Stable currency management method

Abstract

The invention provides a stable currency management method, which comprises the following steps: S1, a stable currency service party determines declaration data and submits the declaration data to a stable currency supervisor for auditing; s2, the stable currency supervisor performs risk management evaluation on the stable currency service party in combination with the declaration data, and judges whether the stable currency is approved to appear on the market or not based on an evaluation result, if yes, the stable currency flows into the market, and otherwise, the stable currency is rejected; and S3, the stable currency using party applies for a registered transaction account number to the stable currency supervisor, and stable currency currency transaction is realized through the transaction account number. The method is formed by combining a digital stable currency operation principle proposed by American OCC and other supervision rules, and a stable currency creation process which conforms to the national conditions of China and is about different stages of a stable currency service party, a stable currency supervision party and a stable currency user is constructed; the whole process from application to approval of the stable currency, then from successful approval to flow into the market and to realize currency transaction on the market is realized, and the blank of stable currency management at present is filled.

Description

Technical Field

[0001] The present invention relates to the technical field of digital currency, and specifically relates to a stablecoin management method. Background Art

[0002] With the emergence of Bitcoin, the virtual currency trading market is rapidly entering the vision of investors worldwide. More and more digital currencies have also attracted people's attention. Among them, stablecoins refer to digital currencies with stable value, and their goal as a kind of digital asset is to maintain price stability by anchoring their value to traditional reserve assets. As an important part of the encrypted financial ecosystem, stablecoins account for about 10% of the entire cryptocurrency market value, that is, $124 billion out of $1.3 trillion in assets. More and more people choose to adopt stablecoins such as USD Coin (USDC), Tether (USDT), and BinanceUSD (BUSD) because they can effectively protect investors from the volatility associated with cryptocurrencies.

[0003] Compliant stablecoins usually have a 1:1 binding and pegging relationship with the currency of the issuer's home country. For example, in September 2020, the Office of the Comptroller of the Currency (OCC) of the US Department of the Treasury issued principles for the issuance of compliant stablecoins, including:

[0004] 1. There is a 1:1 fiat reserve. In the United States, this is the US dollar, and in other countries, it is the local fiat currency;

[0005] 2. The reserve can only be the local fiat currency;

[0006] 3. The reserve is all placed in a custodian institution, such as a bank;

[0007] 4. The custodian institution verifies at least daily whether the balance of the reserve account is always equal to or greater than the number of issued and outstanding stablecoins;

[0008] 5. An auditing institution reviews regularly whether the custodian institution and the stablecoin issuer meet the above indicators;

[0009] 6. The custodian bank needs to comply with local regulations such as the Bank Secrecy Act (BSA), Travel Rule, Anti-Money Laundering (AML), Know Your Customer (KYC) and other existing regulations;

[0010] 7. Since stablecoins have high liquidity, the risks will also increase. Both parties need to take appropriate measures to reduce risks. The custodian institution (bank) and the stablecoin issuer formulate contracts to complete the above-mentioned issuance principles. For example, the bank can audit the circulating amount of stablecoins.

[0011] 8. Stablecoins are similar to "Pre-Paid Debit Cards", where you pay first and then consume.

[0012] The above-mentioned working process of stablecoins is derived from the digital stablecoin operation principles proposed by the US OCC, which will become a reference standard for world digital stablecoins. So far, China has not issued stablecoins yet. Therefore, the principles and specific solutions for stablecoin management are still in a blank period. Summary of the Invention

[0013] Aiming at the deficiencies in the prior art, the present invention provides a stablecoin management method to solve the technical problems of large computational amount, low acquisition efficiency and high cost in spectral computational imaging in the prior art.

[0014] The present invention provides a stablecoin management method, including:

[0015] S1. The stablecoin service provider determines the declaration materials and submits the declaration materials to the stablecoin regulatory authority for review;

[0016] S2. The stablecoin regulatory authority conducts a risk management assessment on the stablecoin service provider in combination with the declaration materials, and based on the assessment result, determines whether the stablecoin is approved for listing. If approved, the stablecoin flows into the market; otherwise, it is rejected.

[0017] S3. The stablecoin user applies to the stablecoin regulatory authority for registering a trading account, and realizes the stablecoin currency transaction through the trading account.

[0018] Optionally, the submission of the declaration materials to the stablecoin regulatory authority for review includes:

[0019] The submission of the declaration materials is realized through a data terminal, and the declaration materials at least include:

[0020] The identifier of the stablecoin;

[0021] The total amount of the stablecoin;

[0022] The voucher ID, which is used to represent the unique identifier of the stablecoin service provider;

[0023] The enterprise ID, and the unified social credit code is selected;

[0024] The currency represented by the stablecoin, which is used to represent the represented currency;

[0025] The represented currency value;

[0026] The blockchain ID to which it belongs, used to represent the ID of the chain where the circulation occurs,

[0027] The ID of the source party of the digital certificate, used to record the previous owner of the stablecoin, facilitating the query of the circulation path of the stablecoin;

[0028] The timestamp, used to record the date of obtaining the ownership of the stablecoin;

[0029] The reserve, used as the margin for stabilizing the exchange rate of the stablecoin.

[0030] Optionally, performing risk management assessment on the stablecoin service provider, including:

[0031] The specific method of the risk management assessment is expressed as:

[0032] R = Y 1 A × Y 2 B × Y 3 C

[0033] R represents the risk assessment processing parameter, Y 1 、Y 2 and Y 3 are all preset fixed coefficient factors, A represents the enterprise strength parameter of the stablecoin service provider, and B represents the enterprise output value parameter of the stablecoin service provider;

[0034] And comparing the risk assessment processing parameter R with the preset thresholds T1 and T2, where T1 < T2. When R < T1, generating a Class C credit rating signal, and the Class C credit rating corresponds to the first type of reserve ratio. When T1 ≤ R < T2, generating a Class B credit rating signal, and the Class B credit rating corresponds to the second type of reserve ratio. When T2 ≤ R, generating a Class A credit rating signal, and the Class A credit rating corresponds to the third type of reserve ratio. The stablecoin service provider pays the reserve of the stablecoin according to the reserve ratio corresponding to the credit rating result.

[0035] Optionally, the enterprise output value parameter of the stablecoin service provider includes:

[0036] Obtaining the monthly output value of the stablecoin service provider, marked as YF, and taking the selected monthly output value as the benchmark value, obtaining the monthly output values of the previous 12 months of this benchmark value, and representing the different monthly output values as YFZ i , where i represents different months, i = 1, 2... n, n takes the value of 12, and obtaining the maximum value and the minimum value from the 12 different monthly output values, and respectively marking the maximum value as YFZ imax and the minimum value as YFZ imin ;

[0037] Calculate the weight ratio parameter ZB i :

[0038]

[0039] Using the monthly output value YF and the monthly output value YFZ of the previous 12 months of the benchmark value i According to the time curve, obtain the growth parameter existing between them, and represent this increase parameter as ZZs i , where s = 1, 2... 12, and calculate the growth net value ZZJZ according to the formula i , the growth net value ZZJZ i Is expressed as:

[0040]

[0041] Merge the growth net value ZZJZ i and the weight ratio parameter ZB i Perform a merging process, calculate the enterprise output value parameter B of the stablecoin service provider, and represent the specific method of the enterprise output value parameter B of the stablecoin service provider as:

[0042] B = ZZJZ i × C4 + ZB i × C5

[0043] Among them, both C4 and C5 are fixed coefficient factors.

[0044] Optionally, the approval allows the stablecoin to flow into the market, including:

[0045] It also includes continuously performing a risk assessment on the stablecoin flowing into the market, and the risk assessment formula is expressed as:

[0046]

[0047] Among them, ULM represents the total current circulating market value of the stablecoin, TM represents the total current circulating market value of digital currency assets in the market, UM represents the current issued market value of the stablecoin, and RM represents the reserve amount of the current stablecoin service provider; when the calculation result is less than or equal to 1, it means that the current stablecoin issuance situation is good and the risk situation is small; when the calculation result is greater than 1 and less than 5, it means that there is over-issuance in the current stablecoin issuance, the risk situation is medium, and there is a certain bubble in the cryptocurrency assets; when the calculation result is greater than 5, it means that there is serious over-issuance in the current stablecoin issuance, the risk situation is high, and there is currently a huge bubble in the cryptocurrency assets.

[0048] Optionally, the realization of the stablecoin currency transaction through the trading account includes:

[0049] The currency transaction is based on a cryptocurrency stability protocol and is processed by one or more physical computer processors, which are configured by one or more electronic smart contracts to: receive a request to exchange stablecoins in a wallet in a transaction account for one or more valuable items, the wallet being associated with the request, wherein the request includes an indication of the amount of stablecoins for exchanging the one or more valuable items; determine the value of the one or more valuable items; based on the request, process the exchange of a portion of the amount of stablecoins, the portion of the amount of stablecoins representing the value of the one or more valuable items; and prevent the exchange of the remaining portion of the amount of stablecoins based on determining that the amount of stablecoins exceeds the value of the one or more valuable items.

[0050] Optionally, the implementation of the stablecoin currency transaction through the transaction account further includes:

[0051] For cross-border transactions, based on the trading volume of stablecoins of the target currency type on the blockchain, determine the reserve amount of stablecoins of the target currency type; wherein, multiple currency types of stablecoins are running on the blockchain; the stablecoins are used to achieve cross-border payments based on the multiple currency types on the blockchain; if the reserve amount of stablecoins of the target currency type is less than the fund reserve threshold corresponding to the stablecoins of the target currency type, convert at least a portion of the stablecoins of the designated currency type into stablecoins of the target currency type; wherein, the designated currency type is the currency type whose reserve amount of stablecoins meets the preset conditions.

[0052] Optionally, the implementation of the stablecoin currency transaction through the transaction account further includes:

[0053] For mortgage transactions, one or more physical computer processors receive a mortgage request sent by a user device, the mortgage request including stablecoin mortgage data, evaluation result signature information, a second address, the amount of borrowed stablecoins, and the borrowing time; wherein, the stablecoin mortgage data includes transferring the stablecoins to be mortgaged from the address of the stablecoin user to the mortgage address of the business node; the evaluation result signature information includes the signature of the evaluation node after evaluating the price of the stablecoins, and the second address is the stablecoin receiving address of the stablecoin user; the business node calls the mortgage smart contract in the electronic smart contract, and the mortgage smart contract verifies the mortgage request. After the verification passes, transfer the amount of borrowed stablecoins from the first address to the second address; wherein, the verification of the mortgage request includes the signature verification of the evaluation node, the verification of the mortgage price of the stablecoins and the amount of borrowed stablecoins, and the verification of whether the mortgaged stablecoins are transferred to the mortgage address, and the first address is the creditor's stablecoin address of the business node.

[0054] Optionally, the user equipment sends a stablecoin price evaluation request to the evaluation node, so that the evaluation node conducts a price evaluation on the stablecoin, signs it with its own private key, and sends the evaluation result signed by the private key of the evaluation node to the user equipment; wherein, the evaluation result signature information includes the evaluated price of the stablecoin.

[0055] Compared with the prior art, the present invention has the following beneficial effects:

[0056] It is formed by combining the digital stablecoin operation principles proposed by the US OCC and other regulatory rules, constructs a stablecoin creation process that conforms to China's national conditions for different stages of stablecoin service providers, stablecoin regulators, and stablecoin users, realizes the whole process of stablecoin from application to approval, then from successful approval to entering the market and conducting currency transactions in the market, and fills the gap in the current management of stablecoins. BRIEF DESCRIPTION OF THE DRAWINGS

[0057] The accompanying drawings herein are incorporated into the specification and form a part of this specification, showing embodiments consistent with the present invention, and are used together with the specification to explain the principles of the present invention.

[0058] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the accompanying drawings required for use in the description of the embodiments or the prior art. Obviously, for those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0059] Figure 1 It is a schematic flowchart of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0060] To make the objectives, technical solutions, and advantages of the embodiments of the present application clearer, the following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are some, but not all, of the embodiments of the present application. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present application without creative efforts belong to the scope of protection of the present application. In the embodiments of the present invention, functional units with the same reference numerals have the same and similar structures and functions.

[0061] See Figure 1 , the present invention provides a stablecoin management method, including:

[0062] S1. The stablecoin service provider determines the application materials and submits the application materials to the stablecoin regulator for review;

[0063] S2. The stable coin regulator combines the declaration materials to conduct a risk management assessment on the stable coin service provider, and determines whether to approve the listing of the stable coin based on the assessment results. If approved, the stable coin will flow into the market; otherwise, it will be rejected.

[0064] S3. The stable coin user applies to the stable coin regulator for registering a trading account, and conducts the stable coin transactions through the trading account.

[0065] In this embodiment, the stable coin service provider is mainly the issuer of the stable coin and the service provider of digital currency; the stable coin regulator is mainly the auditing institution and regulatory institution of the stable coin, which is used to approve the stable coin and maintain the non-overissue of the stable coin; the stable coin user is mainly the individuals and enterprises participating in the use of the stable coin. The holder of the stable coin obtains a corresponding digital certificate indicating the ownership of the stable coin. The transactions of the stable coin are realized through the verification, generation and invalidation of the digital certificates on the blockchain. The nodes on the blockchain complete the generation, verification and invalidation of the digital certificates. The nodes on the blockchain maintain a list of invalid certificate IDs, which is used to record the digital certificates that are invalid due to loss or being spent, and is also used to verify the validity of the digital certificates.

[0066] In another embodiment, the submission of the declaration materials to the stable coin regulator for review includes:

[0067] The submission of the declaration materials is realized through the data terminal, and the declaration materials at least include:

[0068] The identifier of the stable coin;

[0069] The total amount of the stable coin;

[0070] The voucher ID, which is used to represent the unique identifier of the stable coin service provider;

[0071] The enterprise ID, and the unified social credit code is selected;

[0072] The currency represented by the stable coin, which is used to indicate the represented currency;

[0073] The represented currency value;

[0074] The blockchain ID to which it belongs, which is used to represent the ID of the chain where it circulates,

[0075] The digital certificate source party ID, which is used to record the previous owner of the stable coin, facilitating the query of the circulation path of the stable coin;

[0076] The timestamp, which is used to record the date when the ownership of the stable coin is obtained;

[0077] The reserve fund, which is the margin for stabilizing the exchange rate of the stable coin.

[0078] The above application materials correspond to a type of stablecoin. Its voucher ID is used as the only application identification identifier for distinction. At the same time, there are also corresponding digital vouchers for the stablecoin regulatory party and the stablecoin user. The enterprise or individual among the stablecoin users obtains the stablecoin by applying for loans or savings from the stablecoin service provider, resulting in the transfer of the ownership of the stablecoin. After receiving the application for loan or savings, the stablecoin service provider generates digital vouchers with different identities according to different roles, that is, enterprise digital vouchers and individual digital vouchers will be generated for enterprises and individuals respectively.

[0079] In another embodiment, the risk management assessment of the stablecoin service provider includes:

[0080] The specific method of the risk management assessment is expressed as:

[0081] R = Y 1 A × Y 2 B × Y 3 C

[0082] R represents the risk assessment processing parameter, Y 1 、Y 2 and Y 3 are all preset fixed coefficient factors. A represents the enterprise strength parameter of the stablecoin service provider, and B represents the enterprise output value parameter of the stablecoin service provider;

[0083] And the risk assessment processing parameter R is compared with the preset thresholds T1 and T2, where T1 < T2. When R < T1, a Class C credit rating signal is generated, and the Class C credit rating corresponds to the first-class reserve ratio. When T1 ≤ R < T2, a Class B credit rating signal is generated, and the Class B credit rating corresponds to the second-class reserve ratio. When T2 ≤ R, a Class A credit rating signal is generated, and the Class A credit rating corresponds to the third-class reserve ratio. The stablecoin service provider pays the reserves of the stablecoin according to the reserve ratio corresponding to the credit rating result.

[0084] The specific method of the enterprise strength parameter A of the stablecoin service provider is expressed as:

[0085] A = AG × C1 + BG × C2 + CG × C3

[0086] AG represents the number of employees of the stablecoin service provider, BG represents the scale of high-level talents of the stablecoin service provider, CG represents the stablecoin application volume of the stablecoin service provider, and C1, C2, and C3 are all preset fixed coefficient factors.

[0087] 5. The stablecoin management method according to claim 3, wherein the enterprise output value parameter of the stablecoin service provider includes:

[0088] Obtain the monthly output value of the stablecoin service provider, denoted as YF, and taking the selected monthly output value as the reference value, obtain the monthly output values of the previous 12 months of this reference value, and represent the different monthly output values as YFZ i , where i represents different months, i = 1, 2...n, n takes the value of 12, and obtain the maximum value and the minimum value from the 12 different monthly output values, and mark the maximum value as YFZ imax , and mark the minimum value as YFZ imin ;

[0089] Calculate the weight ratio parameter ZB i :

[0090]

[0091] Based on the monthly output value YF and the monthly output values YFZ of the previous 12 months of the reference value i According to the time curve, obtain the growth parameter existing between them, and represent this increase parameter as ZZs i , where s = 1, 2...12, and calculate the growth net value ZZJZ according to the formula i , the growth net value ZZJZ i is expressed as:

[0092]

[0093] Merge the growth net value ZZJZ i and the weight ratio parameter ZB i for combined processing, calculate the enterprise output value parameter B of the stablecoin service provider, and represent the specific method of the enterprise output value parameter B of the stablecoin service provider as:

[0094] B = ZZJZ i ×C4 + ZB i ×C5

[0095] where C4 and C5 are both fixed coefficient factors.

[0096] The entity conducting the risk management assessment is usually the regulatory entity. It first needs to collect the reputation information and risk information of the stablecoin service provider. Therefore, a risk assessment is required. Based on the assessment results, corresponding ratings are assigned and corresponding reserve funds are paid. This enables stablecoin service providers with better reputations to pay a lower reserve fund, while those with lower reputations need to pay a higher reserve fund, thus achieving a credit assessment of stablecoin service providers. Among them, the reserve ratio can also vary according to their reputation values. After paying the reserve funds, the stablecoin issuer can issue stablecoins according to the reserve ratio. Users need to purchase stablecoins with fiat currency. The auditing entity needs to audit the issuance situation of stablecoins every day and report it to the regulatory entity. The regulatory entity conducts supervision based on the amount of reserve funds paid and the reserve ratio. If the issued stablecoins exceed the reserve ratio, the regulatory entity requires the stablecoin issuer to supplement the payment of reserve funds and temporarily suspend the issuance of stablecoins. If the stablecoin issuer fails to supplement the reserve funds within a certain period (such as 7 days), certain penalties will be imposed (such as reducing its reserve ratio, imposing additional fines, or suspending its stablecoin issuance).

[0097] In another embodiment, the approval for the stablecoins to enter the market includes:

[0098] It also includes continuously conducting a risk assessment on the stablecoins entering the market. The risk assessment formula is expressed as:

[0099]

[0100] Where ULM represents the total current circulating market value of stablecoins, TM represents the total current circulating market value of digital currency assets in the market, UM represents the currently issued market value of stablecoins, and RM represents the amount of reserve funds of the current stablecoin service provider; when the calculation result is less than or equal to 1, it indicates that the current stablecoin issuance situation is good and the risk situation is small; when the calculation result is greater than 1 and less than 5, it indicates that there is over-issuance in the current stablecoin issuance, the risk situation is medium, and there is a certain bubble in the cryptocurrency assets; when the calculation result is greater than 5, it indicates that there is serious over-issuance in the current stablecoin issuance, the risk situation is high, and there is currently a huge bubble in the cryptocurrency assets.

[0101] To further ensure the value and circulation stability of stablecoins, the regulatory entity also needs to conduct real-time monitoring, use the risk assessment formula to evaluate the current risk situation, avoid over-issuance and excessive issuance of stablecoins, and maintain the stability of the financial attributes of stablecoins.

[0102] In another embodiment, for cross-border transactions, the reserve amount of the stablecoin of the target currency type is determined according to the trading volume of the stablecoin of the target currency type on the blockchain; wherein, multiple currency types of stablecoins are running on the blockchain; the stablecoin is used to achieve cross-border payments based on the multiple currency types on the blockchain; if the reserve amount of the stablecoin of the target currency type is less than the fund reserve threshold corresponding to the stablecoin of the target currency type, at least a part of the stablecoins of the designated currency type will be converted into the stablecoins of the target currency type; wherein, the designated currency type is the currency type whose reserve amount of the stablecoin meets the preset conditions.

[0103] This method can calculate the reserve amount of the stablecoin of each currency type on the blockchain in real time, and when the reserve amount of the stablecoin of the target currency type is less than the fund reserve amount threshold, a part of the stablecoins of the designated currency type with a larger reserve amount of the stablecoin will be converted into the stablecoins of the target currency type, so that the reserve amounts of the stablecoins of each currency type on the blockchain reach a supply-demand equilibrium state, ensuring the stable operation of the blockchain system.

[0104] In another embodiment, the implementation of the stablecoin currency transaction through the trading account further includes:

[0105] Collateral transaction, one or more physical computer processors receive a collateral request sent by a user device, and the collateral request includes stablecoin collateral data, evaluation result signature information, a second address, the amount of borrowed stablecoin, and the borrowing time; wherein, the stablecoin collateral data includes transferring the stablecoin to be collateralized from the address of the stablecoin user to the collateral address of the business node; the evaluation result signature information includes the signature of the evaluation node after evaluating the price of the stablecoin, and the second address is the stablecoin receiving address of the stablecoin user; the business node calls the collateral smart contract in the electronic smart contract, and the collateral smart contract verifies the collateral request. After passing the verification, the amount of the borrowed stablecoin is transferred from the first address to the second address; wherein, the verification of the collateral request includes the signature verification of the evaluation node, the verification of the collateral price of the stablecoin and the amount of the borrowed stablecoin, and the verification of whether the collateralized stablecoin is transferred to the collateral address, and the first address is the creditor's stablecoin address of the business node.

[0106] Users can collateralize multiple different types of stablecoins to borrow stablecoins; when the price of the collateralized stablecoin fluctuates and the price of the collateralized stablecoin is lower than the price of the borrowed stablecoin, the collateralized stablecoin will be locked and in an unlocked state.

[0107] In another embodiment, the collateral transaction further includes:

[0108] The user device sends a stablecoin price evaluation request to the evaluation node, so that the evaluation node conducts a price evaluation on the stablecoin, signs it with its own private key, and sends the evaluation result signed by the private key of the evaluation node to the user device; wherein, the evaluation result signature information includes the evaluated price of the stablecoin.

[0109] The evaluation node can be evaluated by a professional evaluation structure. After the evaluation, the evaluation report is signed with the private key of the evaluation institution and sent to the blockchain address of the user.

[0110] It should be noted that in this article, relational terms such as "first" and "second" are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the term "comprising", "including" or any other variant thereof is intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements not only includes those elements, but also includes other elements not expressly listed, or elements inherent to such process, method, article or device. Without further limitation, an element defined by the statement "comprising an..." does not exclude the existence of additional identical elements in the process, method, article or device comprising the element.

[0111] The above are only specific embodiments of the present invention, enabling those skilled in the art to understand or implement the present invention. Various modifications to these embodiments will be obvious to those skilled in the art, and the general principles defined herein can be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to these embodiments shown herein, but rather to the widest scope consistent with the principles and novel features claimed herein.

Claims

1. A stablecoin management method, characterized in that, it includes: S1. The stablecoin service provider determines the declaration materials and submits the declaration materials to the stablecoin regulatory authority for review; S2. The stablecoin regulatory authority conducts a risk management assessment on the stablecoin service provider in combination with the declaration materials, and judges whether the stablecoin is approved for listing based on the assessment results. If approved, the stablecoin flows into the market; otherwise, it is rejected; S3. The user of the stablecoin applies to the stablecoin regulatory authority for registering a trading account, and realizes the currency transaction of the stablecoin through the trading account.

2. The stablecoin management method according to claim 1, characterized in that, the submitting the declaration materials to the stablecoin regulatory authority for review includes: the submission of the declaration materials is realized through a data terminal, and the declaration materials at least include: the identifier of the stablecoin; the total amount of the stablecoin; the voucher ID, which is used to represent the unique identifier of the stablecoin service provider; the enterprise ID, and the unified social credit code is selected; the currency represented by the stablecoin, which is used to indicate the represented currency; the represented currency value; the blockchain ID to which it belongs, which is used to indicate the ID of the chain where it circulates, the ID of the digital voucher source party, which is used to record the previous owner of the stablecoin and facilitate querying the circulation path of the stablecoin; the timestamp, which is used to record the date of obtaining the ownership of the stablecoin; the reserve fund, which is the margin for stabilizing the exchange rate of the stablecoin.

3. The stablecoin management method according to claim 2, characterized in that, the conducting a risk management assessment on the stablecoin service provider includes: the specific method of the risk management assessment is expressed as: R = Y 1 A × Y 2 B × Y 3 C R represents the risk assessment processing parameter, Y 1 , Y 2 and Y 3 are all preset fixed coefficient factors. A represents the enterprise strength parameter of the stablecoin service provider, and B represents the enterprise output value parameter of the stablecoin service provider; comparing the risk assessment processing parameter R with the preset thresholds T1 and T2, where T1 < T2. When R < T1, a Class C credit rating signal is generated, and the Class C credit rating corresponds to the first-class reserve ratio. When T1 ≤ R < T2, a Class B credit rating signal is generated, and the Class B credit rating corresponds to the second-class reserve ratio. When T2 ≤ R, a Class A credit rating signal is generated, and the Class A credit rating corresponds to the third-class reserve ratio. The stablecoin service provider pays the reserve fund of the stablecoin according to the reserve ratio corresponding to the credit rating result.

4. The stablecoin management method according to claim 3, characterized in that, the enterprise strength parameters of the stablecoin service provider include: the specific method of expressing the enterprise strength parameter A of the stablecoin service provider is: A = AG×C1 + BG×C2 + CG×C3 AG represents the number of employees of the stablecoin service provider, BG represents the scale of high-level talents of the stablecoin service provider, CG represents the stablecoin application volume of the stablecoin service provider, and C1, C2, and C3 are all preset fixed coefficient factors.

5. The stablecoin management method according to claim 3, characterized in that, the enterprise output value parameters of the stablecoin service provider include: Obtain the monthly output value of the stablecoin service provider, marked as YF, and use the selected monthly output value as the benchmark value. Obtain the monthly output values for the 12 months prior to this benchmark value, and represent the different monthly output values as YFZ i , where i represents different months, i = 1, 2...n, n takes the value of 12, and obtain the maximum and minimum values from the 12 different monthly output values, and mark the maximum value as YFZ imax , and mark the minimum value as YFZ imin ; Calculate the weight ratio parameter ZB i : Taking the monthly output value YF and the monthly output value YFZ of the previous 12 months of the reference value i According to the time curve, obtain the growth parameter existing between them, and represent this increase parameter as ZZs i , where s = 1, 2... 12, and calculate the growth net value ZZJZ according to the formula i , the growth net value ZZJZ i is expressed as: Merge the net growth value ZZJZ i and the weight ratio parameter ZB i to perform a merging process, and calculate the enterprise output value parameter B of the stablecoin service provider. The specific method for the enterprise output value parameter B of the stablecoin service provider is expressed as: B = ZZJZ i × C4 + ZB i × C5 wherein, C4 and C5 are both fixed coefficient factors.

6. The stablecoin management method according to claim 5, characterized in that, the if approved, the stablecoin flows into the market includes: continuously conducting a risk assessment on the stablecoin flowing into the market, and the risk assessment formula is expressed as: Where ULM represents the total current circulating market value of stablecoins, TM represents the total current circulating market value of digital currency assets in the market, UM represents the issued market value of current stablecoins, and RM represents the reserve amount of the current stablecoin service provider; when the calculation result is less than or equal to 1, it means that the current stablecoin issuance situation is good and the risk situation is small; when the calculation result is greater than 1 and less than 5, it means that there is over-issuance in the current stablecoin issuance, the risk situation is medium, and there is a certain bubble in cryptocurrency assets; when the calculation result is greater than 5, it means that there is serious over-issuance in the current stablecoin issuance, the risk situation is high, and there is a huge bubble in cryptocurrency assets currently.

7. The stablecoin management method according to claim 6, characterized in that the realization of the stablecoin currency transaction through the trading account includes: The currency transaction is based on a cryptocurrency stability protocol and is processed by one or more physical computer processors, and the one or more physical computer processors are configured by the one or more electronic smart contracts to: receive a request to exchange stablecoins in a wallet in a trading account for one or more valuable items, the wallet being associated with the request, wherein the request includes an indication of the amount of the stablecoins for exchanging the one or more valuable items; determine the value of the one or more valuable items; based on the request, process the exchange of a portion of the amount of the stablecoins, the portion of the amount of the stablecoins representing the value of the one or more valuable items; and prevent the exchange of the remaining portion of the amount of the stablecoins based on determining that the amount of the stablecoins exceeds the value of the one or more valuable items.

8. The stablecoin management method according to claim 7, characterized in that the realization of the stablecoin currency transaction through the trading account further includes: Cross-border transaction, determining the reserve amount of stablecoins of the target currency type according to the trading volume of stablecoins of the target currency type on the blockchain; wherein, there are stablecoins of multiple currency types running on the blockchain; the stablecoins are used to achieve cross-border payments based on the multiple currency types on the blockchain; if the reserve amount of stablecoins of the target currency type is less than the fund reserve threshold corresponding to the stablecoins of the target currency type, convert at least a portion of the stablecoins of the designated currency type into stablecoins of the target currency type; wherein, the designated currency type is the currency type whose reserve amount of stablecoins meets the preset conditions.

9. The stablecoin management method according to claim 7, characterized in that the realization of the stablecoin currency transaction through the trading account further includes: In a collateral transaction, one or more physical computer processors receive a collateral request sent by a user device. The collateral request includes stablecoin collateral data, evaluation result signature information, a second address, the amount of lent stablecoins, and the lending time. The stablecoin collateral data includes transferring the stablecoins to be collateralized from the address of the stablecoin user to the collateral address of the business node. The evaluation result signature information includes the signature of the evaluation node after evaluating the price of the stablecoin. The second address is the stablecoin receiving address of the stablecoin user. The business node invokes the collateral smart contract in the electronic smart contract. The collateral smart contract verifies the collateral request. After passing the verification, the amount of lent stablecoins is transferred from the first address to the second address. The collateral request verification includes signature verification of the evaluation node, verification of the collateral price of the stablecoin and the amount of lent stablecoins, and verification of whether the collateralized stablecoins are transferred to the collateral address. The first address is the lender's stablecoin address of the business node.

10. The stablecoin management method according to claim 9, characterized in that the collateral transaction further includes: the user device sends a stablecoin price evaluation request to the evaluation node, so that the evaluation node signs with its own private key after evaluating the price of the stablecoin, and sends the evaluation result signed by the private key of the evaluation node to the user device. The evaluation price of the stablecoin is included in the evaluation result signature information.

Images