DAI is a stablecoin that attempts to maintain a stable 1:1 value with the U.S. dollar by locking other crypto assets in contracts every time a new token is minted.
It is managed via a software protocol by MakerDAO – a decentralised autonomous organisation, which means that whenever the tokens are issued or burned, it gets publicly recorded. Apart from being more transparent, the system is also more democratic: regular participants of the token's ecosystem vote on how the DAI software will develop.
Check out this article to choose the most convenient way to buy cryptocurrencies, including DAI.
NB: For DAI transfers, NearPay supports ERC-20 network only. All the funds sent via other networks (e.g. BEP-20 etc.) will be lost forever.