DAI / USDS (Sky's stablecoins) are DeFi's reference decentralized dollars. DAI since 2017, USDS added 2024 as the "next-gen" successor. DSR + SSR native savings rates anchor DeFi stablecoin yields.
DAI + USDS
DAI is the original decentralized stablecoin, backed by overcollateralized crypto + tokenized RWA. USDS is the 2024 successor with updated tokenomics — 1:1 convertible with DAI, and adds SSR (USDS Savings Rate).
Verdict
DAI/USDS are the reference decentralized stables. Longest track record + native savings rates = essential DeFi infrastructure.