Sidee Stablecoins u Beddelayaan Habka Lacagaha xawilaada Caalamiga ah?

Dunida fintech iyo blockchain-ka, waxaa horumar wayn ku socda si xawaare leh — “Stablecoins.” Oo markii hore waxay ahaayd fikrad loogu talagalay in lagu dejiyo qiimaha cryptocurrencies-ka sida Bitcoin iyo Ethereum, balse maanta waxay noqdeen lacago dhab ah oo la tartamaya shabakadaha lacag-bixinta caalamiga ah sida Visa, Mastercard, iyo ACH (Automated Clearing House). 

Daraasad ay daabacay {CoinMetrics Data Report (2025)} sanadkan 2025-ta waxay muujisay in Stablecoins la iskugu xawilay lacag dhan $46 tirilyan (trillion USD) 12-kii bilood ee la soo dhaafay. Taasi waxay ka badan tahay Visa oo $16T la isku dhaafsaday, arintaan waxay muujineysaa in stablecoins ay hadda yihiin hab lacag-bixineed awood badan oo aan la dhayalsan karin.

Su’aalaha is-waydiinta mudan ayaa waxay tahay Sidee bay u suurtagashay in lacagahaan stablecoins-ka ay la tartamaan shabakado taariikhi ah oo muddo dheer jiray? Maxaa sabab u ah adeegsiga deg-degga ah? Maxay tani uga dhigan tahay mustaqbalka dhaqaalaha caalamka?

Waxaan si qoto dheer ugu jawabi doonaa Su’aalahaas gudaha maqaalkaan.

Waa Maxay Stablecoins?

Stablecoin waa nooc ka mid ah lacagaha Digital-ka ah ee cryptocurrency loo sameeyay si ay u ahaato qiimo deggan, oo aan isbeddelin sida Bitcoin ama Ethereum, iskuna xera Crypto iyo Fiat.
Qiimahooda waxaa lagu xiraa lacag ama hanti dhab ah (sida Doolarka, Euro, ama Dahabka), taas oo ka dhigaysa in hal stablecoin uu u dhigmaayo hal doolar ama hal qiime kale oo la mid ah.

Tusaale ahaan:

• USDT (Tether) → 1 USDT ≈ $1
• USDC (USD Coin) → 1 USDC ≈ $1
• DAI (MakerDAO) → 1 DAI ≈ $1 crypto collateral ah.

Kororka Isticmaalka Stablecoins (2024–2025)

Sannadahaan dambe 2024 iyo 2025, isticmaalka stablecoins si xawli ah ayuu u kordhay. Marka la eego xogta blockchain analytics ee la daabacay 2025, [The Block Research: Stablecoin Market Overview (2025)] waxaa lagu arkay in:

• $46 tirilyan USD la iskugu xawilay stablecoins hal sano gudaheed.
• In ka badan 30 milyan oo qof ayaa isticmaala stablecoins si maalinle ah.
• USDT (Tether) waa kan lagu isticmaaka badan yahay, in ka badan 70% suuqa io xawilaada caalamiga ah.
• USDC, DAI, iyo PYUSD (PayPal USD) iyaguna si tartiib tartiib ah ayee u korayaan adeegsigooda.

Tani waxay na-tusineysaa in stablecoins aysan ahayn oo kaliya lacag digital crypto ah, balse ay hadda yihiin shabakad lacag-bixin dhab ah oo caalami ah.

Maxay Ku Kala Duwan Yihiin Stablecoins iyo Shabakadaha Lacag-bixinta Caadiga ah?

Marka la-is barbardhigo stablecoins iyo shabakadaha lacag-bixinta dhaqameed-ka sida Visa, Mastercard, iyo ACH, waxaa jira farqi weyn ay ku kala duwan yihiin.

Stablecoins VS cards (Visa & Master):

• Visa Card waa mid ka mid ah shabakadaha lacag-bixinta ugu awoodda badan adduunka, oo sanadkii tagay 2024 waxaa la iskugu xawilay hanti dhan $16 tirilyan.
• Laakiin marka lala barbardhigo stablecoins, tiradaasi waxay noqotay mid yar, maadaama stablecoins la iskugu xawilay $46T.

Farqiga ugu weyn wuxuu yahay:

• Visa waxay ku shaqeysaa nidaam dhexe oo bangiyo iyo shirkado badan ku lug leeyihiin. 
  • Halka
• Stablecoins ay ku shaqeeyaan nidaam furan (decentralized) oo qof kasta isticmaali karo kuna dhisan Blockchain

Stablecoins VS ACH (Automated Clearing House)

• ACH waa nidaamka Mareykanka ee lacagaha lagu kala wareejiyo bangiyada (sida mushaharka, biilasha, iyo lacagaha ganacsiga).
• Wuxaa sanadkii 2024 la iskugu dhaafsaday $87T — taasoo ka badan stablecoins, balse farqiga u dhaxeeyo ayaa ah in ay yihiin labao hanaan oo kala duwan mid ku Furan (Decentralized) iyo Mid cid dhexe maamulka gacanta ku hayso.

Waxa la saadaalinayaa in 3–5 sano soo socoto, stablecoins ay dhaafi karaan xitaa ACH marka loo eego tirada wareejinta (volume) iyo xawaaraha kororka.

Sababaha Keenay Kobacaan Deg-degga ah ee Stablecoins-ka

1. Xawilaadaha Caalamiga ah (Cross-border payments):
   Dadka ka shaqeeya online-ka, freelancers, iyo ganacsatada e-commerce-ka ayaa aad u isticmaala stablecoins si ay u helaan lacag si degdeg ah oo kharash yar ah.
2. Kororka DeFi (Decentralized Finance):
   DeFi app-yada sida Aave, Compound, iyo Uniswap waxay u baahan yihiin stablecoins si ay u bixiyaan amaah, ganacsi, iyo yield farming Crypto taas oo kordhisay baahida.
3. Dadka Bank la’aanta (Unbanked Populations):
   Qof kasta oo haysta internet iyo smartphone ayaa isticmaali kara stablecoins, xitaa haddii uusan bangi haysan.
4. Shirkado waaweyn oo xiiseynaya:
   PayPal, Visa, iyo Stripe waxay bilaabeen inay taageeraan stablecoins sida PYUSD iyo USDC — taas oo xoojisay kalsoonida suuqa.

Faa’iidooyinka Ugu Waaweyn ee Stablecoins

1. Degdeg 24/7 maalmood:
   Waxaa la diri karaa wakhti kasta, maalin ama habeen, xitaa maalmaha fasaxa ah.
2. Kharash aad u hooseeya:
   Ganacsatada iyo shaqsiyaadka ma bixiyaan khidmadaha sare ee bangiyada.
3. Xuduud la’aan:
   Looma baahna in la haysto akoon bangi. Qof kasta oo leh telefoon iyo internet waa isticmaali karaa.
4. Transparency:
   Dhammaan macaamillada waa lagu diwaan galiyaa blockchain-ka.
5. Waxay xoojiyaan a qabsiga lacagaha Digital-ka ah ee Crypto:
   Maadaama qiimahoodu deggan yahay, waxay u fududeeyaan dadka cusub ee doonaya inay galaan suuqa crypto.

Caqabadaha aan wali la xailin ee StableCoins-ka

Inkasta oo ay guul weyn tahay adeegsigooda stablecoins, haddana wali waxay wajahaan caqabado loo baahan yahay in xal-waare loo helo, waxaa ka mid ah:

1. Sharciyeyn aan caddeyn
   Dalal badan weli kama aysan samayn sharciyo cad oo nidaamiya stablecoins, gaar ahaan marka ay ku lug yeeshaan lacagaha doolarka ah.
2. Kalsooni la’aan ku saabsan kaydka (Reserves):
   Dadku weli su’aalo ayay ka qabaan in shirkadaha sida Tether ay dhab ahaan hayaan hanti u dhiganto inta Stablecoin ay soo soo saaraan.
3. ka faa’iideysiga khataraha (Illicit use):
   Maadaama si fudud loo diri karo, waxaa laga yaabaa in dadka qaar ay u adeegsaaan si  sharci darrada ah — arrintaan dowladaha si dhow ayay u eegayaan.
4. Halista teknoolojiyadda iyo hackers:
   Haddii blockchain ama smart contract uu khalad yeesho, lacag badan ayaa halis gali karta.

Mustaqbalka Stablecoins: Ma nqoqon doonaan Lacagaha xawilaada Caalamka ah?

Marka la eego heerka koritaanka iyo taageerada ay helayaan, stablecoins waxay u muuqdaan mustaqbalka lacagaha xawilaada caalamiga ah.
Waxaa la saadaalinayaa in dhowaan:

• Shirkadaha lacag-bixinta dhaqameed ay ku biiri doonaan nidaamyada stablecoins.
• Dowlado badan waxay qorshaynayaan soo saarista CBDCs (Central Bank Digital Currencies).
• Lacagaha crypto iyo Fiat oo si buuxda isu dhex geli doonaan (hybrid financial systems).

Waxaa sidoo kale suurtagal ah in mustaqbalka dhow, mushaharka shaqaalaha, lacagaha ganacsiyada, iyo xitaa canshuuraha lagu bixin doono stablecoins.

HALKAAN KA BARO COURSADA CRYPTOCURRENCY

Crypto bilaw ilaa dhamaad AF:Somali