{"id":71,"date":"2026-06-01T09:29:02","date_gmt":"2026-06-01T09:29:02","guid":{"rendered":"https:\/\/worldmoneybusiness.com\/how-stablecoins-work-are-they-safe\/"},"modified":"2026-06-01T16:01:01","modified_gmt":"2026-06-01T16:01:01","slug":"how-stablecoins-work-are-they-safe","status":"publish","type":"post","link":"https:\/\/worldmoneybusiness.com\/de_ch\/how-stablecoins-work-are-they-safe\/","title":{"rendered":"Wie Stablecoins funktionieren und ob sie tats\u00e4chlich sicher sind"},"content":{"rendered":"<p><strong>Stablecoins promise the best of both worlds: the speed and openness of cryptocurrency combined with the price stability of the US dollar.<\/strong> They have grown into a cornerstone of the digital-asset economy, settling trillions of dollars in transactions and serving as the primary trading pair on most exchanges. But the word &#8220;stable&#8221; hides enormous variation in how these coins maintain their value, and history has shown that some are far safer than others. This guide explains how each type of <a href=\"https:\/\/en.wikipedia.org\/wiki\/Stablecoin\" rel=\"nofollow noopener\" target=\"_blank\">stablecoin<\/a> works, what can make it fail, and how to judge whether a given stablecoin is genuinely safe to hold. <span class=\"wmb-inline-rel\">If you are new to this area, our guide on <a href=\"https:\/\/worldmoneybusiness.com\/crypto-staking-explained-proof-of-stake-yield\/\">Crypto Staking Explained: Earning Yield on Proof-of-Stake<\/a> is a useful companion to this article.<\/span><\/p>\n<h2>What Is a Stablecoin?<\/h2>\n<p>A stablecoin is a cryptocurrency designed to maintain a constant value, almost always pegged to a fiat currency such as the US dollar, so that one coin is meant to be worth one dollar at all times. Unlike Bitcoin or Ethereum, whose prices swing dramatically, a stablecoin aims to be boring on purpose.<\/p>\n<p>This stability makes stablecoins useful in ways volatile crypto cannot match. Traders park funds in them between trades without converting back to a bank account. People in countries with high inflation use them to preserve purchasing power. And decentralized finance applications rely on them as a predictable unit of account for lending, borrowing, and payments.<\/p>\n<h2>The Three Main Types of Stablecoins<\/h2>\n<p>Not all stablecoins are built the same way. The mechanism a coin uses to hold its peg determines its risk profile, and understanding these mechanisms is the key to assessing safety.<\/p>\n<h3>1. Fiat-Collateralized Stablecoins<\/h3>\n<p>These are backed one-to-one by reserves of real-world assets held by a company. For every coin in circulation, the issuer claims to hold one dollar, or an equivalent in cash and short-term government securities, in a bank account or custodian.<\/p>\n<p>The model is simple and, when honest, robust. If you hold one coin, you should be able to redeem it for one dollar. The stability depends entirely on the issuer actually holding sufficient high-quality reserves and allowing redemption.<\/p>\n<ul>\n<li><strong>Strengths:<\/strong> straightforward, easy to understand, and stable when fully reserved.<\/li>\n<li><strong>Weaknesses:<\/strong> centralized, requiring you to trust the issuer&#8217;s honesty and the quality of its reserves.<\/li>\n<li><strong>Key question:<\/strong> are the reserves real, liquid, and regularly audited by a reputable firm?<\/li>\n<\/ul>\n<h3>2. Crypto-Collateralized Stablecoins<\/h3>\n<p>These are backed by other cryptocurrencies locked in smart contracts. Because the collateral is itself volatile, these systems require overcollateralization, meaning you must lock up more value in crypto than the stablecoins you mint.<\/p>\n<p>For example, to create 100 dollars of such a stablecoin you might need to deposit 150 dollars of Ethereum. If the collateral&#8217;s value falls toward the amount borrowed, the system automatically liquidates it to keep the stablecoin fully backed. This design is more decentralized but more complex.<\/p>\n<ul>\n<li><strong>Strengths:<\/strong> transparent on-chain collateral and reduced reliance on a single company.<\/li>\n<li><strong>Weaknesses:<\/strong> capital-inefficient and vulnerable during sharp crypto crashes when liquidations cascade.<\/li>\n<\/ul>\n<h3>3. Algorithmic Stablecoins<\/h3>\n<p>These attempt to hold their peg through code and incentives rather than holding equivalent reserves. They expand and contract supply algorithmically, often using a secondary token to absorb volatility, in an effort to keep the price at one dollar.<\/p>\n<p>This is by far the riskiest category. Without real assets backing every coin, the peg depends on continuous market confidence. When confidence breaks, the mechanism can enter a death spiral, and the collapse of a major algorithmic stablecoin in 2022 erased tens of billions of dollars in days, demonstrating the catastrophic failure mode of this design.<\/p>\n<h2>How Stablecoins Maintain Their Peg<\/h2>\n<p>The peg is held through a combination of redemption, arbitrage, and collateral management. Understanding arbitrage is essential because it is the invisible force that keeps well-designed stablecoins near one dollar.<\/p>\n<p>When a fiat-backed coin trades slightly below a dollar, arbitrageurs buy it cheaply and redeem it with the issuer for a full dollar, pocketing the difference and pushing the price back up. When it trades above a dollar, they mint new coins for a dollar and sell them at the premium, pushing the price down. This constant profit-seeking keeps the price anchored, provided redemption actually works.<\/p>\n<p>The critical insight is that a peg is only as strong as the redemption mechanism behind it. If redemption is restricted, slow, or impossible, arbitrage breaks down and the peg can drift or collapse.<\/p>\n<h2>Are Stablecoins Actually Safe? The Real Risks<\/h2>\n<p>Safety is not a yes-or-no property; it is a spectrum that depends on the specific coin and the conditions it faces. Several distinct risks deserve attention.<\/p>\n<h3>Reserve Risk<\/h3>\n<p>For fiat-backed coins, the central question is whether the reserves genuinely exist and are high quality. Cash and short-term government debt are safe; commercial paper, loans, or other crypto are riskier. Investors should demand frequent, independent attestations of reserves, ideally full audits rather than vague assurances.<\/p>\n<h3>Counterparty and Custodial Risk<\/h3>\n<p>Fiat-backed stablecoins hold reserves at banks and custodians. If one of those banks fails, the reserves can be temporarily frozen or impaired. This is not theoretical: a major stablecoin briefly lost its peg in 2023 when a portion of its cash reserves was stuck at a failing bank, recovering only after the funds were guaranteed.<\/p>\n<h3>Regulatory Risk<\/h3>\n<p>Stablecoins sit squarely in the sights of financial regulators worldwide. New rules could require specific reserve compositions, licensing, or redemption guarantees. While regulation can increase safety over time, sudden enforcement actions can also disrupt a coin or its issuer abruptly.<\/p>\n<h3>De-Pegging Risk<\/h3>\n<p>Any stablecoin can temporarily or permanently lose its peg. Temporary de-pegs during market panic often recover; permanent ones, especially for algorithmic coins, can wipe out holders. The depth and quality of backing largely determine which outcome occurs.<\/p>\n<h2>How to Evaluate a Stablecoin Before Using It<\/h2>\n<p>Apply a consistent checklist before trusting any stablecoin with meaningful funds.<\/p>\n<ol>\n<li><strong>What backs it?<\/strong> Prefer coins fully backed by cash and short-term government securities.<\/li>\n<li><strong>Is the backing verified?<\/strong> Look for frequent attestations or audits from reputable accounting firms.<\/li>\n<li><strong>Can you redeem it?<\/strong> A credible, accessible redemption process is the foundation of a durable peg.<\/li>\n<li><strong>How has it behaved in stress?<\/strong> Check whether it held its peg during past market crises.<\/li>\n<li><strong>Who issues it and under what regulation?<\/strong> Transparent, regulated issuers carry less hidden risk.<\/li>\n<\/ol>\n<h2>A Closer Look at Reserve Quality<\/h2>\n<p>For fiat-backed stablecoins, the single most important safety factor is the composition of reserves. Two coins can both claim to be &#8220;fully backed&#8221; while holding completely different assets behind the scenes, and that difference determines how they behave in a crisis.<\/p>\n<h3>The Safest Reserves<\/h3>\n<p>The gold standard is cash held at well-capitalized banks combined with short-term government treasury bills. These instruments are highly liquid, can be sold instantly without loss, and carry minimal default risk. A stablecoin backed predominantly by these assets can meet a wave of redemptions even during market panic.<\/p>\n<h3>Riskier Reserve Components<\/h3>\n<p>Some issuers have historically held commercial paper, corporate bonds, secured loans, or even other cryptocurrencies in their reserves. These assets can be difficult to sell quickly at full value during stress, precisely when redemptions spike. If an issuer must dump illiquid assets at a discount to honor redemptions, the backing can fall below the coins outstanding, threatening the peg.<\/p>\n<h3>Why Attestations Matter<\/h3>\n<p>An attestation is a report in which an accounting firm confirms that reserves existed at a point in time. A full audit goes further, verifying the figures with greater rigor. Neither is a perfect guarantee, but frequent, detailed reporting from a reputable firm dramatically reduces the chance of a hidden shortfall. Stablecoins that publish only vague or infrequent assurances should be treated with caution proportional to the amount you hold.<\/p>\n<h2>Case Studies in Stablecoin Stress<\/h2>\n<p>History is the best teacher in finance, and stablecoins have already produced several instructive episodes worth understanding.<\/p>\n<h3>The Algorithmic Collapse<\/h3>\n<p>In 2022, a large algorithmic stablecoin that relied on a paired token to maintain its peg suffered a crisis of confidence. As holders rushed to exit, the mechanism minted ever more of the paired token, crushing its price and accelerating the panic in a self-reinforcing loop known as a death spiral. Within days the coin fell to a tiny fraction of its intended value, and tens of billions of dollars evaporated. The lesson is stark: a peg sustained only by confidence and code, without real assets behind it, can fail completely and fast.<\/p>\n<h3>The Banking Scare<\/h3>\n<p>In 2023, a leading fiat-backed stablecoin briefly lost its peg when it disclosed that a portion of its cash reserves was held at a bank that suddenly failed. Even though the coin was genuinely backed, the temporary inaccessibility of those funds sparked fear, and the price dipped noticeably before recovering once the deposits were guaranteed. This episode shows that even well-reserved coins carry counterparty risk through the banks that hold their cash.<\/p>\n<h3>The Resilient Performers<\/h3>\n<p>Throughout these crises, the stablecoins that held up best were those with conservative reserves, transparent reporting, and reliable redemption. Their steadiness during turmoil reinforced a simple principle: in a panic, holders flee to the coins they trust most, and that trust is earned through quality and transparency rather than marketing.<\/p>\n<h2>Stablecoins in the Broader Financial System<\/h2>\n<p>Stablecoins are no longer a niche curiosity; they have become critical infrastructure for the digital economy, and their role continues to expand.<\/p>\n<h3>Payments and Remittances<\/h3>\n<p>Because they move across borders in minutes at low cost, stablecoins offer a compelling alternative to traditional remittance channels, which can be slow and expensive. Workers sending money home and businesses settling international invoices increasingly use them to bypass legacy friction.<\/p>\n<h3>Inflation Hedging in Unstable Economies<\/h3>\n<p>In countries experiencing rapid currency devaluation, ordinary people have turned to dollar-pegged stablecoins to protect their savings. Holding a digital dollar can be far more practical than acquiring physical foreign currency, giving stablecoins genuine social utility beyond speculation.<\/p>\n<h3>The Engine of Decentralized Finance<\/h3>\n<p>Within decentralized finance, stablecoins are the lifeblood. They serve as the unit of account for lending markets, the base of liquidity pools, and the medium through which most on-chain value moves. This deep integration also means that a major stablecoin failure could ripple destructively through the entire ecosystem, which is part of why their safety matters far beyond their individual holders.<\/p>\n<h2>Practical Tips for Holding Stablecoins Safely<\/h2>\n<p>If you decide to use stablecoins, a few habits meaningfully reduce your risk exposure.<\/p>\n<ul>\n<li><strong>Diversify across issuers:<\/strong> avoid concentrating all your holdings in a single stablecoin so that one issuer&#8217;s failure does not wipe you out.<\/li>\n<li><strong>Favor transparency:<\/strong> prefer coins with frequent, detailed reserve reporting from credible firms.<\/li>\n<li><strong>Mind the platform:<\/strong> where you hold the coin matters as much as the coin itself, since an exchange or lending platform can fail independently.<\/li>\n<li><strong>Be skeptical of yield:<\/strong> unusually high returns on stablecoins almost always signal hidden risk somewhere in the chain.<\/li>\n<li><strong>Keep amounts appropriate:<\/strong> treat stablecoins as a tool for transactions and short-term holding rather than a guaranteed store of life savings.<\/li>\n<\/ul>\n<h2>The Coming Wave of Regulation<\/h2>\n<p>As stablecoins have grown to settle enormous transaction volumes, regulators around the world have moved to bring them into formal frameworks. The direction of travel is clear even if the details still vary by jurisdiction.<\/p>\n<p>Most proposed and enacted rules focus on a few core requirements: that issuers hold high-quality, fully segregated reserves; that they publish regular, verified reports; that they guarantee redemption at par; and that they obtain appropriate licenses. For holders, well-crafted regulation is largely positive, because it forces the very transparency and reserve quality that distinguish safe coins from dangerous ones.<\/p>\n<p>There is, however, a transition risk. As rules take effect, some existing stablecoins may need to restructure their reserves, restrict certain features, or exit specific markets. Holders should pay attention to how their chosen stablecoins are adapting, since an issuer that struggles to comply could face disruption. The likely long-run outcome is a market dominated by a smaller number of highly transparent, regulated, fully reserved coins, with riskier designs pushed to the margins.<\/p>\n<h2>Central Bank Digital Currencies and the Future<\/h2>\n<p>Looming over the stablecoin landscape is the prospect of central bank digital currencies, or CBDCs, which are digital versions of national currencies issued directly by central banks. These could compete with private stablecoins by offering government-backed digital money with no reserve risk at all.<\/p>\n<p>How this plays out remains uncertain. CBDCs might displace some private stablecoin use, particularly for everyday payments, while private stablecoins could retain advantages in programmability, global reach, and integration with decentralized applications. It is also possible the two coexist, with CBDCs serving retail payments and private stablecoins powering crypto markets and cross-border commerce. For now, holders should simply recognize that the ground beneath stablecoins is still shifting and stay informed.<\/p>\n<h2>Building a Sensible Mental Model<\/h2>\n<p>The most useful way to think about stablecoins is as a spectrum of trust rather than a single category. At one end sit fully reserved, transparently audited, redeemable, regulated coins that behave reliably like digital dollars. At the other end sit experimental designs whose stability depends on confidence and clever code rather than tangible assets.<\/p>\n<p>Your job as a user is to locate any given stablecoin on that spectrum before trusting it, and to size your exposure accordingly. A coin near the safe end is a reasonable tool for transactions and short-term storage; one near the risky end is a speculative bet that can fail abruptly. The label &#8220;stablecoin&#8221; tells you the intention, never the reality, and only investigation reveals the difference.<\/p>\n<p>With that mindset, stablecoins become a powerful and practical tool. Without it, they become a hidden source of risk that has already surprised millions of holders who assumed that &#8220;stable&#8221; meant &#8220;guaranteed.&#8221; Treat the promise as a hypothesis, verify the backing, and you can capture the genuine benefits while sidestepping the worst dangers.<\/p>\n<h2>How Stablecoins Compare to Bank Deposits<\/h2>\n<p>A common misconception is that holding a dollar stablecoin is equivalent to holding dollars in a bank. The two differ in important ways that affect your safety. Bank deposits in many countries are protected by government deposit insurance up to a limit, meaning that even if the bank fails, depositors are made whole within that cap. Stablecoins carry no such guarantee; if the issuer fails or the reserves prove inadequate, holders may face losses with no backstop.<\/p>\n<p>On the other hand, stablecoins offer advantages banks cannot match, including round-the-clock transfers, global accessibility without a bank account, and seamless integration with crypto applications. The right way to view them is as a different instrument with a different risk-and-benefit profile, not as a drop-in replacement for insured deposits. For money you cannot afford to lose, traditional insured accounts remain the safer home; for active participation in digital markets, stablecoins provide functionality no bank account can.<\/p>\n<p>Holding this distinction clearly in mind prevents the dangerous assumption that a stablecoin balance is as safe as a checking account. It is often quite safe with the best issuers, but the safety rests on private reserves and redemption rather than government insurance, and that difference becomes vivid precisely in the rare moments of crisis when it matters most.<\/p>\n<h2>The Bottom Line on Stablecoin Safety<\/h2>\n<p>Stablecoins occupy a vital but frequently misunderstood place in modern finance. Their usefulness for trading, payments, savings protection, and decentralized finance is undeniable, yet their safety is never automatic and always depends on the specifics of design, backing, and governance. The collapses and scares of recent years were not arguments against stablecoins as a concept; they were demonstrations that the type and quality of a stablecoin determine everything. An informed holder who insists on transparency, verifies the backing, diversifies across reputable issuers, and right-sizes their exposure can use stablecoins confidently while remaining protected from the rare failures that punish the careless. In a market that rewards diligence, understanding what truly stands behind a stablecoin is the difference between a reliable digital dollar and an unpleasant surprise.<\/p>\n<h2>Related Reading<\/h2>\n<p>Keep building your knowledge with these related guides:<\/p>\n<ul>\n<li><a href=\"https:\/\/worldmoneybusiness.com\/crypto-staking-explained-proof-of-stake-yield\/\">Crypto Staking Explained: Earning Yield on Proof-of-Stake<\/a><\/li>\n<li><a href=\"https:\/\/worldmoneybusiness.com\/understanding-market-capitalization\/\">Understanding Market Capitalization in Stocks and Crypto<\/a><\/li>\n<li><a href=\"https:\/\/worldmoneybusiness.com\/how-to-analyze-crypto-tokenomics\/\">How to Analyze Crypto Tokenomics Before Investing<\/a><\/li>\n<li><a href=\"https:\/\/worldmoneybusiness.com\/ethereum-and-smart-contracts-how-the-world-computer-is-reshaping-finance\/\">Ethereum and Smart Contracts: How the World Computer Is Reshaping Finance<\/a><\/li>\n<\/ul>\n<h2>Frequently Asked Questions<\/h2>\n<h3>Are stablecoins a safe place to store money?<\/h3>\n<p>Well-designed, fully reserved fiat-backed stablecoins from transparent issuers are relatively safe for short-term holding, but they are not risk-free and are not insured like bank deposits. Algorithmic stablecoins carry far higher risk. Always understand what backs a coin before relying on it.<\/p>\n<h3>Can a stablecoin lose its value?<\/h3>\n<p>Yes. Stablecoins can lose their peg temporarily during market stress or permanently if their backing proves insufficient. The collapse of major algorithmic stablecoins has shown that &#8220;stable&#8221; is a design goal, not a guarantee, so the quality of the backing matters enormously.<\/p>\n<h3>What is the safest type of stablecoin?<\/h3>\n<p>Generally, fiat-collateralized stablecoins fully backed by cash and short-term government securities, issued by transparent and regulated companies that publish regular audits, are considered the safest. Crypto-collateralized coins add decentralization but more complexity, while algorithmic coins are the riskiest.<\/p>\n<h3>Do stablecoins pay interest?<\/h3>\n<p>The coins themselves do not, but many platforms offer yield for lending or depositing stablecoins. Be cautious: high advertised yields usually reflect higher risk, including the risk that the platform fails or that the yield comes from unsustainable sources.<\/p>\n<h3>Why do traders use stablecoins instead of dollars?<\/h3>\n<p>Stablecoins move on blockchains around the clock, settle quickly, and integrate directly with crypto exchanges and decentralized finance applications. This lets traders move in and out of positions without the delays and cutoffs of the traditional banking system.<\/p>\n<h2>Conclusion<\/h2>\n<p>Stablecoins are among the most useful innovations in crypto, but their safety varies dramatically depending on how they are designed and backed. Fully reserved, transparently audited, redeemable fiat-backed coins sit at the safe end of the spectrum, while unbacked algorithmic experiments sit at the dangerous end. The word &#8220;stable&#8221; is a promise the design must keep, not a fact you can take for granted.<\/p>\n<p><strong>Before you rely on any stablecoin,<\/strong> investigate exactly what backs it, confirm that backing is independently verified, and never assume a peg is unbreakable. A few minutes of research can protect you from the rare but devastating failures that have caught millions of holders off guard.<\/p>\n<p><em>Disclaimer: This article is for educational and informational purposes only and does not constitute financial or investment advice. Stablecoins are not bank deposits and are not government insured. They carry risk, including the loss of value. Always do your own research and consult a licensed professional before making financial decisions.<\/em><\/p>\n<p><!-- FAQ Schema --><br \/>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Are stablecoins a safe place to store money?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Well-designed, fully reserved fiat-backed stablecoins from transparent issuers are relatively safe for short-term holding, but they are not risk-free and are not insured like bank deposits. Algorithmic stablecoins carry far higher risk. Always understand what backs a coin before relying on it.\"}},{\"@type\":\"Question\",\"name\":\"Can a stablecoin lose its value?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Stablecoins can lose their peg temporarily during market stress or permanently if their backing proves insufficient. 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Be cautious: high advertised yields usually reflect higher risk, including the risk that the platform fails or that the yield comes from unsustainable sources.\"}},{\"@type\":\"Question\",\"name\":\"Why do traders use stablecoins instead of dollars?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Stablecoins move on blockchains around the clock, settle quickly, and integrate directly with crypto exchanges and decentralized finance applications. This lets traders move in and out of positions without the delays and cutoffs of the traditional banking system.\"}}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wie funktionieren Stablecoins und sind sie sicher? Vergleich von Fiat-gedeckten, krypto-gedeckten und algorithmischen Stablecoins, ihren Risiken und wie man sie bewertet.<\/p>","protected":false},"author":3,"featured_media":70,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"give_campaign_id":0,"footnotes":""},"categories":[4],"tags":[159,104,120,107,160,158],"class_list":["post-71","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency","tag-crypto","tag-cryptocurrency","tag-defi","tag-digital-assets","tag-stablecoin-risks","tag-stablecoins"],"_links":{"self":[{"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/posts\/71","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/comments?post=71"}],"version-history":[{"count":3,"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/posts\/71\/revisions"}],"predecessor-version":[{"id":263,"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/posts\/71\/revisions\/263"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/media\/70"}],"wp:attachment":[{"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/media?parent=71"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/categories?post=71"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/worldmoneybusiness.com\/de_ch\/wp-json\/wp\/v2\/tags?post=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}