usdc-for-individuals

Always-on
digital dollars

People use USDC because it's a faster, safer and more efficient way to
send, spend, and exchange money around the globe — no bank account required.
Fiat

The way digital money is supposed to work

USDC is a digital dollar that’s available 24/7 and can move across the world in seconds. This means people can send money across borders to friends and family as quickly as sending a text – and use that money immediately to pay for goods and services. With USDC, money is accessible whenever and wherever someone needs it.

corporates

Buy coffee, an office chair, an NFT, even a house.

There’s more to USDC than just transferring money or trading for bitcoin. People can pay with USDC at supporting local restaurants. Purchase a new ergonomic chair for a home office. Buy an NFT collection of rare basketball moments at NBA Top Shot. And yes, people can even get a mortgage with digital dollars at USDC.homes.

global-payments

A global connection to local communities

Brands like MoneyGram and Bitso use USDC to enable their customers to send money across the world near-instantly and seamlessly convert it to local currencies in Latin America, Europe, Asia, Africa and more. Organizations like Endaoment empower people to send USDC directly to charities, bypassing red tape to help those that need help now.

Bank

Be your own bank. Borrow instantly.

The innovations of blockchain technology enables anyone to lend their USDC directly to anyone else in the world, and receive daily interest in return. Instead of waiting weeks to get a loan, people can borrow USDC instantly – no bank account required.

Easily convert any currency to USDC

It’s fast and easy to access USDC with a digital asset exchange. Simply deposit funds in your local currency and upon settlement you can instantly swap for USDC. Many exchanges, such as FTX.us, support withdrawing USDC across multiple blockchains.
Note: USDC is available on dozens of exchanges. Reference to any specific exchange does not constitute or imply an endorsement or recommendation by Circle.

FAQ

Anyone with an internet connection can send and receive USDC near-instantly, 24/7 anywhere in the world, with no bank account required.


With USDC, people can use any supported digital wallet you prefer, and they have direct control over their money. No need to sign up for a specific service or open a bank account. USDC sitting in a digital wallet is real money that can be used to pay for goods and services immediately.

USDC is a fully-reserved stablecoin, which is a type of cryptocurrency (or digital asset). Unlike other cryptocurrencies that fluctuate in price, USDC is designed to maintain price equivalence to the U.S. dollar. USDC is a stable store of value that benefits from the speed and security of blockchain technology.

USDC is a fully-reserved stablecoin, which means every digital dollar of USDC is 100% backed by cash and short-dated U.S. treasuries. Circle holds these reserves in the custody and management of leading U.S. financial institutions.

Yes, it’s possible to hold as little as $0.000001 worth of USDC.