Maker is a protocol built on the Ethereum blockchain that operates as a smart contract lending platform. Anyone can lend or borrow without credit checks, using smart contracts and pegged stablecoins. Users simply take out a loan by locking up collateral, in exchange for the Multi-Collateral stablecoin Dai (DAI).
The MKR token lets holders vote on governance issues of the Maker protocol such as Stability Fees and Dai Savings Rate (DSR). Notably, Maker was the first ever Decentralised Autonomous Organisation (DAO). The Maker Foundation was founded in 2015 and the MKR governance token was then launched in 2017.
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A lot of members like to hold onto their Maker in case it increases in value. You can hold your Maker in your Cointree account or transfer it to a private wallet.
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You can use Maker to buy many things online aswell as in physical stores. More businesses are accepting Maker every day.
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