What is MAI? A Deep Dive into MAI Cryptocurrency

In the fast-paced world of crypto, the MAI stablecoin has become a rising star in DeFi thanks to its 0% interest rate model. This MAI Stablecoin User Guide will take you through a comprehensive understanding of how to flexibly use MAI in DeFi, as well as its unique features and applications. Furthermore, we will explore the differences between MAI and other stablecoins, and reveal the simple steps on how to buy MAI cryptocurrency, helping you easily join the decentralized finance revolution.

The core feature of the MAI Stablecoin User Guide lies in its unique 0% interest rate mechanism, which makes it stand out in the decentralized finance ecosystem. As an ERC-20 token running on the Ethereum blockchain, MAI cryptocurrency adopts an open-source and non-custodial stable protocol design, allowing users to efficiently extract value from priced assets. Unlike traditional centralized stablecoins, MAI achieves a truly decentralized operating model, enabling users to participate in minting and management without relying on third-party institutions.

MAI’s features and applications are reflected in its flexible value extraction mechanism. When users lock crypto assets as collateral, they can mint MAI tokens without paying additional interest fees. This innovation breaks the burden of interest payments required by traditional stablecoins and lowers the cost of entering the DeFi ecosystem. As of December 2025, MAI’s fully diluted market cap is $120,194.63, with a total supply of 900 million tokens, and its liquidity characteristics are relatively stable. This structural design is particularly attractive to users seeking low-cost capital efficiency.

The Mai Finance platform provides an intuitive asset locking mechanism, allowing users to easily buy MAI cryptocurrency and practice how to use MAI in DeFi. First, users need to prepare the corresponding collateral assets in a supported wallet, with common collaterals including major cryptocurrencies. After connecting their wallet to the Mai Finance protocol, users can select the type and amount of collateral on the platform, and the system will calculate the amount of MAI that can be minted based on the value of the collateral.

The transparency of the locking process is a key advantage. Users can view collateral ratios, liquidation prices, and risk parameters in real time, maintaining full control over their positions. Unlike the black-box operations of traditional lending platforms, Mai Finance’s decentralized architecture ensures the traceability of every transaction. After minting MAI, users can circulate and use it within the DeFi ecosystem or trade it on exchanges such as Gate. Thanks to the 0% interest rate model, users do not incur additional borrowing costs, and can hold locked assets long-term without worrying about accumulating interest.

How to use MAI in DeFi has become a core focus for an increasing number of participants. MAI stablecoin’s application scenarios in the DeFi ecosystem include liquidity provision, yield farming, and leveraged trading. In liquidity pools, users can pair MAI with other mainstream stablecoins to earn trading fees and liquidity mining rewards by providing liquidity. This strategy is especially suitable for investors seeking passive income, optimizing returns and risk balance through slot allocation.

Yield farming demonstrates the practical value of MAI cryptocurrency. Users can deposit tokens in lending protocols that support MAI to earn stable interest income. Since MAI itself does not generate interest, it is in high demand in lending markets, providing depositors with competitive annual yields. Additionally, MAI can be used as a trading pair on decentralized exchanges, where participants can provide MAI pair liquidity for mining, further expanding its use cases. The above applications fully showcase MAI’s important role in the DeFi ecosystem.

The key differences between MAI and other stablecoins are first reflected in governance models. USDT and USDC are issued by centralized institutions such as Tether and Circle, with their value stability relying on institutional credit and asset reserve disclosures. MAI stablecoin, on the other hand, adopts a fully decentralized mechanism driven by smart contracts, requiring no trust in any centralized entity and giving users full control over their assets. This architecture offers greater transparency and security, aligning with the core ideals of blockchain decentralization.

In terms of cost efficiency, MAI’s 0% interest rate model has significant advantages over USDT and USDC. Traditional stablecoins involve reserve management fees, which are ultimately borne by users. MAI has no such burden—after locking assets, users can directly mint stablecoins, reducing the overall cost of participating in DeFi. In market scale comparison, USDT and USDC each hold tens of billions of dollars in market cap and liquidity advantages, while MAI, as an emerging stablecoin, has a relatively smaller market cap but its innovative 0% interest rate mechanism attracts users seeking decentralization and cost efficiency.

This article provides an in-depth exploration of the unique features and applications of MAI cryptocurrency. It analyzes the advantages of the MAI stablecoin in the DeFi ecosystem from the innovative 0% interest rate perspective, and details how to use the Mai Finance platform for minting and trading. The article answers questions about MAI’s applications in yield farming and liquidity mining, and compares it with USDT and USDC stablecoins, making it suitable for users seeking low-cost capital efficiency and full decentralization. Enhanced liquidity and transparency are its core values, making it competitive across multiple domains. Keywords: MAI cryptocurrency, stablecoin, DeFi, 0% interest rate. #MAI#