#USDC 📌 What is USDC?
USDC (USD Coin) is a stablecoin pegged to the US dollar.
Each unit of USDC is designed to be worth $1.00, backed by reserves in cash and high liquidity assets.
It was launched in 2018 by the Centre Consortium (founded by Circle and Coinbase).
⚙️ How it works
For each USDC issued, there is 1 dollar or an equivalent asset in reserve.
It is an ERC-20 token on the Ethereum network, but it also works on various blockchains (Solana, Avalanche, Polygon, Arbitrum, Base, etc.).
Used for payments, international transfers, DeFi, and trading on exchanges.
✅ Advantages
Stability: pegged to the dollar, avoiding the typical volatility of cryptocurrencies.
Transparency: Circle publishes audit reports of the reserves.
Speed and low cost compared to traditional bank transfers.
Widely accepted on DeFi platforms, brokerages, and fintechs.
⚠️ Risks and points of attention
Dependence on reserves: trust in Circle and the auditors.
Regulation: may be impacted by government policies in the US.
Decoupling (depeg): in March 2023, it was worth ~ $0.88 due to reserves stuck at Silicon Valley Bank, but it returned to $1.
📊 Current status (September/2025)
One of the leading stablecoins in the market, alongside USDT (Tether).
Market cap in the tens of billions of dollars.
Strong presence in digital payments and the DeFi ecosystem.
📌 USDC on Binance with Real (BRL)
You can buy USDC using BRL directly on Binance.
The most common ways are:
PIX (P2P) → buy USDC from other users with real via PIX.
BRL balance on Binance → convert to USDC in the “Spot” market.
The price is always close to R$ 1 = $1 (plus the dollar exchange rate and fees).
