美元硬币（USDC）：稳定币领域的市场领导者

美元币 (USDC) 是最受欢迎的稳定币之一，2024 年流通量增长惊人，较 2024 年增长了 78%

USD Coin (USDC), a leading stablecoin, has seen impressive growth in 2024. According to a recent report by Circle, the company behind USDC, the stablecoin now has over 500 million end-users around the world. In November 2024, the monthly transaction volume also crossed $1 trillion, showcasing the exponential growth in adoption and use.

领先的稳定币美​​元币（USDC）在 2024 年取得了令人瞩目的增长。根据 USDC 背后的公司 Circle 最近的一份报告，该稳定币目前在全球拥有超过 5 亿最终用户。 2024 年 11 月，每月交易量也突破了 1 万亿美元，显示了采用率和使用量的指数级增长。

Highlighting its role in integrating traditional and digital finance, USDC, which is supported on 16 blockchains, has facilitated the transfer of over $850 billion between fiat currencies and digital assets. Furthermore, through the Cross-Chain Transfer protocol, it has processed over $20 billion in USDC transactions. This capability makes USDC an essential component of decentralized finance (DeFi) applications and cross-border payments, offering greater liquidity and accessibility to users globally.

USDC 强调了其在整合传统金融和数字金融方面的作用，受到 16 个区块链的支持，已促进法定货币和数字资产之间超过 8500 亿美元的转移。此外，通过跨链传输协议，它已处理了超过 200 亿美元的 USDC 交易。这种能力使 USDC 成为去中心化金融 (DeFi) 应用和跨境支付的重要组成部分，为全球用户提供更大的流动性和可访问性。

Despite this growth, USDC still trails behind Tether (USDT) in terms of market capitalization. However, Circle has emphasized its compliance with crucial regulations, such as the Markets in Crypto Assets (MiCA) legislation in the European Union and Canada's rules, which has helped it gain an edge over its competitor.

尽管出现这种增长，但 USDC 的市值仍落后于 Tether (USDT)。然而，Circle 强调其遵守重要法规，例如欧盟的加密资产市场 (MiCA) 立法和加拿大的规则，这有助于其比竞争对手获得优势。

While Tether has not been as actively engaged in adhering to these regulations, USDC has maintained a strong focus on compliance, which has been well-received in international markets. This commitment to regulation has made USDC a preferred choice for many institutional investors and governments as they explore the potential of stablecoins.

尽管 Tether 并未积极遵守这些法规，但 USDC 一直高度重视合规性，这在国际市场上广受好评。这种对监管的承诺使 USDC 成为许多机构投资者和政府探索稳定币潜力的首选。

In 2024, Circle also saw significant growth with EURC, the euro version of USDC, which now surpasses $1 billion in weekly transfer volume, highlighting the growth in the European market.

2024 年，Circle 还见证了 EURC（USDC 的欧元版）的显着增长，目前每周转账量超过 10 亿美元，凸显了欧洲市场的增长。

Moreover, Circle has continued its efforts to improve global financial inclusion by partnering with platforms like MoneyGram and Chipper Cash to help unbanked individuals gain access to stablecoins. These partnerships play a crucial role in bringing financial services to underserved populations and promoting economic inclusion on a global scale.

此外，Circle 还继续努力改善全球金融包容性，与 MoneyGram 和 Chipper Cash 等平台合作，帮助没有银行账户的个人获得稳定币。这些伙伴关系在为服务不足的人群提供金融服务和促进全球范围内的经济包容性方面发挥着至关重要的作用。

As the stablecoin landscape continues to evolve, Circle anticipates significant growth in areas such as global payroll, tokenized trade, supplier payments, and point-of-sale adoption. The integration of USDC into traditional payment networks, like Mastercard and Worldpay, will further expand access to digital payments for both businesses and consumers, positioning the stablecoin as a key player in the global digital economy.

随着稳定币格局的不断发展，Circle 预计全球薪资、代币化贸易、供应商支付和销售点采用等领域将出现显着增长。 USDC 与万事达卡和 Worldpay 等传统支付网络的整合将进一步扩大企业和消费者的数字支付渠道，使稳定币成为全球数字经济的关键参与者。