zu erhalten.</p> <p>Diese Investitionen der Stablecoin-Emittenten sind jedoch mit Risiken verbunden. Der Stablecoin-Emittent muss einen Kompromiss eingehen.</p> <p>„Während die Investition ihrer Dollarreserven die Gewinne steigern kann, erhöht sich dadurch auch das Risiko eines (Bank-)Runs und dass sie nicht genügend liquide Reserven haben, um die Rückzahlungen im Falle einer Panik der Anleger zu bedienen“, sagt Natraj.</p> </div> </div> <div class="article__editors-note article__editors-note-bottom p-2 my-3 text-xs tracking-tight w-full bg-f8f8f8" data-mktp-container='{"componentTitle":"Article Editor Bottom Note","componentType":"Article Editor Bottom Note"}'> Die auf Forbes Advisor bereitgestellten Informationen dienen der Bildung der Verbraucher. Deine finanzielle Situation ist individuell und die Produkte und Dienstleistungen, die wir vorstellen, können nicht in jedem Fall für Deine Situation geeignet sein. Wir sind weder Finanzberatung, noch Makler oder Broker und empfehlen Dir keine konkreten Aktien oder Wertpapiere. Kursentwicklungen von Wertpapieren können sich seit der Veröffentlichung des Artikels geändert haben. Die Wertentwicklung in der Vergangenheit ist keine Garantie für zukünftige Ergebnisse. </br> Forbes Advisor folgt strengen journalistischen Standards. Alle Angebote sind nach bestem Wissen so dargestellt, wie sie zum Stichtag der Analyse vorlagen. Möglicherweise sind manche Angebote nicht mehr verfügbar, wenn Du den Artikel später aufrufst. Für die Inhalte sind ausschließlich die Autoren verantwortlich. Insbesondere wurden Inhalte nicht von Werbepartnern zur Verfügung gestellt, genehmigt oder anderweitig beeinflusst. </div> <div class="article__author-bio mt-3 mb-5 border-t-3 border-b-3 border-black mb-5" data-mktp-container='{"componentTitle":"Article Bottom Author","componentType":"Article Bottom Author"}'> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block py-3 flex "> <div class="author__block-image-wrap rounded-50 h-16 w-16 overflow-hidden mr-4"> <a href="https://www.forbes.com/advisor/de/author/dan-ashmore/" title="Dan Ashmore" target="_blank" > <span data-bg-src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2022/11/Dan.png" class="avatar inline-block bg-cover bg-no-repeat bg-center h-full w-full lazy-load-bg" title="Dan Ashmore"></span> </a> </div> <div class="author__block-content font-euclidcircularb-regular flex flex-wrap flex-col justify-center"> <a href="https://www.forbes.com/advisor/de/author/dan-ashmore/" title="Dan Ashmore" target="_blank" class="author__block-name pr-2 sm:pr-1" > <span class="text-sm text-gray-500 leading-22px">Dan Ashmore</span> </a> <span class="author__block-role text-xs leading-normal mr-1 capitalize text-929A9B">Freier Mitarbeiter</span> </div> </div> </div> <div class="article__author-bio-bottom border-t-1 border-gray-200 py-4"> <p class="font-work-sans text-base lg:text-lg leading-6 lg:leading-30px text-black tracking-tight"> Dan Ashmore, CFA, ist Finanzanalyst aus Irland. Er schreibt für CoinJournal und Invezz und hat Analysen zu Bitcoin.com, The Independent und zahlreichen anderen Publikationen beigetragen. Dan hat auch eine Abhandlung über den fairen Preis von Bitcoin veröffentlicht und schreibt derzeit ein Buch. Folge ihm auf Twitter </p> </div> </div> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block py-3 flex "> <div class="author__block-image-wrap rounded-50 h-16 w-16 overflow-hidden mr-4"> <a href="https://www.forbes.com/advisor/de/author/michael-adams/" title="Michael Adams" target="_blank" > <span data-bg-src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2022/11/michael-adams-headshot-768x768.jpg" class="avatar inline-block bg-cover bg-no-repeat bg-center h-full w-full lazy-load-bg" title="Michael Adams"></span> </a> </div> <div class="author__block-content font-euclidcircularb-regular flex flex-wrap flex-col justify-center"> <a href="https://www.forbes.com/advisor/de/author/michael-adams/" title="Michael Adams" target="_blank" class="author__block-name pr-2 sm:pr-1" > <span class="text-sm text-gray-500 leading-22px">Michael Adams</span> </a> <span class="author__block-role text-xs leading-normal mr-1 capitalize text-929A9B">Redakteur</span> </div> </div> </div> <div class="article__author-bio-bottom border-t-1 border-gray-200 py-4"> <p class="font-work-sans text-base lg:text-lg leading-6 lg:leading-30px text-black tracking-tight"> Michael ist Redakteur für Kryptowährungen bei Forbes Advisor in den USA. Er begann seine Karriere im Bereich Finanzen 2005 als Marketingtexter und vertiefte sein Wissen über Geldanlage. Im Laufe der Jahre hat er Redaktions- und Marketingbeiträge für viele der weltweit führenden Finanznewsletter und -publikationen verfasst. Seine Hauptinteressen sind Technologie, Blockchain und Kryptowährungen. </p> </div> </div> </div> <div class="article-sharing" data-mktp-container='{"componentTitle":"Social Icons","componentType":"Social Icons"}'> <a v-on:click.prevent="handleArticleSharing" href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fde%2Fgeldanlage%2Fkrypto%2Fstablecoins%2F" class="article-sharing__link article-sharing__link--facebook"></a> <a v-on:click.prevent="handleArticleSharing" href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fde%2Fgeldanlage%2Fkrypto%2Fstablecoins%2F&text=Eine+Einf%C3%BChrung+in+Stablecoins" class="article-sharing__link article-sharing__link--twitter"></a> <a v-on:click.prevent="handleArticleSharing" href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fde%2Fgeldanlage%2Fkrypto%2Fstablecoins%2F&title=Eine+Einf%C3%BChrung+in+Stablecoins" class="article-sharing__link 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