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资产抵押模式是以美元、欧元等主权货币作为锚定标的,对比法币 1:1 发行。即每一枚流通的该类稳定币都应当有一美元(或其他锚定标的)作为信用背书,并且可以随时存兑,即数字货币价值挂钩某种价值确定的资产。这相当于法币的加密数字化。目前主流的代表币种有  USDT 、 USDC 、 GUSD 、 TUSD 、 PAX 等。

算法银行模式是以数字货币或其他价值标的作为质押品,通过设置不同质押率来确保价值的稳定币。目前主流的代表币种有  BitCNY 、 BitUSD 、 Dai 等。

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