usdc usdt usdt转账速度

2023-03-20 09:31:55

⑴ 人民币如何买稳定币

1.稳定币USDT对人民币为什么高溢价？

场外市场OTC用人民币买USDT存在不小的溢价，特别是在3月12日极端行情中，甚至有报价8.35元人民币买一个USDT的15%以上超高溢价，这种溢价主要原因有3方面：

1）流动性需求：当疫情引发恐慌，产生流动性危机，持币者争先恐后把手里的币种抛售，换成稳定和流动性强的USDT,因此爆发对USDT大量需求。

2）衍生品保证金需求：当行情波动巨大，很多衍生品合约的触及平仓线，需要持有者增加USDT保证金，因此对USDT需求暴增。

3）避险功能：很多场外用户，在世界局势动荡中受到惊吓，偏好把手中的法币，换成稳定而且能全世界快速流通的USDT稳定币，主要用于避险和快速流通。

而以上三点，能解释USDT对所有法币的溢价。然而人民币高溢价，则反映中国国内用户对USDT需求特别旺盛：这主要因为国内外汇和资本管制，人民币无法自由兑换。其次是因为中国币民交易活跃度大增：此次金融市场大跌，国内A股和人民币资产相对受影响较小，因此从人民币转入币圈抄底的需求大增

⑵ usdc是什么货币

加密稳定币。
1、Usdt是目前最大的稳定币。然而，虽然usdt是当今最大的稳定货币，但usdc却越来越多地成为市场上首选的稳定货币。尤其是近期，center仅在以太坊上就发行了近65亿美元的USDC，比一年前高出十多倍，这使得USDC成为仅次于USDT的第二大稳定币。
2、以美元为支撑：USDC 是一种以美元为支撑的稳定货币，由受监管的金融机构保留在储备中。代币本身也是由受监管的金融机构发行，每个代币可以兑换一美元。
3、区块链技术支持：由于usdc是通过以太坊网络运行的erc-20通证，不需要通过传统银行渠道。它可以让您在几分钟内将美元转账到世界任何一个角落，而不需要花几天时间，而且所需的成本非常低。
4、虽然比特币在发行时就承诺颠覆银行，但很明显，代币的价格很脆弱，容易出现剧烈波动。加密货币批评人士指出，比特币等加密货币没有实物资产支撑，因此这种以美元为支撑的稳定币应运而生。
拓展资料；
1、Usdc（USD coin）是一种开源的加密稳定货币。它的价值与美元挂钩。 1usdc = 1 美元。 2018年启动，是Centre提供的第一个服务项目，Centre是在创始成员圈和coinbase的帮助下推出的开源技术项目。
2、该代币旨在帮助投资者持有稳定币，并与由 Tether 发行的备受争议的稳定币 usdt 竞争。
3、Usdc 不是第一个，甚至不是最受欢迎的美元稳定货币。这个标题属于系绳。然而，Tether 的财务状况受到了严格的审查。
4、这导致其他美元稳定货币的兴起，其融资和审计过程更加透明。这包括 Gemini USD、真正的 USD、Paxos 和 usdc。
5、与其他竞争对手相比，usdc 可能并非完全独一无二，这就是它在其他加密货币中脱颖而出的原因：
（1）规格：usdc的母公司是一家在美国注册的货币服务公司。这意味着它受政府的金融犯罪执法网络（FinCEN）监管。
（2）审计审计：usdc由全球十大会计师事务所之一的致同会计师事务所审计。
（3）快速：当涉及银行时，向个人和机构汇款可能需要很长时间。 Usdc 以加密货币交易的速度提供美元稳定性和可接受性。
希望能够给到你帮助。

⑶ usdc是什么货币

usdc即USDC，全称为USD Coin，是一种开源的加密稳定币，价值与美元挂钩，1USDC=1美元。它于2018年推出，是 CENTRE 提供的首个服务项目，CENTRE 是在创始成员 Circle 和 Coinbase 的帮助下启动的开源技术项目。

什么是USDC

1、该代币旨在帮助投资者持有稳定币并与USDT（由Tether公司发行的稳定币）竞争，后者是一个饱受争议的稳定币。

2、以美元作支持：USDC 是以美元作为支持的稳定币，由监管下的金融机构保留在储备金中。该代币本身也由监管下的金融机构发行，且每个代币可以兑换一美元。

3、区块链技术支持：因为 USDC 是通过以太坊网络运行的 ERC-20 通证，无需经由传统的银行渠道，它可以让您在数分钟以内将美元转移到世界上的任何角落，无需耗时几天，所需成本也很低。

4、与其他稳定币一样，USDC在算法上与美元的价值挂钩，因此它相对于该货币（美元）而言“稳定”。这使得花费加密货币可以像现金一样容易，对于投资者，也很容易进出加密货币投资。开发团队还致力于扩展与其他区块链的互操作性。

⑷ usdc是什么货币

美元硬币 (USDC) 是一种稳定币 - 一种与现实世界资产价值挂钩的加密货币代币。
USDC：简史
1、2018 年 110 月 _ Circle 宣布推出美元硬币，由 XNUMX 亿美元的风险投资融资
2、2018 年 XNUMX 月 _ 美元硬币正式发行
3、2018 年 5 月 _ 根据 CoinMarketCap 的数据，代币按总市值排名第五
4、2019 年 251 月 _ 该中心发布了一份 Grant Thornton 声明，证明 Circle 为 USDC 持有的 XNUMX 亿美元。
5、2019 年 85 月 _ USDC 在 XNUMX 个国家/地区开放交易。
6、2020 年 10 月 _ DAI 稳定币接受 USDC 作为抵押品。在冠状病毒大流行的最初几天，每天铸造的 USDC 超过 XNUMX 万美元。
7、2020 年 XNUMX 月——随着去中心化金融 (DeFi) 的蓬勃发展，使用量开始腾飞。
8、2020 年 XNUMX 月 _ USDC 与 Algorand 的合作伙伴关系。
9、2020 年 2，6 月——XNUMX 月，USDC 的市值增至 XNUMX 亿美元。 USDC 与 Stellar 和 Solana 合作。
10、2020 年 XNUMX 月 _ 比特币的牛市开始，为 USDC 带来了另一场现金运行。
11、2021 年 4，7 月 - 截至 XNUMX 月，流通量达 XNUMX 亿美元。
拓展资料
一、USDC 有什么特别之处？
1、美元货币既不是第一种也不是最受欢迎的美元支持货币。这个标题属于系链 . 但 Tether 正在对其财务状况进行严格审查。他曾声称每流通一个 Tether 就在银行里存有真实的美元，但纽约总检察长的一项调查使他放弃了这一说法。调查仍在进行中。
这导致其他具有更透明融资和审计流程的美元支持的稳定币增加。这包括 Gemini Dollar、True USD、Paxos 和 US Dollar Coin (USDC)。
2、虽然与这些竞争对手相比，USDC 可能并不完全独特，但它与其他加密货币相比的原因如下：
监管： USDC 的母公司是一家美国注册的货币服务公司。这意味着它受到政府打击洗钱活动的金融犯罪执法网络 (FinCEN) 的监管。
审核： USDC 由全球 10 大会计师事务所之一的致同会计师事务所 (Grant Thornton) 进行审计。
快：当涉及银行时，向个人和机构汇出美元可能需要很长时间。 USDC 以加密货币交易的速度提供美元的稳定性和便利性。

⑸ usdt和usdc有什么区别带你全面分析

说到USDC和USDT，对货币圈有所了解的投资者可能知道，USDC和USDT都是稳定货币，而刚刚进入货币圈的投资者可能只听说过USDT。毕竟USDT是目前最常见的稳定货币，甚至可以说是币圈里使用频率最高的稳定货币，而USDC可以说是USDC近年来流行的稳定货币。对于这类投资者下面我给你全面分析。USDC和USDT一样吗？

在这里，我想告诉你，USDC和USDT是不一样的，尽管USDC和USDT都是稳定币。

1.USDT

USDT是TEDA公司发行的稳定货币，锚定1: 1美元，可以理解为1美元=1USDT。USDT的中文名称是TEDA货币。根据官方网站，USDT目前的流通市值约为154亿美元，是稳定货币中的佼佼者，市场份额超过70%。

USDT最大的问题是不透明。虽然USDT声称每发行一张USDT就要存入银行1美元，但真实情况恐怕只有TEDA知道。一个美国政府机构甚至指出，USDT在某个时期的储备只有70%（即USDT发行了100美元，但实际上把70美元存入了银行）。简而言之，USDT从未公开审计报告，这引起了许多人的怀疑。

2.USDC

USDC由比特大陆、高盛集团、IDG、CICC、光大、网络等投资的Circle公司发行。它是一种完全抵押的稳定美元货币。专业服务公司均富每月都会公开发布Circle发布的USDC财务状况报告。USDC背后的发行公司Circle目前拥有除夏威夷州、英国和欧盟以外的所有州的支付许可证，以及纽约州的BitLicense。是全球加密资产行业牌照数量最多的公司，拥有美元、英镑、欧元进出加密资产的合规渠道。

此外，USDC成为美国比特币基地交易所支持的唯一稳定货币。与USDT相比，USDC更加透明和开放，现在市值排名第二，仅次于USDT。

⑹ usdc和usdt哪个风险小二者面临风险不同

说到USDC和USDT，对货币圈有所了解的投资者可能知道，USDC和USDT都是稳定货币，而刚刚进入货币圈的投资者可能只听说过USDT。毕竟USDT是目前最常见的稳定货币，甚至可以说是币圈里使用频率最高的稳定货币，而USDC可以说是USDC近年来流行的稳定货币。对于这类投资者，USDC和USDT都在下面给大家全面分析。USDC和USDT一样吗？

实际上，可以说对于USDC和USDT哪个风险小有不同的看法。

一。 USDT

USDT的风险一直存在，Tether公司也在Tether白皮书中写道：比特币区块链交易的法定货币令牌：Tether是一种去中心化的数字货币，但我们并不是一家完美的去中心化公司，我们作为中心化的质押方存储所有的资产。

所以USDT作为公司化的产物，可能会出现一些问题，比如公司破产，公司开户的银行破产，银行冻结资金，公司抽回资金，重新集权的风险，整个系统瘫痪。

除了名声之外，USDT还有一个致命的问题，就是基于第一代公链BTC和以太坊开发，传输速度非常慢，严重影响了整个数字货币行业的效率。新稳定币不满以太坊低效的转账速度，开始寻找新一代公链进行合作。

二。USDC

尽管DeFi（去中心化金融）促进了稳定货币的采用，但市场还是尽快接受了USDC。

USDC成为增长最快的稳定货币有很多原因。其中一个主要原因是，市场信任圈和比特币基地适当地发行USDC。因为比特币基地和Circle是市场上非常守法的保守公司。

此外，Circle甚至与美国政府合作，将USDC作为外交政策工具。实际上，美国政府与Circle协调将USDC分配给委内瑞拉的医务人员。这样，他们能够绕开独裁者马杜罗（Maro）控制的传统金融系统。

Circle与比特币基地和美国政府的密切关系向市场传递了信任。这里的想法是，政府不太可能严格监督积极合作的公司。

USDC成为增长最快的稳定货币的另一个原因是USDT最近遇到了信任问题。具体来说，2019年4月，Tether的律师向公众承认，在支持这一数字资产的银行账户中，每发行一枚Tether并没有一美元进行对应。

⑺ Coinbase和Circle的金融帝国野心：USDC

1.法币在哪里？

第一次交易数字货币的朋友们经常问我，如果我买的数字货币涨了或者跌了，要换算成相对应比较稳定的计价单位，应该怎么办呢？大家都明白，我们对于数字货币的计价都是依靠法币来计算的，比如比特币一千人民币一枚，比特币一万人民币一枚，大多数人也都是法币本位者，但是目前人民币的直接法币交易在我国是不被允许的。那么，在做短线操作的时候，应该把自己的比特币，以太坊，莱特币换成什么呢？对的，有一些操作经验的朋友都会说：USDT泰达币。

2.不那么安全的泰达币

泰达币是目前世界上使用最频繁的数字美元，泰达公司其承诺泰达币USDT能1:1兑换美元，我们也将这样的数字货币叫做美元稳定币。但是，我们必须明白，购买泰达币就如同在一家有点危险的银行户头里存钱，因为泰达公司并没有第三方审计其100%的备付金比率。以一个中国人都能明白的例子，我们放在支付宝里的钱事实上不是人民银行发行的人民币，而是支付宝发行的支付宝数字人民币，支付宝公司以委托在人民银行100%的备付金率来确保我们在支付宝里使用的余额是真实有效，能1：1换成足值的人民币。如果所有使用泰达币的用户，都希望把泰达币换算成美元，而泰达公司拿不出足够的美元的话，USDT的信用就会破产，就会与美元脱钩，事实上，USDT不足值的问题随时都有可能爆发。泰达币不安全，我们还是需要寻找新的可以稳定兑换法币的数字货币。

2.USDC

在2018年的8月，纽约金融监管局批准了两个新的美元稳定币，一个是双子星公司发行的GUSD和PAX信托发行的PAX，这两个稳定币都拥有第三方审计公司周期性出具可信报告证明其在第三方银行放入了足额的美元储备以支撑其数字美元稳定币的发行。PAX更是拿到了信托牌照，非常可信。

然而白露认为前两者存在应用范围不广的问题，而USDC不一样。USDC于2018年10月由Cetre公司发行，而Centre公司是由Coinbase和Circle联合投资运营。Coinbase是这个世界上最大的合规数字货币交易所，而Circle有美国的支付宝称号，两个公司都是估值数十亿的独角兽公司。而在他们的推广之下，一批数字货币交易所都已经宣布可以使用USDC交易，其中在Coinbase更是作为独家的数字美元稳定币，美国用户使用美元换成USDC，然后通过Coinbase可以直接提币到币安，库币等交易所来交易其他的比较小市值的数字货币，可以说，一批美国用户使用最多的数字货币交易所都已经可以使用USDC了，USDC在诞生不到半年的时间里已经成为了第二大数字美元稳定币。

3.未来的银行

PAX信托发行PAX只希望收取PAX在银行储备的活期利率作为收入，然而在Coinbase和Circle手里就不是这样了。Circle将自己作为未来的银行。

并拥有用法币投资和支付数字货币的业务。

在数字货币交易，法币的跨境流通以及法币和数字货币流通中，USDC必将产生更深远的影响，正如Centre公司承诺的使命那样：在所有地方，连接每个人、每个商户、每个金融服务、每种货币。

“梅花香自苦寒来”

⑻ usdt与usdc有什么区别

usdc比usdt在合法、透明、安全方面更具有优势。
1、虚拟货币是指在虚拟空间中特定社群内可以购买商品和服务的货币，知名的虚拟货币有比特币、腾讯公司的Q币、盛大公司的点券等等。根据中国人民银行等部门发布的通知和公告，虚拟货币不是货币当局发行的，不具有法偿性和强制性等货币属性，并不是真正意义上的货币，不具有与货币等同的法律地位，不能且不应作为货币在市场上流通使用，公民投资和交易虚拟货币不受法律保护。
2、USDC由比特大陆、高盛集团、IDG、中金公司、光大和网络等投资的Circle公司发布，是一个完全抵押的稳定币，专业服务公司均富会计师事务所(Grant Thornton)将每月公开报告Circle发行的USDC的财务状况。USDC背后发行公司Circle，拥有美国除夏威夷外各州、英国和欧盟的支付牌照以及纽约州BitLicense，拥有美元、英镑、欧元进出加密资产的合规通路。
3、USDT是Tether公司推出的基于稳定价值货币美元(USD)的代币Tether USD(简称USDT)。根据Tether公司关于USDT的介绍，USDT属于加密数字货币之一，可以在钱包、交易平台上进行转账、存储和消费。

⑼ usdc是什么货币最稳定的主流币之一

USDC（USD Coin）诞生于2018年9月。与USDT不同，USDC一诞生就得到很多支持。

USDC是由Circle公司发行的。Circle是世界上拥有加密资产行业许可证数量最多的公司。目前拥有美国（包括纽约州的BitLicense）、英国和欧盟的支付牌照，因此拥有美元、英镑和欧元三种主流货币进出crypto-assets的合规渠道。

值得一提的是，纽约州是美国对数字货币交易监管最严格的州，其BitLicense申请门槛极高，接近银行。Circle是第一家获得BitLicense许可证的加密机构，这也说明了Circle的强大背景。

不仅如此，Circle还获得了IDG资本、光大资本、网络、比特大陆等国际资本的青睐，累计五轮融资，其中比特大陆投资1.1亿美元。

牌照很优秀，很厉害，剩下的就是透明度的问题了。

据了解，专业服务公司均富每月都会公开Circle发布的USDC财务状况报告。独立第三方审计的措施，最大程度的保证了客户的资金安全，解决了目前市场上USDT使用过程中存管账户不透明的痛点。

如果不是USDT更早出台，恐怕稳定货币的水龙头早就易主了。资料显示，今年年初USDC市值仅为5亿美元，短短几个月后飙升至29亿美元，发展迅猛，市值排名一度升至第12位。

虽然USDC有许多优点，但它也不是没有缺点。

USDC基于以太坊ERC20协议发行，一定程度上限制了其应用范围，而USDT不仅基于以太坊发行，还基于波场和比特币网络发行。一旦比特币网络拥堵，用户可以通过波场网络转账，而USDC只能通过以太坊网络转账。

USDC的合规性高于USDT，但对主流交易所的接受度不高。由于许多交易所仍然使用USDT作为法定货币存款渠道，USDT作为基本交易对，因此许多交易所很难避免USDT的垄断，如OKex。

用户习惯问题。由于USDT诞生已久，大部分人还是习惯使用USDT进行交易和转账，对于新的代币也有一定的认知过程。

总之，我认为，尽管面临诸多挑战，USDC挑战USDT并非不可能。毕竟，除了市场，它在各方面都优于USDT。我们将拭目以待USDC未来的发展。

⑴ How to buy stablecoins in RMB

1. Why does the stablecoin USDT have a high premium to the RMB?

There is a considerable premium for using RMB to buy USDT in the OTC market. Especially during the extreme market conditions on March 12, there was even a quote of RMB 8.35 for one USDT, which was a super high premium of more than 15%. There are three main reasons for this premium:

1) Liquidity demand: When the epidemic triggers panic and creates a liquidity crisis, currency holders rush to sell their currencies and exchange them for stability and liquidity. Strong USDT, therefore a large demand for USDT broke out.

2) Derivatives margin demand: When the market fluctuates greatly, many derivatives contracts hit the liquidation line, requiring holders to increase USDT margin, so the demand for USDT surges.

3) Hedging function: Many OTC users are frightened by the turmoil in the world and prefer to exchange their fiat currencies for USDT stablecoins that are stable and can circulate quickly around the world. They are mainly used for Hedging and fast circulation.

The above three points can explain USDT’s premium over all legal currencies. However, the high premium of the RMB reflects the particularly strong demand for USDT from domestic users in China: this is mainly due to domestic foreign exchange and capital controls, and the RMB cannot be freely converted. The second reason is that China’s RMB trading activity has increased significantly: this time the financial market has plummeted, domestic A-shares and RMB assets have been relatively less affected, so the demand to transfer from RMB to the currency circle to buy dips has increased significantly

⑵ What currency is usdc?

Encrypted stable currency.
1. Usdt is currently the largest stable currency. However, while USDT is the largest stablecoin today, USDC is increasingly becoming the preferred stablecoin in the market. Especially recently, Center has issued nearly $6.5 billion in USDC on Ethereum alone, more than ten times higher than a year ago, making USDC the second largest stable currency after USDT.
2. Backed by the US dollar: USDC is a stable currency backed by the US dollar and retained in reserves by regulated financial institutions. The tokens themselves are also issued by regulated financial institutions, and each token is redeemable for one U.S. dollar.
3. Blockchain technology support: Since usdc is an ERC-20 token running through the Ethereum network, it does not need to go through traditional banking channels. It allows you to transfer dollars to any corner of the world in minutes instead of days, and at a very low cost.
4. Although Bitcoin promised to disrupt banks when it was released, it is obvious that the price of the token is fragile and prone to violent fluctuations. Cryptocurrency critics point out that cryptocurrencies such as Bitcoin are not backed by real assets, so this type of U.S. dollar-backed stablecoin came into being.
Extended information;
1. Usdc (USD coin) is an open source encrypted stable currency.Its value is pegged to the U.S. dollar. 1usdc = 1 US dollar. Launched in 2018, it is the first service project provided by Center, an open source technology project launched with the help of the founding member circle and coinbase.
2. The token is designed to help investors hold stablecoins and compete with the controversial stablecoin USDT issued by Tether.
3. Usdc is not the first, or even the most popular, USD stable currency. This title belongs to Tether. However, Tether’s financial situation has come under intense scrutiny.
4. This has led to the rise of other US dollar stable currencies, whose financing and auditing processes are more transparent. This includes Gemini USD, real USD, Paxos and usdc.
5. Compared to other competitors, USDC may not be completely unique, which is why it stands out from other cryptocurrencies:
(1) Specifications: USDC’s parent company is a currency service registered in the United States company. This means it is regulated by the government's Financial Crimes Enforcement Network (FinCEN).
(2) Audit audit: usdc is audited by Grant Thornton Accounting Firm, one of the top ten accounting firms in the world.
(3) Fast: When banks are involved, sending money to individuals and institutions can take a long time. Usdc provides USD stability and acceptability at the speed of cryptocurrency transactions.
Hope it can help you.

⑶ What currency is usdc?

usdc is USDC, the full name is USD Coin. It is an open source encrypted stable currency whose value is pegged to the US dollar, 1USDC=1 US dollar. Launched in 2018, it is the first service offered by CENTRE, an open source technology project launched with the help of founding members Circle and Coinbase.

What is USDC

1. This token is designed to help investors hold stablecoins and interact with USDT (stablecoin issued by Tether) Competition, the latter is a controversial stablecoin.

2. Backed by US dollars: USDC is a stable currency backed by US dollars and is retained in reserves by financial institutions under supervision. The token itself is also issued by a regulated financial institution, and each token is redeemable for one U.S. dollar.

3. Blockchain technology support: Because USDC is an ERC-20 token that runs through the Ethereum network, it allows you to transfer dollars to the world within minutes without going through traditional banking channels. Anywhere on the Internet, it doesn’t take days and the cost is very low.

4. Like other stablecoins, USDC is algorithmically pegged to the value of the U.S. dollar, so it is relative to that currency (the U.S. dollar).Say "stable". This makes spending cryptocurrency as easy as cash and, for investors, easy to get in and out of cryptocurrency investments. The development team is also working on expanding interoperability with other blockchains.

⑷What currency is usdc?

USD Coin (USDC) is a stablecoin - a cryptocurrency token pegged to the value of a real-world asset.
USDC: A Brief History
1. January 2018_ Circle announces the launch of USD Coin, financed by $110 billion in venture capital
2. January 2018_ USD Coin is officially launched
3. May 2018_ The token ranks fifth by total market capitalization according to CoinMarketCap
4, 2019_ The Center releases a Grant Thornton statement certifying Circle’s $251 million holdings for USDC.
May 5, 2019_ USDC is open for trading in 85 countries.
6. October 2020_ DAI stablecoin accepts USDC as collateral. In the early days of the coronavirus pandemic, more than $5 million USDC was minted every day.
July 7, 2020 – As decentralized finance (DeFi) booms, usage is starting to take off.
June 8, 2020_ USDC Partnership with Algorand.
9. From June 2 to 6, 2020, the market value of USDC increased to US$1 billion. USDC partners with Stellar and Solana.
October 10, 2020_ Bitcoin’s bull run begins, leading to another cash run for USDC.
April 11, 2021 - As of April 7, the circulating supply reached $ 7 billion.
Extended information
1. What is special about USDC?
1. The U.S. dollar currency is neither the first nor the most popular U.S. dollar-backed currency. This title belongs to Tether. But Tether is under intense scrutiny of its financial situation. He once claimed that there was real U.S. dollars in banks for every Tether in circulation, but an investigation by the New York attorney general caused him to abandon that claim. The investigation is ongoing.
This has led to an increase in other USD-backed stablecoins with more transparent financing and auditing processes. This includes Gemini Dollar, True USD, Paxos and US Dollar Coin(USDC).
2. While USDC may not be entirely unique compared to these competitors, it compares to other cryptocurrencies for the following reasons:
Regulation: USDC’s parent company is a U.S.-registered money services company. This means it is regulated by the Financial Crimes Enforcement Network (FinCEN), the government’s agency that combats money laundering.
Audit: USDC is audited by Grant Thornton, one of the top 10 accounting firms in the world.
Fast: Sending dollars to individuals and institutions can take a long time when banks are involved. USDC provides the stability and convenience of the U.S. dollar at the speed of cryptocurrency trading.

⑸ What is the difference between usdt and usdc? Let me give you a comprehensive analysis

Speaking of USDC and USDT, investors who are familiar with the currency circle may know that both USDC and USDT It is a stable currency, and investors who have just entered the currency circle may have only heard of USDT. After all, USDT is currently the most common stable currency, and can even be said to be the most frequently used stable currency in the currency circle, while USDC can be said to be the most popular stable currency in recent years. For this type of investors, I will give you a comprehensive analysis below. Are USDC and USDT the same?

Here, I want to tell you that USDC and USDT are different, although USDC and USDT are both stable coins.

1.USDT

USDT is a stable currency issued by TEDA, anchored at 1: 1 USD, which can be understood as 1 USD = 1USDT. The Chinese name of USDT is TEDA currency. According to the official website, the current circulating market value of USDT is approximately US$15.4 billion, making it the leader among stable currencies, with a market share of over 70%.

The biggest problem with USDT is its opacity. Although USDT claims that each USDT issued requires 1 USD to be deposited in the bank, the real situation may only be known to TEDA. One U.S. government agency even pointed out that USDT’s reserves at one point were only 70% (i.e. USDT issued $100, but actually deposited $70 in the bank). In short, USDT has never made its audit report public, which has aroused suspicion among many people.

2.USDC

USDC is issued by Circle, a company invested by Bitmain, Goldman Sachs Group, IDG, CICC, Everbright, Internet and others. It is a fully collateralized stable dollar currency. Professional services firm Grant Thornton publicly releases Circle’s USDC financial status report every month. Circle, the issuing company behind USDC, currently holds payment licenses in all states except Hawaii, the United Kingdom and the European Union, as well as a BitLicense in New York State. Is the global crypto asset industry brandThe company with the largest number of licenses has compliant channels for entering and exiting crypto assets in US dollars, pounds, and euros.

In addition, USDC becomes the only stable currency supported by the US Bitcoin base exchange. Compared with USDT, USDC is more transparent and open, and now ranks second in market value, second only to USDT.

⑹ Which one is less risky, usdc or usdt? They both face different risks

Speaking of USDC and USDT, investors who know something about the currency circle may know that both USDC and USDT are stable. Currency, and investors who have just entered the currency circle may have only heard of USDT. After all, USDT is currently the most common stable currency, and can even be said to be the most frequently used stable currency in the currency circle, while USDC can be said to be the most popular stable currency in recent years. For this type of investors, both USDC and USDT are fully analyzed below. Are USDC and USDT the same?

In fact, it can be said that there are different opinions on whether USDC or USDT has less risk.

1. USDT

The risk of USDT has always existed, and Tether also wrote in the Tether white paper: Legal currency token for Bitcoin blockchain transactions: Tether is a decentralized digital currency, but we We are not a perfect decentralized company. We act as a centralized pledger to store all assets.

So USDT, as a product of corporatization, may encounter some problems, such as company bankruptcy, bankruptcy of the bank where the company has an account, bank freezing of funds, company withdrawal of funds, risk of re-centralization, and paralysis of the entire system.

In addition to its reputation, USDT also has a fatal problem, which is that it is developed based on the first-generation public chains BTC and Ethereum. The transmission speed is very slow, which seriously affects the efficiency of the entire digital currency industry. The new stablecoin was dissatisfied with the inefficient transfer speed of Ethereum and began to look for a new generation of public chains to cooperate.

2. USDC

Although DeFi (decentralized finance) promoted the adoption of stablecoins, the market accepted USDC as quickly as possible.

There are many reasons why USDC is the fastest growing stablecoin. One of the main reasons is that the market trust circle and Bitcoin base issue USDC appropriately. Because Bitcoin Base and Circle are very law-abiding conservative companies in the market.

In addition, Circle has even partnered with the U.S. government to use USDC as a foreign policy tool. In fact, the U.S. government coordinated with Circle to distribute USDC to medical personnel in Venezuela. In this way, they are able to bypass the traditional financial system controlled by dictator Maro.

Circle’s close relationship with the Bitcoin base and the U.S. government comes to marketThe field conveys trust. The idea here is that governments are less likely to strictly monitor companies that actively cooperate.

Another reason why USDC has become the fastest growing stablecoin is that USDT has recently encountered trust issues. Specifically, in April 2019, Tether’s lawyers admitted to the public that there was not one dollar for every Tether issued in the bank accounts supporting this digital asset.

⑺ Coinbase and Circle’s financial empire ambitions: USDC

1. Where is the legal currency?

Friends who are trading digital currencies for the first time often ask me, if the digital currency I bought rises or falls, what should I do if I need to convert it into a relatively stable pricing unit? Everyone understands that we rely on legal currency to calculate the valuation of digital currencies. For example, one thousand yuan of Bitcoin is one thousand yuan, and one Bitcoin is ten thousand yuan. Most people are also legal currency-oriented. However, the current direct use of RMB Legal currency transactions are not allowed in our country. So, when doing short-term operations, what should you exchange your Bitcoin, Ethereum, and Litecoin for? Yes, friends with some operating experience will say: USDT Tether.

2. Less secure Tether

Tether is currently the most frequently used digital dollar in the world. TEDA Company promises that Tether USDT can be exchanged for US dollars at a ratio of 1:1 , we also call such a digital currency a US dollar stable currency. However, we must understand that buying Tether is like depositing money in a bank account that is a bit dangerous, because Tether does not have a third-party audit of its 100% reserve ratio. To take an example that all Chinese people can understand, the money we put in Alipay is not actually RMB issued by the People's Bank of China, but the Alipay digital RMB issued by Alipay. Alipay is entrusted with a 100% reserve ratio at the People's Bank of China. Make sure that the balance we use in Alipay is real and valid, and can be converted into fully valued RMB at a 1:1 ratio. If all users who use Tether want to convert Tether into US dollars, and Tether cannot provide enough US dollars, the credit of USDT will go bankrupt and will be decoupled from the US dollar. In fact, the issue of insufficient USDT value will arise at any time. It's possible for them to break out. Tether is not safe. We still need to find new digital currencies that can be stably exchanged for legal tender.

2.USDC

In August 2018, the New York Financial Regulatory Authority approved two new U.S. dollar stablecoins, one of which is dualGUSD issued by Zixing Company and PAX issued by PAX Trust. Both stablecoins have third-party auditing companies periodically issuing credible reports proving that they have placed sufficient U.S. dollar reserves in third-party banks to support the stability of their digital U.S. dollars. issuance of coins. PAX has even obtained a trust license, which is very credible.

However, Bai Lu believes that the first two have a problem of limited application scope, and USDC is different. USDC was issued by Cetre in October 2018, and Center is jointly invested and operated by Coinbase and Circle. Coinbase is the world's largest compliant digital currency exchange, while Circle has the title of Alipay in the United States. Both companies are unicorn companies with a valuation of billions. Under their promotion, a number of digital currency exchanges have announced that USDC can be used for transactions, among which Coinbase is an exclusive digital U.S. dollar stable currency. American users can use U.S. dollars to exchange for USDC, and then directly withdraw coins through Coinbase. Go to exchanges such as Binance and KuCoin to trade other digital currencies with smaller market capitalizations. It can be said that a group of digital currency exchanges most used by American users can already use USDC. In less than half a year after its birth, USDC It has become the second largest digital dollar stablecoin.

3. The bank of the future

The PAX trust that issues PAX only hopes to collect the demand interest rate of PAX’s bank reserves as income. However, this is not the case in the hands of Coinbase and Circle. Circle pitches itself as the bank of the future.

And has a business of investing and paying in digital currencies using legal currency.

In digital currency transactions, cross-border circulation of fiat currencies, and circulation of fiat currencies and digital currencies, USDC is bound to have a more profound impact, just as Center's mission is: to connect everyone, everywhere , every merchant, every financial service, every currency.

"The fragrance of plum blossoms comes from the bitter cold"

⑻ What is the difference between usdt and usdc

USDC has more advantages than USDT in terms of legality, transparency, and security.
1. Virtual currency refers to the currency that can be used to purchase goods and services within a specific community in the virtual space. Well-known virtual currencies include Bitcoin, Tencent’s Q coins, Shanda’s coupons, etc. According to notices and announcements issued by the People's Bank of China and other departments, virtual currencies are not issued by monetary authorities, do not have legal and compulsory monetary attributes, are not currencies in the true sense, do not have the same legal status as currency, and cannot It should not be used as currency in the market, and citizens’ investment and trading in virtual currencies are not protected by law.
2. USDC is issued by Circle, a company invested by Bitmain, Goldman Sachs Group, IDG, CICC, China Everbright and China Network. It is a fully mortgaged stable currency. The professional services company Grant Thornton will The financial status of USDC issued by Circle is publicly reported monthly. Circle, the issuing company behind USDC, has payment licenses from all states in the United States except Hawaii, the United Kingdom and the European Union, as well as the New York State BitLicense, and has compliant channels for entering and exiting crypto assets in U.S. dollars, pounds, and euros.
3. USDT is Tether USD (referred to as USDT), a token based on the stable value currency U.S. dollar (USD) launched by Tether. According to Tether's introduction to USDT, USDT is one of the encrypted digital currencies and can be transferred, stored and consumed on wallets and trading platforms.

⑼ What currency is usdc one of the most stable mainstream currencies?

USDC (USD Coin) was born in September 2018. Unlike USDT, USDC has received a lot of support since its birth.

USDC is issued by Circle. Circle is the company with the largest number of crypto asset industry licenses in the world. It currently has payment licenses in the United States (including New York State's BitLicense), the United Kingdom and the European Union, so it has compliance channels for entering and exiting crypto-assets in three major currencies: US dollars, pounds and euros.

It is worth mentioning that New York State is the state with the strictest regulation of digital currency transactions in the United States, and its BitLicense application threshold is extremely high, close to that of banks. Circle is the first encryption institution to obtain a BitLicense license, which also illustrates Circle’s strong background.

Not only that, Circle has also won the favor of international capitals such as IDG Capital, Everbright Capital, Internet, and Bitmain. It has accumulated five rounds of financing, of which Bitmain invested US$110 million.

The license is excellent and powerful, but the rest is a matter of transparency.

It is understood that the professional services company Grant Thornton will disclose the financial status of USDC released by Circle every month.status report. The independent third-party audit measures ensure the safety of customers' funds to the greatest extent and solve the current pain point of opaque custody accounts in the use of USDT in the market.

If USDT had not been introduced earlier, I am afraid that the faucet of stable currency would have changed hands long ago. According to data, the market value of USDC was only US$500 million at the beginning of this year. It soared to US$2.9 billion in just a few months. It has developed rapidly and its market value ranking once rose to 12th.

Although USDC has many advantages, it is not without its disadvantages.

USDC is issued based on the Ethereum ERC20 protocol, which limits its application scope to a certain extent, while USDT is not only issued based on Ethereum, but also on the Tron and Bitcoin networks. Once the Bitcoin network is congested, users can transfer money through the Tron network, while USDC can only be transferred through the Ethereum network.

USDC has higher compliance than USDT, but its acceptance by mainstream exchanges is not high. Since many exchanges still use USDT as a fiat currency deposit channel and USDT as a basic trading pair, it is difficult for many exchanges to avoid the monopoly of USDT, such as OKex.

A problem of user habits. Since USDT has been around for a long time, most people are still accustomed to using USDT for transactions and transfers, and they also have a certain understanding of the new token.

In short, I think that despite many challenges, it is not impossible for USDC to challenge USDT. After all, it is better than USDT in every aspect except the market. We will wait and see the future development of USDC.