{"id":5874,"date":"2025-11-06T16:02:28","date_gmt":"2025-11-06T14:02:28","guid":{"rendered":"https:\/\/cryptodnes.bg\/cz\/?page_id=5874"},"modified":"2025-11-10T12:12:14","modified_gmt":"2025-11-10T10:12:14","slug":"co-je-stablecoin","status":"publish","type":"page","link":"https:\/\/cryptodnes.bg\/cz\/akademie\/co-je-stablecoin\/","title":{"rendered":"Co je stablecoin a pro\u010d vznikl?"},"content":{"rendered":"<p>Stablecoin je druh kryptom\u011bny, kter\u00e1 se sna\u017e\u00ed dr\u017eet stabiln\u00ed hodnotu. Narozd\u00edl od klasick\u00fdch kryptom\u011bn, jako jsou nap\u0159\u00edklad <a href=\"https:\/\/cryptodnes.bg\/cz\/cenove-predikce-kryptomen\/bitcoin-predikce\/\" target=\"_blank\" rel=\"noopener\">bitcoin<\/a> nebo <a href=\"https:\/\/cryptodnes.bg\/cz\/cenove-predikce-kryptomen\/ethereum-predikce\/\" target=\"_blank\" rel=\"noopener\">ethereum<\/a> tak v\u011bt\u0161inou nezaznamen\u00e1vaj\u00ed tak v\u00fdraznou volatilitu. Z\u00e1rove\u0148 jsou \u010dasto v\u00e1z\u00e1ny na jin\u00e1 aktiva. <strong>Jin\u00fdmi slovy se jedn\u00e1 o digit\u00e1ln\u00ed mince ulo\u017een\u00e9 na blockchainu, kter\u00e9 kombinuj\u00ed v\u00fdhody ze sv\u011bta kryptom\u011bn i tradi\u010dn\u00edch finan\u010dn\u00edch trh\u016f.<\/strong> V tomto \u010dl\u00e1nku se proto zam\u011b\u0159\u00edme na to, jak stablecoin funguje, jak\u00e9 jsou v\u00fdhody a nev\u00fdhody a dal\u0161\u00ed kl\u00ed\u010dov\u00e9 informace, kter\u00e9 je vhodn\u00e9 zn\u00e1t p\u0159ed samotnou investic\u00ed.<\/p>\n<h2>Jak stablecoin funguje?<\/h2>\n<p>Stablecoin je kryptom\u011bna, kter\u00e1 c\u00edl\u00ed na udr\u017een\u00ed st\u00e1l\u00e9 hodnoty v\u016f\u010di jin\u00e9 m\u011bn\u011b. Nej\u010dast\u011bji jsou to fiat m\u011bny, ale m\u016f\u017ee se jednat tak\u00e9 o jin\u00e9 kryptom\u011bny nebo dokonce komodity. Jejich snahou je udr\u017eet pom\u011br hodnoty zhruba 1:1. <strong>Stablecoiny funguj\u00ed na principu kryt\u00ed danou m\u011bnou. Existuje n\u011bkolik typ\u016f kryt\u00ed stablecoin\u016f, kter\u00e9 si podrobn\u011bji pop\u00ed\u0161eme d\u00e1le v textu.<\/strong><\/p>\n<p><strong>D\u00edky vyu\u017eit\u00ed blockchainu jsou transakce rychl\u00e9 a levn\u00e9. V\u00fdhodou je tak\u00e9 bezpe\u010dnost a transparentnost, proto\u017ee prost\u0159edky lze pos\u00edlat tak\u00e9 bez schv\u00e1len\u00ed t\u0159et\u00ed stranou.<\/strong> B\u00fdvaj\u00ed mimo jin\u00e9 vyu\u017e\u00edv\u00e1ny v r\u00e1mci DeFi n\u00e1stroj\u016f, jako jsou nap\u0159\u00edklad p\u016fj\u010dky a jin\u00e9 formy obchodov\u00e1n\u00ed. stablecoiny pat\u0159\u00ed mezi obl\u00edben\u00e9 n\u00e1stroje investor\u016f a dlouhodob\u011b se t\u011b\u0161\u00ed velk\u00e9 oblib\u011b.<\/p>\n<figure id=\"attachment_5982\" aria-describedby=\"caption-attachment-5982\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5982\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Co-je-stablecoin-1024x537.png\" alt=\"Co je stablecoin\" width=\"800\" height=\"420\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Co-je-stablecoin-1024x537.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Co-je-stablecoin-300x157.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Co-je-stablecoin-768x403.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Co-je-stablecoin.png 1232w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5982\" class=\"wp-caption-text\">Co je Stablecoin. Zdroj: Trust Wallet<\/figcaption><\/figure>\n<h3>Jak si stablecoin dr\u017e\u00ed stabiln\u00ed hodnotu?<\/h3>\n<p>Jak ji\u017e bylo zm\u00edn\u011bno v \u00favodu, stablecoiny jsou \u010dasto v\u00e1z\u00e1ny na jin\u00e1 aktiva. Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad fiat m\u011bny (eura, dolary..), jin\u00e9 kryptom\u011bny nebo dokonce komodity, jako nap\u0159\u00edklad zlato. Udr\u017euj\u00ed si st\u00e1lou hodnotu vzhledem k tomuto aktivu. <strong>Mezi nejzn\u00e1m\u011bj\u0161\u00ed stablecoiny pat\u0159\u00ed USDT (Tether), kter\u00e9 se v\u017edy sna\u017e\u00ed m\u00edt p\u0159ibli\u017en\u011b stejnou hodnotu jako 1 USD.<\/strong> Mechanismus, kter\u00fd stoj\u00ed za touto stabilitou je takzvan\u00e9 kryt\u00ed stablecoinu.<\/p>\n<h2>Co je to kryt\u00ed stablecoinu?<\/h2>\n<p><strong>Zm\u00ednili jsme, \u017ee pomoc\u00ed kryt\u00ed stablecoinu doch\u00e1z\u00ed ke stabiln\u00ed hodnot\u011b v\u016f\u010di dan\u00e9mu aktivu, se kter\u00fdm je stablecoin spojen<\/strong>. Je v\u0161ak d\u016fle\u017eit\u00e9 vysv\u011btlit si, jak toho stablecoiny dos\u00e1hnou. Obecn\u011b \u0159e\u010deno, ka\u017ed\u00e1 jednota je ji\u0161t\u011bn\u00e1 ur\u010ditou hodnotou na pozad\u00ed. Pokud se nap\u0159\u00edklad zam\u011b\u0159\u00edme na \u00a0zn\u00e1m\u00fd Tether (USDT), pak v\u00edme, \u017ee za ka\u017ed\u00fd 1 USDT existuje 1 USD v r\u00e1mci rezervy. V p\u0159\u00edpad\u011b dal\u0161\u00edch typ\u016f jde o obdobn\u00fd princip v r\u00e1mci jin\u00e9 m\u011bny.<\/p>\n<p>Kryt\u00ed tedy znamen\u00e1, \u017ee za ka\u017ed\u00fdm vydan\u00fdm stablecoinem je n\u011bjak\u00e9 dal\u0161\u00ed aktivum a t\u00edm doch\u00e1z\u00ed k zaru\u010den\u00ed jeho hodnoty. <strong>Jedn\u00e1 se tedy o ur\u010ditou z\u00e1ruku toho, \u017ee dan\u00e9 aktivum m\u00e1 opravdu tuto danou hodnotu, pomoc\u00ed kter\u00e9 je kryta. <\/strong>D\u00edky sv\u00e9 stabilit\u011b je obl\u00edben\u00fdm n\u00e1strojem pro investory hledaj\u00edc\u00ed decentralizovan\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 nab\u00edz\u00ed men\u0161\u00ed volatilitu ne\u017eli klasick\u00e9 kryptom\u011bny.<\/p>\n<figure id=\"attachment_5983\" aria-describedby=\"caption-attachment-5983\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5983\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-1024x528.png\" alt=\"Benefity Stablecoinu.\" width=\"800\" height=\"413\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-1024x528.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-300x155.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-768x396.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu.png 1372w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5983\" class=\"wp-caption-text\">Benefity Stablecoinu. Zdroj: Coin98<\/figcaption><\/figure>\n<h2>R\u016fzn\u00e9 typy kryt\u00ed stablecoin\u016f a jejich nejzn\u00e1m\u011bj\u0161\u00ed typy<\/h2>\n<p>Stablecoiny se d\u00e1le d\u011bl\u00ed podle toho, jak\u00fdm zp\u016fsobem jsou kryt\u00e9. Ka\u017ed\u00fd typ m\u00e1 jin\u00fd mechanismus, podle kter\u00e9ho udr\u017euj\u00ed stabiln\u00ed hodnotu, ale tak\u00e9 r\u016fznou m\u00edru rizika. Pro spr\u00e1vn\u00fd v\u00fdb\u011br je tedy d\u016fle\u017eit\u00e9 zn\u00e1t jejich fungov\u00e1n\u00ed, kter\u00e9 je spojeno s r\u016fzn\u00fdmi benefity i riziky. <strong>Pokud jde nap\u0159\u00edklad o stablecoiny, kter\u00e9 jsou v\u00e1z\u00e1ny na fiat m\u011bny, jsou v\u017edy podlo\u017eeny skute\u010dnou m\u011bnou v bank\u00e1ch.<\/strong> Jin\u00fdmi slovy, za ka\u017ed\u00fd 1 USDT existuje 1 USD v r\u00e1mci rezervy.<\/p>\n<p>Obdobn\u011b tomu je i u stablecoin\u016f, kter\u00e9 pou\u017e\u00edvaj\u00ed ke kryt\u00ed jin\u00e9 <a href=\"https:\/\/cryptodnes.bg\/cz\/nejlepsi-kryptomeny\/\" target=\"_blank\" rel=\"noopener\">top kryptom\u011bny<\/a>. Ty jsou pak uzamknuty ve smart kontraktech jako kolater\u00e1l. <strong>Dal\u0161\u00edm zp\u016fsobem jsou algoritmick\u00e9 stablecoiny, kter\u00e9 nejsou kryty p\u0159\u00edmo.<\/strong> Jejich cenu \u0159\u00edd\u00ed algoritmus a smart kontrakty, kter\u00e9 podle popt\u00e1vky a nab\u00eddky mince vyd\u00e1vaj\u00ed nebo spaluj\u00ed. P\u0159\u00edkladem takov\u00e9ho projektu je TerraUSD \u2013 UST).<\/p>\n<p><strong>Typy kryt\u00ed stablecoin\u016f<\/strong>:<\/p>\n<ul>\n<li><strong>Fiat m\u011bnou<\/strong> \u2013 Stablecoiny maj\u00ed v rezerv\u00e1ch re\u00e1ln\u00e9 pen\u00edze (Fiat m\u011bny), kter\u00e9 jsou ulo\u017eeny v bank\u00e1ch. Nej\u010dast\u011bj\u0161\u00ed Fiat m\u011bnou pro kryt\u00ed stablecoin\u016f jsou americk\u00e9 dolary. Ka\u017ed\u00fd vydan\u00fd stablecoin odpov\u00edd\u00e1 1 jednotce Fiat m\u011bny (1 USDT = 1 USD). Investo\u0159i mohou kdykoli stablecoiny sm\u011bnit zp\u011bt na Fiat m\u011bnu s t\u00edm, \u017ee dojde ke sp\u00e1len\u00ed dan\u00e9 \u010d\u00e1stky stablecoin\u016f pro udr\u017een\u00ed stabiln\u00ed hodnoty.<\/li>\n<li><strong>Kryptom\u011bnou<\/strong> \u2013 Kolater\u00e1l neboli zaji\u0161t\u011bn\u00ed se v tomto p\u0159\u00edpad\u011b ukl\u00e1d\u00e1 do smart kontrakt\u016f na blockchainu. Tyto stablecoiny jsou zaji\u0161t\u011bny formou kryptom\u011bny (nej\u010dast\u011bji bitcoin nebo ethereum). Ur\u010ditou nev\u00fdhodou m\u016f\u017ee b\u00fdt nestabilita kolater\u00e1lu. V p\u0159\u00edpad\u011b, \u017ee cena kryptom\u011bn klesne, m\u016f\u017ee doj\u00edt ke ztr\u00e1t\u00e1m v\u016f\u010di vlo\u017een\u00e9mu kapit\u00e1lu.<\/li>\n<li><strong>Poh\u00e1n\u011bn\u00e9 algoritmem<\/strong> \u2013 Tyto stablecoiny nejsou kryty \u017e\u00e1dn\u00fdm aktivem. Jsou pln\u011b \u0159\u00edzeny algoritmem a smart kontrakty, kter\u00e9 se \u0159\u00edd\u00ed nab\u00eddkou a popt\u00e1vkou. V p\u0159\u00edpad\u011b, \u017ee se hodnota zv\u00fd\u0161\u00ed, vydaj\u00ed nov\u00e9 mince. Naopak v p\u0159\u00edpad\u011b poklesu mince sp\u00e1l\u00ed. Zat\u00edmco n\u011bkte\u0159\u00ed investo\u0159i vid\u00ed benefity v pln\u00e9 automatizaci a decentralizaci, jin\u00ed ukazuj\u00ed na mo\u017enost kolapsu p\u0159i velk\u00e9 volatilit\u011b trhu.<\/li>\n<\/ul>\n<figure id=\"attachment_5986\" aria-describedby=\"caption-attachment-5986\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5986\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Typy-stablecoinu-1024x491.png\" alt=\"Typy stablecoin\u016f\" width=\"800\" height=\"384\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Typy-stablecoinu-1024x491.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Typy-stablecoinu-300x144.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Typy-stablecoinu-768x368.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Typy-stablecoinu-130x63.png 130w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Typy-stablecoinu.png 1456w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5986\" class=\"wp-caption-text\">Typy stablecoin\u016f. Zdroj: https:\/\/coin98.net\/what-is-stablecoin<\/figcaption><\/figure>\n<p>\u00a0<\/p>\n<h3>Stablecoin USDC<\/h3>\n<p>USDC pat\u0159\u00ed mezi nejzn\u00e1m\u011bj\u0161\u00ed stablecoiny na trhu. <strong>Je nav\u00e1z\u00e1n na cenu americk\u00e9ho dolaru a sna\u017e\u00ed se udr\u017eet stabiln\u00ed hodnotu mezi 1 USDC a 1 USD.<\/strong> Zp\u016fsob kryt\u00ed je tedy v tomto p\u0159\u00edpad\u011b fiat m\u011bnou nebo ekvivalentem (nap\u0159\u00edklad st\u00e1tn\u00edmi dluhopisy). Vydavatelem toho coinu je spole\u010dnost Circle ve spolupr\u00e1ci s Coinbase. Stablecoin USDC vznikl v roce 2018 v r\u00e1mci projektu Centre Consortium.<\/p>\n<p>V praxi to funguje tak, \u017ee investor vlo\u017e\u00ed ur\u010dit\u00fd po\u010det dolar\u016f a vydavatel vytvo\u0159\u00ed odpov\u00eddaj\u00edc\u00ed mno\u017estv\u00ed USDC. V p\u0159\u00edpad\u011b sm\u011bny nebo prodeje se dan\u00fd po\u010det USDC sp\u00e1l\u00ed. <strong>Rezervy jsou v tomto p\u0159\u00edpad\u011b pln\u011b auditovan\u00e9 a pravideln\u011b kontrolovan\u00e9, co\u017e zvy\u0161uje d\u016fv\u011bryhodnost stablecoinu v r\u00e1mci krypto komunity. <\/strong>USDC v sou\u010dasn\u00e9 dob\u011b funguje na n\u011bkolika s\u00edt\u00edch a vyu\u017e\u00edv\u00e1 se k rychl\u00fdm a levn\u00fdm mezin\u00e1rodn\u00edm p\u0159evod\u016fm, <a href=\"https:\/\/cryptodnes.bg\/cz\/krypto-burzy\/obchodovani-na-burze-pro-zacatecniky\/\">obchodov\u00e1n\u00ed na krypto burz\u00e1ch<\/a> nebo jin\u00fdm DeFi n\u00e1stroj\u016fm.<\/p>\n<h3>Stablecoin DAI<\/h3>\n<p>DAI je decentralizovan\u00fd stablecoin, kter\u00fd udr\u017euje stabiln\u00ed hodnotu 1 DAI = 1 USD. <strong>Narozd\u00edl od stablecoin\u016f USDT a USDC v\u0161ak nen\u00ed kryt\u00fd skute\u010dn\u00fdmi dolary, ale jin\u00fdmi kryptom\u011bnami, kter\u00e9 jsou ulo\u017eeny ve smart kontraktech na blockchainu.<\/strong> Vydavatelem je v tomto p\u0159\u00edpad\u011b spole\u010dnost MakerDAO. Jedn\u00e1 se o decentralizovanou autonomn\u00ed organizaci na s\u00edti Ethereum. Mezi nej\u010dast\u011bji pou\u017e\u00edvan\u00e9 kryptom\u011bny pro kryt\u00ed pat\u0159\u00ed USDC nebo ethereum. C\u00edlem tohoto stablecoinu nen\u00ed jen udr\u017eet stabiln\u00ed hodnotu, ale zajistit stabiln\u00ed kryptom\u011bnu bez centr\u00e1ln\u00ed kontroly.<\/p>\n<p><b>Investor v tomto p\u0159\u00edpad\u011b vlo\u017e\u00ed kryptom\u011bnu jako kolater\u00e1l. Na z\u00e1klad\u011b hodnoty kryptom\u011bny se vytvo\u0159\u00ed odpov\u00eddaj\u00edc\u00ed po\u010det DAI. <\/b>V p\u0159\u00edpad\u011b sm\u011bny nebo prodeje vrac\u00ed investor sv\u00e9 DAI a dostane zp\u011bt sv\u016fj kolater\u00e1l. V tomto p\u0159\u00edpad\u011b je nutn\u00e9 po\u010d\u00edtat s mal\u00fdm poplatkem. Pokud hodnota vlo\u017een\u00e9 kryptom\u011bny prudce klesne, syst\u00e9m automaticky zah\u00e1j\u00ed prodej, aby udr\u017eel hodnotu DAI. Stablecoin DAI funguje p\u0159ev\u00e1\u017en\u011b na s\u00edti Ethereum a vyu\u017e\u00edv\u00e1 se v r\u00e1mci DeFi produkt\u016f a obchodov\u00e1n\u00ed s kryptom\u011bnami. Stejn\u011b jako p\u0159edchoz\u00ed stablecoin, i tento p\u0159in\u00e1\u0161\u00ed sv\u00e9 v\u00fdhody i nev\u00fdhody.<\/p>\n<figure id=\"attachment_5985\" aria-describedby=\"caption-attachment-5985\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5985\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Stablecoiny-kryte-kryptomenou-1024x476.png\" alt=\"Stablecoiny kryt\u00e9 kryptom\u011bnou\" width=\"800\" height=\"372\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Stablecoiny-kryte-kryptomenou-1024x476.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Stablecoiny-kryte-kryptomenou-300x140.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Stablecoiny-kryte-kryptomenou-768x357.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Stablecoiny-kryte-kryptomenou.png 1354w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5985\" class=\"wp-caption-text\">Stablecoiny kryt\u00e9 kryptom\u011bnou. Zdroj: Coin 98<\/figcaption><\/figure>\n<h2>Rizika stablecoin\u016f<\/h2>\n<p>P\u0159esto\u017ee jsou stablecoiny vytvo\u0159eny p\u0159edev\u0161\u00edm, aby dr\u017eely stabiln\u00ed hodnotu, tak\u00e9 s sebou p\u0159in\u00e1\u0161\u00ed ur\u010dit\u00e1 rizika. M\u00edra rizikovosti z\u00e1vis\u00ed na zp\u016fsobu kryt\u00ed, d\u016fv\u011bryhodnosti vydavatele a dal\u0161\u00edch technologick\u00fdch parametrech. <strong>N\u00ed\u017ee uv\u00e1d\u00edme rizikovost jednotliv\u00fdch typ\u016f a dal\u0161\u00ed spole\u010dn\u00e9 body, kter\u00e9 mohou ovlivnit bezpe\u010dnost va\u0161\u00ed investice.<\/strong><\/p>\n<p><strong>Rizikovost podle typu kryt\u00ed:<\/strong><\/p>\n<ul>\n<li><strong>Stablecoiny kryt\u00e9 fiat m\u011bnou<\/strong> \u2013 Tento typ p\u0159in\u00e1\u0161\u00ed rizika v oblasti centralizace. Investo\u0159i mus\u00ed v\u011b\u0159it spole\u010dnostem, \u017ee maj\u00ed dostatek aktiv. Rezervy jsou tak\u00e9 \u010dasto ulo\u017eeny v bank\u00e1ch a prost\u0159edky tak p\u0159i krachu mohou b\u00fdt ohro\u017eeny. Vydavatel nav\u00edc m\u016f\u017ee zmrazit nebo blokovat transakce, p\u0159in\u00e1\u0161\u00ed mo\u017en\u00e1 omezen\u00ed.<\/li>\n<li><strong>Stablecoiny kryt\u00e9 kryptom\u011bnou<\/strong> \u2013 Typ stablecoin\u016f, kter\u00e9 jsou kryt\u00e9 kryptom\u011bnou, jsou n\u00e1chyln\u00e9 zejm\u00e9na z d\u016fvodu kol\u00eds\u00e1n\u00ed hodnoty kolater\u00e1lu. Pokud jeho hodnota v\u00fdrazn\u011b klesne, syst\u00e9m je nucen je automaticky prodat, aby udr\u017eel stabiln\u00ed cenu. Dal\u0161\u00edm rizikem jsou online \u00fatoky nebo jin\u00e9 technologick\u00e9 chyby, kter\u00e9 mohou ohrozit prost\u0159edky investor\u016f.<\/li>\n<li><strong>Stablecoiny poh\u00e1n\u011bn\u00e9 algoritmem<\/strong> \u2013 V tomto p\u0159\u00edpad\u011b hroz\u00ed kolaps p\u0159i ztr\u00e1t\u011b d\u016fv\u011bry investor\u016f. Z\u00e1rove\u0148 je tento typ stablecoin\u016f z\u00e1visl\u00fd na trhu. Pro jeho fungov\u00e1n\u00ed je pot\u0159ebn\u00e1 st\u00e1l\u00e1 popt\u00e1vka a likvidita.<\/li>\n<\/ul>\n<p>Obecnou hrozbou pro stablecoiny je regula\u010dn\u00ed r\u00e1mec, kter\u00fd se teprve postupn\u011b tvo\u0159\u00ed a formuje. Nen\u00ed tak vylou\u010deno, \u017ee n\u011bkter\u00e9 zem\u011b za\u010dnou postupem \u010dasu podm\u00ednky zp\u0159\u00eds\u0148ovat nebo upravovat, co\u017e m\u016f\u017ee znamenat v\u00fdznamn\u00e1 omezen\u00ed pro investory. <strong>Takov\u00e9 z\u00e1sahy nav\u00edc mohou m\u00edt vliv na hodnotu i dostupnost stablecoin\u016f.<\/strong><\/p>\n<p>B\u011bhem krize nav\u00edc m\u016f\u017ee doj\u00edt k nedostatku likvidity. V d\u016fsledku pot\u00e9 doch\u00e1z\u00ed ke sn\u00ed\u017een\u00ed hodnoty stablecoinu. Dal\u0161\u00edm bodem je d\u016fv\u011bryhodnost a transparentn\u00ed komunikace t\u00fdmu. <strong>Pokud m\u00e1 stablecoin zpracovan\u00e9 audity a pravideln\u011b kontroluje sv\u00e9 rezervy, d\u00e1v\u00e1 t\u00edm jasn\u011b najevo, \u017ee dodr\u017e\u00ed, co sl\u00edbil.<\/strong> V tomto kontextu je d\u016fle\u017eit\u00e1 spr\u00e1vn\u00e1 komunikace vydavatele tak, aby investor v\u011bd\u011bl, co se d\u011bje a m\u011bl p\u0159ehled o situaci.<\/p>\n<figure id=\"attachment_5988\" aria-describedby=\"caption-attachment-5988\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5988\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Rizika-stablecoinu-1024x547.png\" alt=\"Rizika stablecoin\u016f\" width=\"800\" height=\"427\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Rizika-stablecoinu-1024x547.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Rizika-stablecoinu-300x160.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Rizika-stablecoinu-768x410.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Rizika-stablecoinu-1536x821.png 1536w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Rizika-stablecoinu.png 1942w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5988\" class=\"wp-caption-text\">Rizika stablecoin\u016f. Zdroj: Navigator Insuracne<\/figcaption><\/figure>\n<h3>Kolaps TerraUSD\/Luna<\/h3>\n<p>Pr\u00e1v\u011b tento p\u00e1d v roce 2022 pat\u0159\u00ed k nejv\u011bt\u0161\u00edm finan\u010dn\u00edm kolaps\u016fm v historii kryptom\u011bn. D\u00edky tomuto incidentu se potvrdilo, jak rizikov\u00e9 mohou b\u00fdt algoritmick\u00e9 stablecoiny. <strong>Vzhledem k tomu, \u017ee stablecoiny poh\u00e1n\u011bn\u00e9 algoritmem nejsou kryty re\u00e1ln\u00fdm aktivem, hroz\u00ed v\u00fdrazn\u00fd pokles p\u0159i ztr\u00e1t\u011b d\u016fv\u011bry investor\u016f.<\/strong> P\u0159esn\u011b to se tak\u00e9 stalo kryptom\u011bn\u011b TerraUSD\/Luna. Stablecoiny, kter\u00e9 fungovaly v r\u00e1mci ekosyst\u00e9mu Terra byly z\u00e1rove\u0148 propojeny s druh\u00fdm tokenem LUNA.<\/p>\n<p>TerraUSD\/Luna slou\u017eil k udr\u017eov\u00e1n\u00ed 1 UST = 1USD, p\u0159i\u010dem\u017e tato stabilita byla zaji\u0161t\u011bna formou p\u00e1len\u00ed a vyd\u00e1v\u00e1n\u00ed coin\u016f automaticky dle pot\u0159eby. V pr\u016fb\u011bhu kv\u011btna roku 2022 v\u0161ak do\u0161lo k masivn\u00edm v\u00fdprodej\u016fm UST, kter\u00e9 zp\u016fsobily pokles pod 1 USD. Investo\u0159i ztr\u00e1celi d\u016fv\u011bru, \u017ee se projektu poda\u0159\u00ed vr\u00e1tit kurz zp\u011bt.<strong> Pro jeho n\u00e1vrat nav\u00edc musel syst\u00e9m vytvo\u0159it velk\u00e9 mno\u017estv\u00ed token\u016f LUNA, co\u017e zp\u016fsobilo ztr\u00e1tu a\u017e 100 % jeho hodnoty b\u011bhem n\u011bkolika dn\u00ed. <\/strong>Kr\u00e1tce pot\u00e9 n\u00e1sledoval obdobn\u00fd pokles u UST.<\/p>\n<h2>Vyu\u017eit\u00ed stablecoin\u016f<\/h2>\n<p>Stablecoiny pln\u00ed svou prim\u00e1rn\u00ed funkci dr\u017een\u00edm stabiln\u00ed hodnoty. <strong>P\u0159esto v\u0161ak mohou m\u00edt dal\u0161\u00ed zp\u016fsoby vyu\u017eit\u00ed, kter\u00e9 p\u0159in\u00e1\u0161ej\u00ed u\u017eitek i mo\u017en\u00e9 v\u00fdnosy<\/strong>. Mezi \u010dast\u00e9 zp\u016fsoby vyu\u017eit\u00ed pat\u0159\u00ed nap\u0159\u00edklad mezin\u00e1rodn\u00ed platby, DEX burzy nebo slu\u017eby v oblasti DeFi. V\u0161echny tyto prvky si podrobn\u011b pop\u00ed\u0161eme d\u00e1le v n\u00e1sleduj\u00edc\u00ed sekci tohoto pr\u016fvodce.<\/p>\n<figure id=\"attachment_5992\" aria-describedby=\"caption-attachment-5992\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5992\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Moznosti-vyuziti-stablecoinu-1024x555.png\" alt=\"Mo\u017enostivyu\u017eit\u00ed stablecoinu\" width=\"800\" height=\"434\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Moznosti-vyuziti-stablecoinu-1024x555.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Moznosti-vyuziti-stablecoinu-300x163.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Moznosti-vyuziti-stablecoinu-768x416.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Moznosti-vyuziti-stablecoinu.png 1206w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5992\" class=\"wp-caption-text\">Mo\u017enostivyu\u017eit\u00ed stablecoinu. Zdroj: https:\/\/www.checkout.com\/blog\/what-are-stablecoins-and-how-do-they-work<\/figcaption><\/figure>\n<h3>Mezin\u00e1rodn\u00ed platby a p\u0159evody<\/h3>\n<p>Jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch zp\u016fsob\u016f vyu\u017eit\u00ed stablecoin\u016f jsou mezin\u00e1rodn\u00ed platby a p\u0159evody. P\u0159in\u00e1\u0161ej\u00ed rychlej\u0161\u00ed a jednodu\u0161\u0161\u00ed \u0159e\u0161en\u00ed, a to zejm\u00e9na v oblastech, kde nen\u00ed p\u0159\u00edstup k bankovn\u00edmu syst\u00e9mu a platby mohou trvat n\u011bkolik dn\u00ed. <strong>Krom\u011b rychlosti a snadn\u00e9mu p\u0159\u00edstupu nab\u00edz\u00ed stablecoiny i p\u0159\u00edv\u011btivou cenu d\u00edky n\u00edzk\u00fdm poplatk\u016fm za transakce.<\/strong> St\u00e1vaj\u00ed se tak obl\u00edbenou volbou pro investory v t\u011bchto oblastech sv\u011bta, ale i b\u011b\u017en\u011b dostupn\u00fdch destinac\u00edch.<\/p>\n<h3>DeFi (p\u016fj\u010dky, spo\u0159en\u00ed, staking)<\/h3>\n<p>V r\u00e1mci DeFi hraj\u00ed kl\u00ed\u010dovou roli, proto\u017ee nab\u00edzej\u00ed stablecoiny jako stabiln\u00ed prost\u0159edek sm\u011bny v jinak vysoce volatiln\u00edm prost\u0159ed\u00ed. <strong>Oblast DeFi umo\u017e\u0148uje vyu\u017eit\u00ed bankovn\u00edch slu\u017eeb bez p\u0159\u00edtomnosti bank.<\/strong> V\u0161e prob\u00edh\u00e1 v r\u00e1mci smart kontrakt\u016f a blockchain\u016f. Zejm\u00e9na v zem\u00edch s vysokou inflac\u00ed se stablecoiny staly alternativou k lok\u00e1ln\u00ed m\u011bn\u011b. Mnoho investor\u016f je proto vyu\u017e\u00edv\u00e1 jako ochranu proti rychl\u00e9 inflaci. U\u017eivatel\u00e9 mohou vyu\u017e\u00edt nap\u0159\u00edklad:<\/p>\n<ul>\n<li><strong>P\u016fj\u010dky<\/strong> \u2013 U\u017eivatel\u00e9 mohou p\u016fj\u010dit sv\u00e9 stablecoiny a z\u00edsk\u00e1vat tak \u00faroky, nebo si naopak mohou p\u016fj\u010dit\u00a0 sami v p\u0159\u00edpad\u011b, \u017ee vlo\u017e\u00ed kryptom\u011bnu jako kolater\u00e1l.<\/li>\n<li><strong>Spo\u0159en\u00ed<\/strong> \u2013 D\u00edky dr\u017een\u00ed stablecoin\u016f v DeFi protokolech m\u016f\u017eete z\u00edskat \u00faroky, kter\u00e9 b\u00fdvaj\u00ed vy\u0161\u0161\u00ed ne\u017e-li u tradi\u010dn\u00edch bank. V\u00fdnosy vznikaj\u00ed d\u00edky poplatk\u016fm z obchodov\u00e1n\u00ed a jejich v\u00fdhodou je op\u011bt stabilita.<\/li>\n<li><strong>Staking<\/strong> \u2013 N\u011bkter\u00e9 projekty nav\u00edc umo\u017e\u0148uj\u00ed staking stablecoin\u016f. Ten prob\u00edh\u00e1 tak, \u017ee u\u017eivatel uzamkne sv\u00e9 stablecoiny do s\u00edt\u011b a na opl\u00e1tku z\u00edsk\u00e1v\u00e1 odm\u011bny. Staking nav\u00edc pom\u00e1h\u00e1 udr\u017eovat bezpe\u010dnost a stabilitu cel\u00e9 s\u00edt\u011b.<\/li>\n<\/ul>\n<h3>Decentralizovan\u00e9 burzy<\/h3>\n<p>Stablecoiny se hojn\u011b vyu\u017e\u00edvaj\u00ed tak\u00e9 p\u0159i obchodov\u00e1n\u00ed na <a href=\"https:\/\/cryptodnes.bg\/cz\/krypto-burzy\/nejlepsi-decentralizovane-burzy\/\" target=\"_blank\" rel=\"noopener\">top decentralizovan\u00fdch burz\u00e1ch<\/a>. D\u00edky sv\u00e9 stabiln\u00ed hodnot\u011b jsou bezpe\u010dn\u011bj\u0161\u00ed pro obchodov\u00e1n\u00ed na burze. Existuje n\u011bkolik zp\u016fsob\u016f, jak vyu\u017e\u00edt stablecoin na DEX burze. <strong>Jedn\u00edm z nich je sm\u011bna a obchodov\u00e1n\u00ed, p\u0159i kter\u00e9 jsou \u010dast\u00fdm n\u00e1strojem. Vhodn\u00e9 jsou tak\u00e9 pro poskytov\u00e1n\u00ed likvidity, za kter\u00e9 u\u017eivatel\u00e9 z\u00edsk\u00e1vaj\u00ed odm\u011bny z poplatk\u016f.<\/strong> Mezi dal\u0161\u00ed mo\u017enosti pat\u0159\u00ed yield farming nebo hedging. Obl\u00edbenou decentralizovanou burzou je nap\u0159\u00edklad <a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/mexc\" target=\"_blank\" rel=\"nofollow noopener sponsored\">MEXC<\/a>, kter\u00e1 nab\u00edz\u00ed tak\u00e9 u\u017eivatelsk\u00e9 rozhran\u00ed v \u010desk\u00e9m jazyce.<\/p>\n<figure id=\"attachment_5995\" aria-describedby=\"caption-attachment-5995\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5995\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-burza-MEXC-1024x592.png\" alt=\"Decentralizovan\u00e1 burza MEXC\" width=\"800\" height=\"463\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-burza-MEXC-1024x592.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-burza-MEXC-300x173.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-burza-MEXC-768x444.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-burza-MEXC-1536x888.png 1536w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-burza-MEXC.png 1696w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5995\" class=\"wp-caption-text\">Decentralizovan\u00e1 burza MEXC. Zdroj: MEXC<\/figcaption><\/figure>\n<p style=\"text-align: center;\"><a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/mexc\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#ffa10a;border-color:#cc8108;border-radius:0px\" target=\"_blank\" rel=\"nofollow noopener sponsored\"><span style=\"color:#ffffff;padding:0px 24px;font-size:18px;line-height:36px;border-color:#ffbe54;border-radius:0px;text-shadow:0px 0px 0px #ffffff\"> Nav\u0161t\u00edvit MEXC<\/span><\/a><\/p>\n<p style=\"text-align: center;\"><em>Kryptom\u011bny jsou vysoce volatiln\u00ed aktiva a do zna\u010dn\u00e9 m\u00edry neregulov\u00e1na.<\/em><\/p>\n<h2>Kde koupit Stablecoiny?<\/h2>\n<p>Koupit stablecoiny m\u016f\u017eete na centralizovan\u00fdch i decentralizovan\u00fdch burz\u00e1ch. V p\u0159\u00edpad\u011b centralizovan\u00fdch va\u0161e transakce zprost\u0159edkov\u00e1v\u00e1 t\u0159et\u00ed strana a funguj\u00ed obdobn\u011b jako tradi\u010dn\u00ed finan\u010dn\u00ed instituce. Velk\u00fd proces je rychl\u00fd a snadn\u00fd. Sta\u010d\u00ed vytvo\u0159it \u00fa\u010det, poslat na n\u011bj fiat m\u011bnu nebo kryptom\u011bnu a m\u016f\u017eete za\u010d\u00edt obchodovat. <strong>Centralizovan\u00e9 burzy jsou jednoduch\u00e9 a tedy vhodn\u00e9 i pro za\u010d\u00ednaj\u00edc\u00ed investory. Z\u00e1rove\u0148 \u010dasto podporuj\u00ed tak\u00e9 platby kartou a maj\u00ed kvalitn\u00ed z\u00e1kaznickou podporu.<\/strong> Nev\u00fdhodou m\u016f\u017ee b\u00fdt vy\u017eadov\u00e1n\u00ed ov\u011b\u0159en\u00ed identity a men\u0161\u00ed kontrola nad vlastn\u00edmi prost\u0159edky.<\/p>\n<p>Naopak decentralizovan\u00e9 burzy funguj\u00ed bez prost\u0159edn\u00edka a nab\u00edz\u00ed tak v\u011bt\u0161\u00ed anonymitu. V\u0161echny transakce prob\u00edhaj\u00ed p\u0159\u00edmo mezi u\u017eivateli prost\u0159ednictv\u00edm smartt kontrakt\u016f. <strong>V praxi to prob\u00edh\u00e1 tak, \u017ee u\u017eivatel propoj\u00ed svou <a href=\"https:\/\/cryptodnes.bg\/cz\/krypto-penezenky\/\" target=\"_blank\" rel=\"noopener\">krypto pen\u011b\u017eenku<\/a> s DEX a obchoduje p\u0159\u00edmo z n\u00ed bez nutn\u00e9ho vkl\u00e1d\u00e1n\u00ed prost\u0159edk\u016f na burzu.<\/strong> V\u00fdhodou je pln\u00e1 kontrola nad sv\u00fdmi prost\u0159edky, zat\u00edmco mezi nev\u00fdhody m\u016f\u017eeme za\u0159adit ni\u017e\u0161\u00ed likviditu a technicky n\u00e1ro\u010dn\u011bj\u0161\u00ed rozhran\u00ed.<\/p>\n<p>Mezi <strong>obl\u00edben\u00e9 burzy pro obchodov\u00e1n\u00ed<\/strong> se stablecoiny pat\u0159\u00ed:<\/p>\n<ul>\n<li><a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/bitunix\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Bitunix<\/a> \u2013 Modern\u00ed platforma, kter\u00e1 se zam\u011b\u0159uje na spotov\u00e9 i deriv\u00e1tov\u00e9 obchodov\u00e1n\u00ed.<\/li>\n<li><a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/binance\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Binance<\/a> \u2013 Nejv\u011bt\u0161\u00ed centralizovan\u00e1 burza na trhu s podporou Binance earn pro pasivn\u00ed v\u00fdd\u011blek.<\/li>\n<li><a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/okx\" target=\"_blank\" rel=\"nofollow noopener sponsored\">OKX<\/a> \u2013 Kryptom\u011bnov\u00e1 burza, kter\u00e1 p\u0159in\u00e1\u0161\u00ed DeFi prvky a vlastn\u00ed krypto pen\u011b\u017eenku.<\/li>\n<li><a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/kcex\" target=\"_blank\" rel=\"nofollow noopener sponsored\">KCEX<\/a> \u2013 Burza, kter\u00e1 nab\u00edz\u00ed spotov\u00e9 i deriv\u00e1tov\u00e9 obchody v rychl\u00e9m a bezpe\u010dn\u00e9m prost\u0159ed\u00ed.<\/li>\n<li><a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/weex\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Weex<\/a> \u2013 Centralizovan\u00e1 krypto burza s obl\u00edben\u00fdm n\u00e1strojem copy trading.<\/li>\n<\/ul>\n<p><strong>Pro dr\u017een\u00ed stablecoin\u016f m\u016f\u017eeme doporu\u010dit krypto pen\u011b\u017eenku <a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/bestwallettoken\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Best Wallet<\/a>, kter\u00e1 pat\u0159\u00ed mezi nejl\u00e9pe hodnocen\u00e9 pen\u011b\u017eenky na trhu.<\/strong> Vynik\u00e1 p\u0159edev\u0161\u00edm jednoduch\u00fdm a p\u0159ehledn\u00fdm rozhran\u00edm, kter\u00e9 je vhodn\u00e9 i pro za\u010d\u00ednaj\u00edc\u00ed obchodn\u00edky, ale z\u00e1rove\u0148 nab\u00edz\u00ed pokro\u010dil\u00e9 funkce. Podporuje v\u00edce ne\u017e 60 blockchain\u016f a miliony kryptom\u011bn, v\u010detn\u011b stablecoin\u016f.<\/p>\n<figure id=\"attachment_5999\" aria-describedby=\"caption-attachment-5999\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-5999\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-penezenka-Best-Wallet-1024x420.png\" alt=\"Best Wallet krypto pen\u011b\u017eenka\" width=\"800\" height=\"328\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-penezenka-Best-Wallet-1024x420.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-penezenka-Best-Wallet-300x123.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-penezenka-Best-Wallet-768x315.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-penezenka-Best-Wallet-1536x629.png 1536w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Krypto-penezenka-Best-Wallet-2048x839.png 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-5999\" class=\"wp-caption-text\">Best Wallet krypto pen\u011b\u017eenka. Zdroj: Best Wallet<\/figcaption><\/figure>\n<p style=\"text-align: center;\"><a href=\"https:\/\/cryptodnes.bg\/cz\/visit\/bestwallettoken\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#ffa10a;border-color:#cc8108;border-radius:0px\" target=\"_blank\" rel=\"nofollow noopener sponsored\"><span style=\"color:#ffffff;padding:0px 24px;font-size:18px;line-height:36px;border-color:#ffbe54;border-radius:0px;text-shadow:0px 0px 0px #ffffff\"> Nav\u0161t\u00edvit Best Wallet<\/span><\/a><\/p>\n<p style=\"text-align: center;\"><em>Kryptom\u011bny jsou vysoce volatiln\u00ed aktiva a do zna\u010dn\u00e9 m\u00edry neregulov\u00e1na.<\/em><\/p>\n<h2>V\u00fdhody a nev\u00fdhody stablecoin\u016f<\/h2>\n<p>Na z\u00e1v\u011br tohoto pr\u016fvodce si shrneme celkov\u00e9 v\u00fdhody i nev\u00fdhody stablecoin\u016f. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, nejv\u011bt\u0161\u00edm benefitem je jejich stabiln\u00ed hodnota oproti jin\u00fdm kryptom\u011bn\u00e1m. <strong>D\u00edky tomu mohou b\u00fdt v\u00fdhodn\u011bj\u0161\u00ed na obchodov\u00e1n\u00ed i jako uchovatel hodnoty a ochrana p\u0159ed inflac\u00ed. Z\u00e1rove\u0148 nab\u00edz\u00ed rychl\u00e9 a velmi levn\u00e9 transakce, co\u017e ocen\u00ed zejm\u00e9na aktivn\u00ed obchodn\u00edci, kte\u0159\u00ed prov\u00e1d\u011bj\u00ed \u010dast\u00e9 transakce.<\/strong> Naopak mezi nev\u00fdhody m\u016f\u017eeme za\u0159adit nap\u0159\u00edklad riziko zp\u0159\u00edsn\u011bn\u00ed regulac\u00ed, kter\u00e9 by mohly potenci\u00e1ln\u011b ovlivnit jejich v\u00fdvoj i cenu.<\/p>\n<div class=\"su-note\" style=\"border-color:#d1d1d1;border-radius:5px;-moz-border-radius:5px;-webkit-border-radius:5px;\">\n<div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#ebebeb;border-color:#ffffff;color:#333333;border-radius:5px;-moz-border-radius:5px;-webkit-border-radius:5px;\">\n<div class=\"su-row\">\n<div class=\"su-column su-column-size-1-2\">\n<div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p>V\u00fdhody<\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>\u2013 Stabiln\u00ed hodnota<\/p>\n<p>\u2013 Rychl\u00e9 transakce<\/p>\n<p>\u2013 Mezin\u00e1rodn\u00ed dostupnost<\/p>\n<p>\u2013 N\u00edzk\u00e9 poplatky<\/p>\n<p>\u2013 Propojen\u00ed s DeFi<\/p>\n<p>\u2013 Ochrana proti inflaci<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"su-column su-column-size-1-2\">\n<div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p>Nev\u00fdhody<\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>\u2013 Riziko nedostate\u010dn\u00e9ho kryt\u00ed<\/p>\n<p>\u2013 Regulace<\/p>\n<p>\u2013 Nedostate\u010dn\u00e1 transparentnost<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<figure id=\"attachment_6000\" aria-describedby=\"caption-attachment-6000\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-6000\" src=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-1-1024x631.png\" alt=\"Benefity stablecoin\u016f\" width=\"800\" height=\"493\" srcset=\"https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-1-1024x631.png 1024w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-1-300x185.png 300w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-1-768x473.png 768w, https:\/\/cryptodnes.bg\/cz\/wp-content\/uploads\/sites\/7\/2025\/11\/Benefity-stablecoinu-1.png 1392w\" sizes=\"(max-width: 800px) 100vw, 800px\"><figcaption id=\"caption-attachment-6000\" class=\"wp-caption-text\">Benefity stablecoin\u016f. Zdroj: https:\/\/www.forbes.com\/sites\/digital-assets\/article\/what-are-stablecoins-how-to-use-them\/<\/figcaption><\/figure>\n<h2>Z\u00e1v\u011br<\/h2>\n<p>Z tohoto pr\u016fvodce je z\u0159ejm\u00e9, \u017ee stablecoiny hraj\u00ed d\u016fle\u017eitou roli na trhu a maj\u00ed \u0161irok\u00e9 spektrum mo\u017en\u00e9ho vyu\u017eit\u00ed. Pro obchodn\u00edky tak p\u0159edstavuj\u00ed zaj\u00edmavou p\u0159\u00edle\u017eitost a roz\u0161\u00ed\u0159en\u00ed portfolia. <strong>D\u016fle\u017eit\u00e9 je v\u011bd\u011bt, jak stablecoiny funguj\u00ed, jak\u00e9 typy jsou na trhu a \u010d\u00edm jsou charakteristick\u00e9. Nejzn\u00e1m\u011bj\u0161\u00ed stablecoiny jsou v\u00e1z\u00e1ny na americk\u00fd dolar a nab\u00edz\u00ed mo\u017enosti pro obchodov\u00e1n\u00ed na burze nebo v oblasti DeFi.<\/strong> P\u0159esto nezapome\u0148te, \u017ee kryptom\u011bny jsou vysoce volatiln\u00ed a p\u0159ed investov\u00e1n\u00edm prove\u010fte vlastn\u00ed anal\u00fdzu trhu.<\/p>\n<h2>Reference<\/h2>\n<ul>\n<li><a href=\"https:\/\/coin98.net\/what-is-stablecoin\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/coin98.net\/what-is-stablecoin<\/a><\/li>\n<li><a href=\"https:\/\/trustwallet.com\/blog\/crypto-basics\/what-is-stablecoin\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/trustwallet.com\/blog\/crypto-basics\/what-is-stablecoin<\/a><\/li>\n<li><a href=\"https:\/\/www.checkout.com\/blog\/what-are-stablecoins-and-how-do-they-work\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/www.checkout.com\/blog\/what-are-stablecoins-and-how-do-they-work<\/a><\/li>\n<li><a href=\"https:\/\/www.navigator-insurance.com\/en\/blog\/stablecoins-risks-potential-and-regulation-explained\/\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/www.navigator-insurance.com\/en\/blog\/stablecoins-risks-potential-and-regulation-explained\/<\/a><\/li>\n<\/ul>\n<h2>\u010casto kladen\u00e9 ot\u00e1zky<\/h2>\n<div class=\"man_faq_sec\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n\t\t\t\t\t<script>\n\t\t\t\t\tjQuery(document).ready(function() {\n\t\t\t\t\t    jQuery(\".accordionButton\").click(function() {\n\t\t\t\t\t        jQuery(\".accordionButton\").removeClass(\"on\");\n\t\t\t\t\t        jQuery(\".accordionContent\").slideUp(\"normal\");\n\t\t\t\t\t        if(jQuery(this).next().is(\":hidden\") == true) {\n\t\t\t\t\t            jQuery(this).addClass(\"on\");\n\t\t\t\t\t            jQuery(this).next().slideDown(\"normal\");\n\t\t\t\t\t        }\n\t\t\t\t\t    });\n\t\t\t\t\t});\n\t\t\t\t\t<\/script>\n<section class=\"ms_faq ms_card \">\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"accordionButton\">\n<h3 itemprop=\"name\">Co je Stablecoin?<\/h3>\n<\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\">\n<p itemprop=\"text\">Stablecoin je druh kryptom\u011bny, kter\u00e1 c\u00edl\u00ed na udr\u017een\u00ed hodnoty dan\u00e9ho aktiva v pom\u011bru 1:1. Nap\u0159\u00edklad, pokud je Stablecoin v\u00e1z\u00e1n na americk\u00fd dolar, stablecoin se sna\u017e\u00ed, aby pom\u011br odpov\u00eddal 1 USDT = 1 USD. D\u00edky stabilit\u011b, kter\u00e1 je v r\u00e1mci krypto trhu vz\u00e1cn\u00e1, a decentralizovan\u00e9mu prost\u0159ed\u00ed se st\u00e1vaj\u00ed obl\u00edben\u00fdmi aktivy pro dr\u017een\u00ed i obchodov\u00e1n\u00ed. Formou praktick\u00fdch inovativn\u00edch funkc\u00ed nab\u00edz\u00ed dlouhodob\u00fd potenci\u00e1l a mohou b\u00fdt ide\u00e1ln\u00edm dopl\u0148kem va\u0161eho investi\u010dn\u00edho portfolia.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"ms_faq ms_card \">\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"accordionButton\">\n<h3 itemprop=\"name\">Jak\u00e9 v\u00fdhody p\u0159in\u00e1\u0161\u00ed stablecoiny?<\/h3>\n<\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\">\n<p itemprop=\"text\">Tyto kryptom\u011bny p\u0159in\u00e1\u0161ej\u00ed v\u00fdhodu stability, kter\u00e1 m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e1 p\u0159i obchodov\u00e1n\u00ed na burze. Dal\u0161\u00edmi benefity jsou pak levn\u00e9 a rychl\u00e9 transakce, kter\u00e9 tento proces je\u0161t\u011b umoc\u0148uj\u00ed. Pomoc\u00ed stablecoin\u016f nav\u00edc m\u016f\u017eete vyu\u017e\u00edt tak\u00e9 DeFi n\u00e1stroje, jako nap\u0159\u00edklad staking, p\u016fj\u010dky nebo spo\u0159en\u00ed. \u010casto jsou vyu\u017e\u00edv\u00e1ny tak\u00e9 pro mezin\u00e1rodn\u00ed platby.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"ms_faq ms_card \">\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"accordionButton\">\n<h3 itemprop=\"name\">Kde koupit stablecoiny?<\/h3>\n<\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\">\n<p itemprop=\"text\">Stablecoiny lze zakoupit na v\u011bt\u0161in\u011b kryptom\u011bnov\u00fdch burz, a to jak centralizovan\u00fdch, tak decentralizovan\u00fdch. Mezi nej\u010dast\u011bji vyu\u017e\u00edvan\u00e9 platformy pat\u0159\u00ed nap\u0159\u00edklad MEXC, OKX, Binance nebo Weex. Pro jejich bezpe\u010dn\u00e9 uchov\u00e1v\u00e1n\u00ed je vhodn\u00e9 pou\u017e\u00edt kryptom\u011bnovou pen\u011b\u017eenku, nap\u0159\u00edklad Best Wallet, kter\u00e1 kombinuje jednoduch\u00e9 ovl\u00e1d\u00e1n\u00ed s \u0161irokou \u0161k\u00e1lou funkc\u00ed pro spr\u00e1vu digit\u00e1ln\u00edch aktiv.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n[Q3Jak\u00e9 typy stablecoin\u016f jsou na krypto trhu?[\/Q3]\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\">\n<p itemprop=\"text\">Stablecoiny se d\u011bl\u00ed podle zp\u016fsobu kryt\u00ed, a to obvykle na 3 typy. Prvn\u00edm a nejzn\u00e1m\u011bj\u0161\u00edm typem jsou stablecoiny kryt\u00e9 fiat m\u011bnou, co\u017e znamen\u00e1, \u017ee existuj\u00ed rezervy stejn\u00e9 hodnoty v dan\u00e9 m\u011bn\u011b. Dal\u0161\u00edm typem jsou stablecoiny kryt\u00e9 jinou kryptom\u011bnou. V tomto p\u0159\u00edpad\u011b existuje rezerva s ekvivalentn\u00ed hodnotou v ur\u010dit\u00e9 kryptom\u011bn\u011b. T\u0159et\u00ed typ nen\u00ed kryt\u00fd \u017e\u00e1dn\u00fdm re\u00e1ln\u00fdm aktivem a je poh\u00e1n\u011bn algoritmem, kter\u00fd vyd\u00e1v\u00e1 nebo spaluje tokeny dle popt\u00e1vky.<\/p>\n<\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Stablecoin je druh kryptom\u011bny, kter\u00e1 se sna\u017e\u00ed dr\u017eet stabiln\u00ed hodnotu. Narozd\u00edl od klasick\u00fdch kryptom\u011bn, jako jsou nap\u0159\u00edklad bitcoin nebo ethereum tak v\u011bt\u0161inou nezaznamen\u00e1vaj\u00ed tak v\u00fdraznou volatilitu. Z\u00e1rove\u0148 jsou \u010dasto v\u00e1z\u00e1ny na jin\u00e1 aktiva. Jin\u00fdmi slovy se jedn\u00e1 o digit\u00e1ln\u00ed mince ulo\u017een\u00e9 na blockchainu, kter\u00e9 kombinuj\u00ed v\u00fdhody ze sv\u011bta kryptom\u011bn i tradi\u010dn\u00edch finan\u010dn\u00edch trh\u016f. V tomto [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":6003,"parent":6037,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/guide.php","meta":{"_acf_changed":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"class_list":["post-5874","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Co je stablecoin a pro\u010d vznikl?<\/title>\n<meta name=\"description\" content=\"P\u0159e\u010dt\u011bte si v\u00edce o tom, co je stablecoin, jak\u00e9 m\u00e1 vyu\u017eit\u00ed i rizika a kde jej koupit snadno a bezpe\u010dn\u011b. 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