Q&A: the collapse of terra and what it could mean beyond crypto

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Q&A: the collapse of terra and what it could mean beyond crypto
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After the crash of the ‘stablecoin’ sparked panic, could the fall of the wider crypto market lead to a more permanent economic crunch?

The collapse of a multibillion-dollar cryptocurrency called terra has sparked a wave of “fear, uncertainty and doubt” across the sector, leading some, like Coinbase’s chief executive, Brian Armstrong, to suggest the industry is heading for another “crypto winter”.

Then there are stablecoins, the biggest examples of which, such as tether and USD Coin , are effectively the sector’s banks, taking customer deposits, holding them as reserves, and issuing tokens that are supposedly guaranteed to have a fixed value relative to conventional currencies.non-fungible tokens, or NFTs

However, last week the collapse of the terra stablecoin precipitated a much steeper plunge. Unlike larger rivals, terra did not have customer deposits backing it – instead, its stable value of $1 was based on faith in its underlying algorithm, which maintained its value by printing a sister cryptocurrency, luna. But over the course of Monday and Tuesday that faith was shattered, and slipped into a “death spiral”, automatically printing ever more worthless luna, which crashed the price further.

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