#StablecoinPayments

offers key advantages but also faces notable risks.

### **Advantages:**

1. **Regulated & Transparent**

- Jointly issued by Circle and Coinbase under strict U.S. regulations.

- Reserves are 100% backed by cash and U.S. Treasuries, with regular audits.

2. **Technical Flexibility**

- Built on Ethereum and other blockchains, supporting smart contracts.

- Strong cross-chain interoperability, enabling use in DeFi, cross-border payments, and more.

3. **High Liquidity**