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GlossaryCCrypto-backed Stablecoin

Crypto-backed Stablecoin

A digital asset backed by other digital assets, often overcollateralized to ensure stability.

What is Crypto-backed Stablecoin?

Crypto-backed stablecoins, like Dai (DAI) issued by MakerDAO, are digital assets pegged to a fiat currency (e.g., USD) but backed by other digital assets, such as ETH, rather than fiat reserves. To counter the volatility of underlying assets, these stablecoins use overcollateralization, where the value of collateral exceeds the stablecoin’s pegged value. Managed by smart contracts, they offer decentralized stability, making them popular in DeFi for lending, borrowing, and liquidity provision, though they carry risks from collateral price fluctuations.

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