STRICT-Score
Max. Potenzial
1x
Potenzieller Ertrag
Wahrscheinlichkeit
95%
Erfolgschance
Risikoniveau
2/10
Niedriges Risiko
Marktkapitalisierung
$76.52B
Volumen
$6.69B
STRICT-Score Aufschlüsselung
Unser proprietäres Bewertungssystem evaluiert Projekte anhand von 6 Schlüsseldimensionen.
Analyseübersicht
Analyseübersicht
USDC is a fully-reserved digital dollar stablecoin issued by Circle, backed 1:1 by highly liquid cash and cash-equivalent assets held in U.S. Treasuries and the Circle Reserve Fund (USDXX), an SEC-registered government money market fund managed by BlackRock. As of December 2025, USDC has a market cap exceeding $73 billion with 24.3% stablecoin market dominance, making it the second-largest stablecoin after USDT. Circle went public on NYSE in 2025 and received OCC conditional approval for a national trust bank, positioning USDC as the most regulated and transparent stablecoin in the market.
Investitionsthese
USDC serves as a stable store of value and medium of exchange in the digital asset ecosystem, offering institutional-grade reliability and unmatched regulatory compliance in the stablecoin market. With 100% reserve backing by U.S. Treasuries held in an SEC-registered BlackRock-managed money market fund, monthly Deloitte attestations, and native support across 28+ blockchain networks, USDC provides a trusted on-ramp and safe haven during volatile market conditions. Circle's NYSE listing in 2025, GENIUS Act compliance positioning, and OCC conditional approval for a national trust bank make USDC the preferred choice for institutions, traditional finance integrators, and DeFi protocols requiring maximum regulatory certainty. For users who prioritize transparency, auditability, and regulatory compliance over pure liquidity depth, USDC represents the gold standard in digital dollar infrastructure.
Wettbewerbsposition
USDC is the second-largest stablecoin with 24.3% market dominance and $73B+ circulation, trailing Tether's USDT which commands 63%+ market share and $140B+ supply. While USDT offers superior liquidity depth in offshore exchanges, Asian markets, and trading pairs, USDC leads decisively in regulatory compliance, reserve transparency, and U.S. institutional adoption. Circle's NYSE listing, monthly Deloitte attestations, SEC-registered BlackRock-managed reserve fund, and OCC conditional banking approval position USDC as the preferred stablecoin for regulated entities, traditional finance integration, and compliance-focused users. USDC achieved 108% YoY growth in Q3 2025 versus USDT's slower expansion, capturing institutional flows that prioritize auditability and regulatory certainty. Emerging competitors include PYUSD (PayPal), EURC (Circle's Euro stablecoin), and decentralized alternatives like DAI, but none match USDC's combination of scale, regulatory standing, and institutional trust.
Fazit
USDC serves as the institutional-grade digital dollar with unmatched regulatory compliance, reserve transparency, and traditional finance integration. Circle's NYSE listing, OCC banking approval, BlackRock-managed reserves, and monthly Deloitte attestations establish USDC as the most trusted stablecoin for regulated entities and compliance-focused users. While USDC offers no price appreciation potential as a stablecoin pegged to $1, it provides essential utility as a stable store of value, DeFi collateral, and fiat on/off-ramp in the crypto ecosystem.
Stärken
- Full 1:1 backing by cash and U.S. Treasury assets in SEC-registered money market fund (USDXX) managed by BlackRock
- Industry-leading transparency with monthly Deloitte attestations and weekly public reserve disclosures
- Regulatory gold standard - Circle NYSE-listed (2025), OCC conditional approval for national trust bank, GENIUS Act compliant
- Strong institutional adoption - 108% YoY growth to $73.7B circulation in Q3 2025, Visa settlement integration
- Multi-chain support across 28+ blockchain networks including Ethereum, Solana, Base, and Arbitrum
- Consistent revenue generation - $711M reserve income in Q3 2025, up 60% YoY from interest on reserves
- Deep DeFi integration as primary collateral and liquidity asset across major protocols
- Rapid redemption capability with direct 1:1 USD conversion for institutional users
Risiken
- Centralized control - Circle has sole authority over minting, redemption, and blacklisting addresses, enabling censorship
- Banking system dependency - reserves held at regulated financial institutions create counterparty and systemic risk
- Historical depegging incident during March 2023 Silicon Valley Bank collapse when USDC briefly traded at $0.87
- Regulatory uncertainty - future legislation could impose stricter capital requirements, operational constraints, or reserve yield restrictions
- Market share competition from USDT with deeper liquidity in offshore markets and emerging regulated stablecoins
- Smart contract risk across 28+ blockchain deployments with varying security guarantees and bridge vulnerabilities
- Interest rate sensitivity - declining yields on reserves could impact Circle\
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STRICT-Score
Bewertung: 92/100 | Potenzial: 1x
Verwandte im gleichen Sektor - Stablecoin
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Haftungsausschluss: Diese Analyse dient nur zu Informationszwecken und sollte nicht als Finanzberatung betrachtet werden. Führen Sie immer Ihre eigene Recherche durch, bevor Sie Anlageentscheidungen treffen. Investitionen in Kryptowährungen sind volatil und mit erheblichen Risiken verbunden.