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Dai (DAI) is a decentralized, collateral-backed stablecoin designed to maintain a 1:1 peg with the U.S. dollar. Unlike centralized stablecoins that rely on fiat reserves held by custodians, Dai is generated through smart contracts on the Ethereum blockchain. This model offers greater transparency and resilience by removing the need for traditional intermediaries.

Dai is issued by the Maker Protocol and governed by MakerDAO, a decentralized autonomous organization composed of MKR token holders. Users generate Dai by locking up collateral assets such as ETH, WBTC, or other approved tokens in Maker Vaults. These positions ensure that every DAI in circulation is fully backed by overcollateralized assets, maintaining the stablecoin’s value regardless of market volatility.

What sets Dai apart is its decentralized nature. It operates entirely on-chain, with governance decisions — such as collateral types, risk parameters, and system upgrades — voted on by the MakerDAO community. 

Dai is priced to mirror the U.S. dollar and trades close to . The current market capitalization is . DAI reached its all-time high of on . There are DAI tokens in circulation, from a total supply of , with a maximum supply of .

You can buy Dai using your credit or debit card directly on Nexo, or explore additional payment options for access. Proceed to the Nexo Exchange to buy DAI.