Capital efficiency at scale
USDC is available 24/7 and moves at internet speed, with global payments and remittances that can settle in seconds and can cost a fraction of a penny. Unlock instant cash flow – all day, every day – to support operations, pay vendors, and make payroll worldwide.
Rethink your crypto treasury strategy
USDC opens up a new world of institutional borrowing and lending opportunities. Allocate idle funds to platforms like Circle Yield*, Compound Treasury and Maple Finance and earn returns by lending USDC without compromising stability. Or if you’re a digital bank, offer next-gen financial services built on USDC to your customers.
Digital dollars for digital commerce
Brands and marketplaces accept payments in USDC to eliminate legacy bank rail fees and pass savings back to customers. Usher in a new frontier for payments and offer the customer experience of tomorrow – today.
Stability to make markets anytime, anywhere
USDC is a fully-reserved stablecoin available on many of the world’s leading digital asset exchanges. Access crypto capital markets with a regulated digital dollar that’s designed to maintain its value and is always redeemable 1:1 for dollars.
Real companies run on USDC
USDC behaves like a dollar with superpowers. It’s stable and transparent, yet it can move across the world in seconds at the speed of the internet. The possibilities for commerce are limitless.”
USDC was leaps and bounds better than the alternatives. From a risk/reward perspective, we thought USDC was managed in a way that’s very conservative and transparent.”
The numbers speak for themselves: enterprises and their teams want to pay, and be paid in USDC. It is a vote of confidence in Circle's fully-collateralized approach to creating a trusted Peer-to-Peer electronic cash system.”
Taking the time to evaluate the landscape helped us understand that stablecoins aren’t all built the same. USDC’s high quality reserves, transparency and liquidity — plus Circle’s commitment to compliance — give it obvious advantages.”
Setting a blueprint for
USDC is often looked to as the blueprint to replicate for digital currency architecture. At the highest level, Circle works closely with U.S. congressional leaders to align the open values of Web3 with the traditional financial system and help create our harmonious, interconnected future.
A fast and easy way to access USDC
Circle is the sole issuer of USDC and a licensed money transmitter in all 50 states. Circle is regulated under the same supervision and laws that govern large payment companies like Apple, PayPal, Venmo, and Square. U.S. state banking regulators supervise and exam Circle on a continual basis.
With Circle’s publicly available S-4, its financial statements are audited annually and subject to review by the SEC.
USDC is issued by Circle, a company in the private sector, while a theoretical CBDC would be issued by a government. While most CBDCs are only in the research phase, USDC exists today and is widely used by millions of people around the world. Circle has developed the technology to enable USDC to run on over eight public blockchains, with open-source and private market innovation driving rapid progress in dollar digital currency models.
CBDCs are being designed to solve many of the challenges already solved by USDC, such as making payments faster, cheaper, and inclusive. But CBDCs come with risks, including potentially harming individual privacy, giving governments the ability to deplatform people from their money, and creating massive “honey pots” of personal information.
Read more about Circle’s insights on the Fed’s CBDC discussion.
Build with USDC
We’d love to get to know you, answer your questions, and help you realize the power of digital dollars for your business.
* Offering subject to business approval, geographical availability**, and regulatory authorization, and there is no guarantee that the product will become available in a specific timeframe or to a specific customer or geography. Circle Yield product offered through Circle International Bermuda Limited (“Circle Bermuda”). Circle Bermuda has entered into lending arrangements with one or more institutional borrowers. These borrowers pledge and transfer Bitcoin into custody with a third party custodian as collateral for their USDC borrowings and Circle Yield investors benefit from a security interest in Circle Bermuda’s security interest in the pledged Bitcoin.
Circle Account and money transmission services are provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC, NMLS # 1201441, is a licensed provider of money transmission services. Circle Bermuda is licensed by the Bermuda Monetary Authority and holds a Bermuda Digital Asset Business (DAB) License, No. 54786. A full list of Circle’s licenses can be found at https://www.circle.com/en/legal/licenses.
Circle is not a bank; your Circle Account is not a bank account, and any funds are not insured or protected by government compensation and/or regulatory protection schemes by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation or by any US or foreign government agency, insurance fund, person or entity. For investors in the United States, investments described in this communication are offered by Circle Bermuda to “accredited investors” only in accordance with Regulation D, Rule 506(c) of the Securities Act of 1933, as amended. Neither the SEC nor any other regulatory body has approved or disapproved Circle Yield. While Circle Bermuda is regulated by the Bermuda Monetary Authority for digital asset business, Circle Bermuda is not engaged in banking and deposit taking activities and is not regulated for these purposes. You should carefully conduct your own investigations and analyses in connection with any participation in this product, including its objectives, risk factors, fees and expenses and the information set forth in these materials. All prospective participants in the products described herein are advised to consult with their legal, accounting and tax advisers regarding any potential participation. Tax may be payable on any return on and/or any increase in the value of your investment and you should seek independent advice on your taxation position. Please read the offering documents carefully before you invest. Additional information is available upon request.
** Not currently available in the following U.S. states: Alaska, Minnesota, New York and Hawaii