{"id":11,"date":"2023-08-07T17:51:22","date_gmt":"2023-08-07T09:51:22","guid":{"rendered":"\/?p=11"},"modified":"2023-08-07T17:51:23","modified_gmt":"2023-08-07T09:51:23","slug":"makerdao%e5%88%a9%e7%8e%87%e6%b6%a8%e8%87%b38%ef%bc%85%ef%bc%8c%e5%b7%a8%e9%af%a8%e5%8d%83%e8%90%acdai%e7%a7%92%e5%ad%98%ef%bc%8ctvl%e8%a1%9d%e7%a0%b44%e5%84%84usdt","status":"publish","type":"post","link":"\/show-defi-11-1.html","title":{"rendered":"MakerDAO利率涨至8％，巨鯨千萬DAI秒存，TVL衝破4億USDT"},"content":{"rendered":"\n<figure class='\"wp-block-image' size-full><img decoding='\"async\"' loading='\"lazy\"' width='\"750\"' height='\"375\"' src="\"\/wp-content\/uploads\/2023\/08\/image.png\"" alt='\"\"' class='\"wp-image-12\"' srcset='\"\/wp-content\/uploads\/2023\/08\/image.png' https: sizes='\"(max-width:'>\n\n\n\n<p>在美國聯準會不斷升息的背景下，無風險利率穩步攀升，並且已經明顯超過 DeFi 收益率。對此，去中心化穩定幣協議 MakerDAO 上週發起社群提案，提議將 Dai 儲蓄率（DSR）從 3.19% 提高至 8%，目的是為了要刺激市場對於 DAI 的大量需求。\n\n\n\n
<p>註：儲蓄率（全名 DAI saving rates，DSR）是指 DAI 的存款利率，即 MakerDAO 提供了一個儲蓄合約，用戶只需要將自己持有的 DAI 存入，就可以獲得利率。DSR 堪稱去中心化央行利率。\n\n\n\n
<p>不過據說明，DAI 並不一定會永久保持在 8%，而是會依據 DSR 不同使用率而有所變化。例如在 DSR 使用率 20% 時，可以引進 EDSR 機制給予 2.5 倍存款乘數，此時利率來到 8%。簡單來說，在 DSR 存款使用率低於一定量的時候，EDSR 機制將使 DSR 少數存款者享受更多的利息分額，來吸引更多人存款。\n\n\n\n<figure class='\"wp-block-image\"'><img decoding='\"async\"' src="\"https:\/\/image.blocktempo.com\/2023\/08\/7867867861638.png\"" alt='\"\"' class='\"wp-image-263667\"' title='\"7867867861638' |>\n\n\n\n<h3 class='\"wp-block-heading\"'>MakerDAO 正式啟動&nbsp; DAI 8％ 利率\n\n\n\n</h3>
<p>據 MakerDAO 治理頁面顯示，MakerDAO 社群 5 日已正式投票通過 Dai 儲蓄率（DSR）提高至 8% 的提案，並且該提案已在今（7）日凌晨正式開始執行。\n\n\n\n<figure class='\"wp-block-image\"' id='\"attachment_263616\"'><img decoding='\"async\"' src="\"https:\/\/image.blocktempo.com\/2023\/08\/%E6%88%AA%E5%9C%96-2023-08-07-%E4%B8%8B%E5%8D%88121743.png\"" alt='\"\"' class='\"wp-image-263616\"' title='\"截圖' |><figcaption class='\"wp-element-caption\"'>DAI 存款利率（DSR）已提高至 8%。圖源：Spark Protocol\n\n\n\n<p>除了將 DAI 存款利率上調至 8% 外，協議其他主要變化還包括：\n\n\n\n
<ul>\n<li>MakerDAO 借貸協議 Spark Protocol 直接存款模塊最大債務上限從 2000 萬枚 DAI 增加至 2 億枚DAI；\n\n\n\n</li>
<li>RWA（真實世界資產）參數修正，現RWA004-A 債務上限從 700 萬枚 DAI 降至 0 DAI、RWA002-A 協議實施更新、\n\n\n\n</li>
<li>2023 年第 2 季度 AVC 會員薪酬更新：134.1 枚 MKR 分配給 AVC 會員；\n\n\n\n</li>
<li>Spark Protocol 更新 DAI 利率策略，並將 DAI 市場貸款價值比（LTV）從 74% 降至 0.01%，DAI 清算門檻從 76% 降至 0.01%，WETH 市場準備金率從 15% 降至 5%，WETH 的 variableRateSlope1 從 3.8% 降至3%。\n\n","protected":false},"excerpt":{"rendered":"<p>在美國聯準會不斷升息的背景下，無風險利率穩步攀升，並且已經明顯超過 DeFi 收益率。對此，去中心化穩定幣協議 [&hellip;]\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[10,12,11,13,14],"_links":{"self":[{"href":"\/wp-json\/wp\/v2\/posts\/11"}],"collection":[{"href":"\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":1,"href":"\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"predecessor-version":[{"id":13,"href":"\/wp-json\/wp\/v2\/posts\/11\/revisions\/13"}],"wp:attachment":[{"href":"\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
</li>
</ul></figcaption></figure></figure></figure>