USDC 達到 20 兆美元交易量里程碑，並符合 MiCA

Circle 的穩定幣 USDC 在推出六年後，交易量達到了 20 兆美元的里程碑。公司2024年報告

Stablecoins, a crucial component of the cryptocurrency ecosystem, are designed to provide price stability, making them suitable for practical use in transactions and savings. They are typically pegged to assets such as fiat currencies (e.g., USD), commodities (e.g., gold), or a basket of assets. This pegging aims to minimize the drastic price fluctuations characteristic of cryptocurrencies like Bitcoin ( BTC) and Ethereum ( ETH).

穩定幣是加密貨幣生態系統的重要組成部分，旨在提供價格穩定性，使其適合在交易和儲蓄中實際使用。它們通常與法定貨幣（例如美元）、大宗商品（例如黃金）或一籃子資產等資產掛鉤。這種掛鉤旨在最大限度地減少比特幣（BTC）和以太坊（ETH）等加密貨幣的劇烈價格波動特徵。

Among the various types of stablecoins, fiat-collateralized stablecoins are pegged to fiat currencies like the US dollar or the Euro. These stablecoins are backed by cash equivalents or fiat currency reserves held by the issuing company, ensuring a 1:1 ratio with the pegged fiat currency.

在各種類型的穩定幣中，法幣抵押的穩定幣與美元或歐元等法幣掛鉤。這些穩定幣由發行公司持有的現金等價物或法定貨幣儲備支持，確保與錨定法定貨幣的比例為 1:1。

In the realm of fiat-collateralized stablecoins, two prominent players are USDC and EURC, both issued by Circle. USDC is pegged to the US dollar, while EURC is pegged to the Euro, offering stability for digital transactions in their respective fiat currencies.

在法幣抵押的穩定幣領域，兩個著名的參與者是 USDC 和 EURC，它們都是由 Circle 發行的。 USDC 與美元掛鉤，而 EURC 與歐元掛鉤，為各自法定貨幣的數位交易提供了穩定性。

Highlighting the growing adoption and utilization of USDC, a report by Circle in 2024 revealed that the stablecoin reached a new milestone with $20 trillion in transaction volume over six years of existence. Notably, USDC also achieved its first $1 trillion monthly transaction in November 2024, showcasing its increasing usage and liquidity in the crypto market.

Circle 在 2024 年發布的一份報告強調了 USDC 的採用和利用不斷增長，該穩定幣在存在六年內達到了新的里程碑，交易量達到 20 兆美元。值得注意的是，USDC 還在 2024 年 11 月實現了首筆 1 兆美元的月交易量，展示了其在加密貨幣市場中不斷增長的使用量和流動性。

This data further underscores USDC's position as one of the most widely used stablecoins, boasting a significant market share in the stablecoin landscape. Its broad usage and liquidity make it a preferred choice for various applications, including stablecoin swaps, decentralized finance (DeFi) protocols, and Web3 services.

這項數據進一步凸顯了 USDC 作為使用最廣泛的穩定幣之一的地位，在穩定幣領域擁有重要的市場份額。其廣泛的用途和流動性使其成為各種應用程式的首選，包括穩定幣互換、去中心化金融 (DeFi) 協議和 Web3 服務。

Collectively, USDC experienced a 78% year-over-year growth in circulation, outpacing all other major global stablecoins. This growth rate surpassed even that of its key competitor, USDT, which experienced a slower increase in market value throughout the year.

總體而言，USDC 的流通量年增 78%，超過全球所有其他主要穩定幣。這一增速甚至超過了其主要競爭對手USDT，後者全年市值增長較慢。

At the beginning of 2024, Tether's stablecoin, USDT, had a total market capitalization of $91.7 billion, which gradually increased to reach $137.5 billion by the end of the year, indicating an increase of about 50%.

2024年初，Tether的穩定幣USDT總市值為917億美元，並逐漸增加，到年底達到1,375億美元，增幅約50%。

Meanwhile, USDC's total market value at the end of 2024 stood at around $43.5 billion, which was still about 22% lower than its peak market value of $55.9 billion, reached in June 2022. This data suggests that while USDC experienced significant growth in 2024, it had not yet fully recovered to its peak size from two years ago.

同時，2024 年底 USDC 的總市值約為 435 億美元，仍比 2022 年 6 月達到的 559 億美元的峰值市值低約 22%。它尚未完全恢復到兩年前的峰值規模。

One key factor driving USDC's remarkable growth in 2024 was Circle's commitment to regulatory compliance and transparency. This effort culminated in Circle becoming the first major global stablecoin issuer to fully comply with the European Union's Markets in Crypto Assets (MiCA) regulation.

推動 USDC 在 2024 年實現顯著成長的關鍵因素之一是 Circle 對監管合規性和透明度的承諾。這項努力最終使 Circle 成為第一個完全遵守歐盟加密資產市場 (MiCA) 監管的全球主要穩定幣發行人。

This compliance played a pivotal role in USDC's stability and presence in Europe, offering users a sense of security in an increasingly regulated environment.

這種合規性對於 USDC 在歐洲的穩定性和影響力發揮了關鍵作用，為使用者在日益監管的環境中提供了安全感。

The MiCA regulation, proposed by the European Union, aimed to establish a clear legal framework for managing digital assets. This regulation intended to maintain financial stability, protect investors, and foster innovation in the crypto market by outlining guidelines for cryptoasset issuers and service providers.

MiCA 法規由歐盟提出，旨在建立管理數位資產的明確法律框架。該法規旨在透過概述加密資產發行者和服務提供者的指導方針來維護金融穩定，保護投資者並促進加密市場的創新。

The regulation covered aspects of stablecoins, market abuse, and the operation of crypto service providers in the EU. For instance, it required stablecoin issuers to maintain sufficient reserves and follow operational guidelines to ensure stability and reliability.

該法規涵蓋了穩定幣、市場濫用以及歐盟加密服務提供者的營運等面向。例如，它要求穩定幣發行人保持足夠的準備金並遵循操作指南以確保穩定性和可靠性。

Moreover, it mandated transparency, consumer protection, and security for businesses in the crypto industry.

此外，它還要求加密行業企業的透明度、消費者保護和安全。

Significantly, Circle also became the first stablecoin issuer to meet Canada's new listing rules, further demonstrating its commitment to maintaining a globally compliant and reliable stablecoin.

值得注意的是，Circle 也成為首家符合加拿大新上市規則的穩定幣發行人，進一步表明了其致力於維護全球合規且可靠的穩定幣的承諾。

Collectively, these efforts by Circle and the broader regulatory landscape in 2024 contributed to the increasing adoption and utilization of USDC for various applications in the crypto ecosystem.

總的來說，Circle 的這些努力以及 2024 年更廣泛的監管環境有助於 USDC 在加密生態系統中的各種應用中得到越來越多的採用和利用。

Beyond the traditional financial systems, USDC also played a crucial role in providing financial access to the unbanked and underbanked populations worldwide. It currently services users in more than 180 countries around the globe and boasts an open network that's integrated with 16 different blockchains.

除了傳統的金融體系之外，USDC 在為全球無銀行帳戶和銀行服務不足的人群提供金融服務方面也發揮了至關重要的作用。它目前為全球 180 多個國家的用戶提供服務，並擁有與 16 個不同區塊鏈整合的開放網路。

This broad reach and interoperability make USDC a preferred choice for diverse use cases, including remittances, cross-border payments, and participation in the Web3 economy.

這種廣泛的覆蓋範圍和互通性使 USDC 成為多種用例的首選，包括匯款、跨境支付和參與 Web3 經濟。

In another development, EURC, the euro-backed equivalent of USDC, reached a significant milestone in October 2024 by surpassing $1 billion in weekly transfer volume.

另一方面，歐元支持的 USDC 等價物 EURC 於 2024 年 10 月達到了一個重要的里程碑，每週轉帳量超過 10 億美元。

It also became the largest euro-backed stablecoin by total circulation. Euro-backed stablecoins are digital currencies pegged to the euro (EUR), the official currency of the European Union. Like USDC, which is tied to the US dollar, these stablecoins are supported by reserves held in

它也成為總發行量最大的歐元支持的穩定幣。歐元支持的穩定幣是與歐盟官方貨幣歐元（EUR）掛鉤的數位貨幣。與與美元掛鉤的 USDC 一樣，這些穩定幣也受到以下國家持有的儲備的支持：