[태그:] usdt

USDT
USDT is a cryptocurrency called a stablecoin that is designed to track the value of 1 U.S. dollar per token.wikipedia+1

Basic definition
- USDT (also called Tether) is issued by a private company named Tether Limited and is pegged 1:1 to the U.S. dollar, targeting 1 USDT ≈ 1 USD.investopedia+2
- It is “fiat‑backed,” meaning the issuer claims to hold reserves such as cash and short‑term U.S. Treasuries to support the tokens in circulation.oobit+1
Purpose and use cases
- USDT gives crypto users a relatively price‑stable asset for trading, payments, and settlements, reducing exposure to the volatility of coins like Bitcoin or Ether.coinspaid+2
- It is widely used as a base trading pair on exchanges and for remittances, cross‑border payments, and as a kind of “digital dollar” in countries with high inflation.polygon+2
How it works technically
- USDT exists as tokens on multiple blockchains, including Ethereum (ERC‑20), Tron (TRC‑20), and others such as BNB Smart Chain, Polygon, and Solana.polygon+2
- New USDT is typically minted when large customers deposit dollars with Tether and is burned (destroyed) when those customers redeem USDT back into dollars.binance+1
Risks and considerations
- USDT is not the same as holding actual USD in a bank; it is a private digital token that aims to track USD’s price but can briefly de‑peg during market stress.coinspaid+1
- Tether publishes reserve reports, but its reserve composition and transparency have been subjects of regulatory and market scrutiny over the years, so users face issuer and regulatory risk in addition to normal crypto risks.moderntreasury+1
1월 13, 2026
USDC
USDC (USD Coin) is a cryptocurrency called a stablecoin that is designed to maintain a value of 1 USDC ≈ 1 US dollar. It is issued by the company Circle (originally via the Centre consortium with Circle and Coinbase) and is fully backed by reserves of cash and short‑term U.S. Treasuries held at regulated financial institutions.wikipedia+4

Basic definition
- USDC is a tokenized digital version of the U.S. dollar that runs on public blockchains like Ethereum, Solana, and others.kraken+1
- Each token is intended to be redeemable 1:1 for one actual U.S. dollar and is backed by cash and cash‑equivalent assets, with regular reserve attestations for transparency.circle+2
How USDC works
- When users deposit U.S. dollars with the issuer (Circle or partners), new USDC is minted and the equivalent amount of dollars is held in reserve; when users redeem, USDC is burned and dollars are returned.usdc+1
- Because of this reserve mechanism, USDC’s price generally stays very close to 1 dollar, unlike volatile cryptocurrencies such as Bitcoin or Ether.osl+1
Who issues and governs it
- USDC was launched in 2018 by Centre, a joint venture originally formed by Circle and Coinbase to create a compliant, transparent dollar stablecoin.gemini+1
- Circle, a U.S.-regulated financial services firm, now issues USDC and publishes regular reports on reserves, working with licensed banks and custodians.usdc+1
Main use cases
- Trading and hedging on exchanges as a “cash-like” asset to move in and out of more volatile crypto positions.kraken+1
- Payments, remittances, and DeFi: sending money globally with low fees, using USDC in lending/borrowing protocols, and settling online commerce in a dollar-pegged asset.usdc+2
Key risks to know
- Users are exposed to issuer and reserve risk: if the reserve assets or the issuing company encounter problems, the 1:1 redeemability could be affected.ledger+1
- There are also regulatory and technical risks, since USDC depends on both traditional financial institutions (for reserves) and the underlying blockchains (for transfers and custody).gemini+1
1월 13, 2026

[태그:] usdt

USDT

Basic definition

Purpose and use cases

How it works technically

Risks and considerations

USDC

Basic definition

How USDC works

Who issues and governs it

Main use cases

Key risks to know