USDC 达到 20 万亿美元交易量里程碑，并符合 MiCA

Circle 的稳定币 USDC 在推出六年后，交易量达到了 20 万亿美元的里程碑。公司2024年报告

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).

稳定币是加密货币生态系统的重要组成部分，旨在提供价格稳定性，使其适合在交易和储蓄中实际使用。它们通常与法定货币（例如美元）、大宗商品（例如黄金）或一篮子资产等资产挂钩。这种挂钩旨在最大限度地减少比特币（BTC）和以太坊（ETH）等加密货币的剧烈价格波动特征。

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.

在各种类型的稳定币中，法币抵押的稳定币与美元或欧元等法币挂钩。这些稳定币由发行公司持有的现金等价物或法定货币储备支持，确保与锚定法定货币的比例为 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.

在法币抵押的稳定币领域，两个著名的参与者是 USDC 和 EURC，它们都是由 Circle 发行的。 USDC 与美元挂钩，而 EURC 与欧元挂钩，为各自法定货币的数字交易提供了稳定性。

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 年发布的一份报告强调了 USDC 的采用和利用不断增长，该稳定币在存在六年内达到了新的里程碑，交易量达到 20 万亿美元。值得注意的是，USDC 还在 2024 年 11 月实现了首笔 1 万亿美元的月交易量，展示了其在加密货币市场中不断增长的使用量和流动性。

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.

这一数据进一步凸显了 USDC 作为使用最广泛的稳定币之一的地位，在稳定币领域拥有重要的市场份额。其广泛的用途和流动性使其成为各种应用程序的首选，包括稳定币互换、去中心化金融 (DeFi) 协议和 Web3 服务。

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.

总体而言，USDC 的流通量同比增长 78%，超过全球所有其他主要稳定币。这一增速甚至超过了其主要竞争对手USDT，后者全年市值增长较慢。

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的稳定币USDT总市值为917亿美元，并逐渐增加，到年底达到1375亿美元，增幅约为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.

与此同时，2024 年底 USDC 的总市值约为 435 亿美元，仍比 2022 年 6 月达到的 559 亿美元的峰值市值低约 22%。该数据表明，尽管 USDC 在 2024 年经历了显着增长，它尚未完全恢复到两年前的峰值规模。

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.

推动 USDC 在 2024 年实现显着增长的关键因素之一是 Circle 对监管合规性和透明度的承诺。这项努力最终使 Circle 成为第一家完全遵守欧盟加密资产市场 (MiCA) 监管的全球主要稳定币发行人。

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.

这种合规性对于 USDC 在欧洲的稳定性和影响力发挥了关键作用，为用户在日益监管的环境中提供了安全感。

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 法规由欧盟提出，旨在建立管理数字资产的明确法律框架。该法规旨在通过概述加密资产发行者和服务提供商的指导方针来维护金融稳定，保护投资者并促进加密市场的创新。

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.

该法规涵盖了稳定币、市场滥用以及欧盟加密服务提供商的运营等方面。例如，它要求稳定币发行人保持足够的准备金并遵循操作指南以确保稳定性和可靠性。

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

此外，它还要求加密行业企业的透明度、消费者保护和安全。

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 还成为首家满足加拿大新上市规则的稳定币发行人，进一步表明其致力于维护全球合规且可靠的稳定币。

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.

总的来说，Circle 的这些努力以及 2024 年更广泛的监管环境有助于 USDC 在加密生态系统中的各种应用中得到越来越多的采用和利用。

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.

除了传统的金融体系之外，USDC 在为全球无银行账户和银行服务不足的人群提供金融服务方面也发挥了至关重要的作用。它目前为全球 180 多个国家的用户提供服务，并拥有与 16 个不同区块链集成的开放网络。

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.

这种广泛的覆盖范围和互操作性使 USDC 成为多种用例的首选，包括汇款、跨境支付和参与 Web3 经济。

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，欧元支持的 USDC 等价物 EURC 于 2024 年 10 月达到了一个重要的里程碑，每周转账量超过 10 亿美元。

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

它也成为总发行量最大的欧元支持的稳定币。欧元支持的稳定币是与欧盟官方货币欧元（EUR）挂钩的数字货币。与与美元挂钩的 USDC 一样，这些稳定币也受到以下国家持有的储备的支持：