$USDC

**USDC: The stablecoin that is transforming global payments in 2025**

The stablecoin **USDC**, issued by Circle, has experienced notable growth in 2025, reaching a market capitalization of **$62 billion**, an increase of **40%** since the beginning of the year. This growth surpasses that of USDT, which went from $138 billion to $145 billion in the same period, reflecting a growing preference for USDC among institutions and regulated users.

### **Keys to USDC's success**

1. **Regulation and transparency**:

- Circle has obtained key regulatory approvals, such as that of Abu Dhabi, allowing for the expansion of USDC in the Middle East.

- Its reserves, backed by liquid assets such as government bonds, offer confidence to financial institutions.

2. **Adoption in payments and remittances**:

- **Visa and Baanx** launched debit cards linked to USDC, allowing direct spending from crypto wallets.

- In Africa, alliances such as the one with **Onafriq** aim to reduce costs in cross-border transactions using USDC.

3. **Financial innovation**:

- **Coinbase** raised the limit for loans in USDC backed by Bitcoin to **$1 million**, reflecting growing institutional demand.

- ICE (NYSE) is exploring integrating USDC into traditional capital markets.

### **Challenges and future**

Despite its success, USDC faces challenges such as competition with USDT and the need for greater regulatory clarity in emerging markets. However, its focus on regulatory compliance and strategic partnerships (such as with Hub71 in Abu Dhabi) positions USDC as a leader in the tokenization of the global economy.