USDC: 安全合规的数字美元

2 min readMay 19, 2022

USDC 由美国全牌照金融公司Circle (Nasdaq: CND) 和美国上市公司和交易所 Coinbase (Nasdaq: COIN) 的机构联盟 Centre Consortium 联合发行。Circle公司是美国持有全金融牌照的金流服务商，是第一家获得BitLicense牌照的加密机构，金流服务商必须遵守联邦法律及法规，受美国政府和美国金融犯罪稽查局（FinCEN) 的监管。Circle金融公司作为加密金流服务商，已经向SEC提出申请，成为美国合规的具有联邦储备功能的国家商业银行。

USDC 的发行和赎回机制

发行：发行方每收到一个美元，就发行出一个USDC；

赎回：每赎回一个USDC，就可以从发行方拿到一个美元。

发行赎回机制简单明了，USDC 永远有 100%的美元储备，加上和银行系统的无缝连接，1 USDC 永远等于 1 美元。USDC就是区块链上数字货币，它随时可以1:1赎回成美元。

USDC由Grant Thornton（世界前10大会计事务所）负责做审计，审计报告公开其美元资产做担保抵押物的具体情况，其财务资料和担保抵押信息度十分透明且对公众公开，因此 USDC 也被市场上誉为“最合规安全的稳定币”。 USDC的链上发行量已经超过500亿美元，其安全、合规、透明，使得USDC比起时常和美国监管机构闹矛盾的USDT 更受到机构的信赖。

USDC is issued by the Centre Consortium, an institutional alliance between Circle Internet Financial Inc (Nasdaq: CND) and top exchange Coinbase (Nasdaq: COIN). Circle is a fully licensed financial service provider in the United States and one of the first cryptocurrency institutions to obtain BitLicense. Circle abides by US federal laws and regulations, is regulated by the US government, and is supervised by FinCEN. Circle is applying to become a regulated national commercial bank in the United States.

UDSC Mint & Redeem mechanism:

Issuer mints 1 USDC out of 1 USD;
Users can always redeem 1 USDC into 1 USD.

This simple mint & redeem mechanism, along with Circle’s fiat — digital on-off ramp gateway, guarantees that USDC is backed 100% by USD, and 1 USDC = 1 USD forever. Unlike other stablecoins, USDC positions itself as digital programmable money.

USDC is audited by Grant Thornton (the top 10 accounting firms in the world). The audit report discloses the details of its USD assets as collateral. Its financial information and collateral information are transparent and open to the public. Hence, USDC is hailed as “the most compliant and safest stablecoin” in the market.

参考资料

1，Circle官方网站 https://www.circle.com/en/

2，Centre Consortium官方网站 https://www.centre.io/

3，Coinbase官方网站 https://www.coinbase.com/

4，Circle申请成为国家商业银行 https://www.finextra.com/newsarticle/38617/circle-files-to-become-a-bank#:~:text=Circle%20has%20filed%20with%20the,%2C%20OCC%2C%20and%20the%20FDIC

5，USDC的发行赎回机制 https://www.circle.com/blog/how-we-mint-stellar-usdc

6，USDC的第三方公开审计数据 https://www.centre.io/usdc-transparency

7，USDC的链上发行数据

7a，以太坊区块链

https://etherscan.io/token/0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48

7b，Algorand区块链

https://algoexplorer.io/asset/31566704