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RLUSD 瑞波前首席技术官呼吁改革稳定币的展示方式
David Schwartz，XRPL 的主导架构师及瑞波公司的前首席技术官（CTO），对加密货币领域早期关于数字美元表示方式的假设提出了批评。他指出，围绕基于美元的代币进行的初始设计决策忽视了一些显著的区别，导致了一个结构性问题。虽然这一问题在当今的稳定币交易中并不明显，但它对用户的使用体验产生了负面影响。
初始设计中犯了什么错误？
在当时，开发人员认为仅使用“USD”货币代码来代表所有美元稳定币就足够了。人们假设钱包会在内部匹配发行商和货币，然后为用户显示适当的标签。因此，每种资产的通用表示结构被认为是不必要的。
然而，随着去中心化金融（DeFi）的兴起，这一格局已经发生了转变，许多主要发行商都推出了自己的美元代币。用户现在需要在 USDT、USDC 和 RLUSD 等不同缩写之间进行选择，而不仅仅是发送资金。Schwartz 指出，问题的核心在于这些资产如何向用户呈现，而非底层技术本身。
双层表示法能否解决问题？
Schwartz proposed a solution that divides asset representation into two different levels. The first level involves global tags that represent core assets, such as U.S. dollars. The second layer is user-defined tags that allow recipients to choose which issuer's tokens to accept as dollar equivalents based on personal preferences.
In his model, Schwartz expressed his willingness to accept RLUSD, USDT, or USDC as the equivalent of the U.S. dollar. However, other users or businesses can choose a more stringent publisher list in their wallet settings. This approach achieves personalization of the trust mechanism while maintaining consistent perceptions of core assets.
The technical aspects of solving this issue have been addressed through XRP Ledger's line of trust mechanism. This mechanism allows users to clearly define the assets and issuers they are willing to accept. Despite this, due to interface design challenges, this technical solution has not yet made stablecoin payments intuitive and insensitive to a broad user base.
Summary of key points:
- Most current cryptocurrency wallets do not fully consider issuer information.
- Indicates that the problem does not stem from the technical level, but is rooted in user interface design.
- Schwartz believes that unless wallets can learn to process issuer information along with currency codes, stablecoin payments will continue to exist as a complex tool serving a niche user base.
