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Dai is a decentralized stablecoin built by the MakerDAO platform, operating on the Ethereum blockchain.
Users may deposit predetermined assets as collateral against which they may print the DAI token.
Holders of the DAI tokens can earn the Dai Savings Rate (DSR) by locking them into a special smart contract, which is accessible through Oasis Save, a decentralized trading and lending platform built by MakerDAO.
When users decide to return their printed DAI, they must also pay a stability fee based on interest accrued on the Vault.