El USDC es un dólar digital respaldado en su totalidad por efectivo de alta liquidez y activos equivalentes a efectivo y se puede intercambiar 1 a 1 por dólares estadounidenses. La mayor parte de la reserva del USDC se invierte en el Circle Reserve Fund (USDXX), un fondo del mercado monetario gubernamental registrado por la SEC como fondo 2a-7. Los informes diarios, independientes y de terceros, sobre la cartera están a disposición del público a través de BlackRock.

Obtenga más información sobre nuestro enfoque de transparencia.

As of June 12, 2025, USDC is natively supported on 21 blockchain networks: Algorand, Aptos, Arbitrum, Avalanche, Base, Celo, Ethereum, Hedera, Linea, NEAR, Noble, OP Mainnet, Polkadot, Polygon PoS, Solana, Sonic, Stellar, Sui, Unichain, World Chain, XRP Ledger and ZKsync – with more expected in the future.
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For more details, see our developer docs.

Circle Mint enables exchanges, institutional traders, banks, and large financial institutions to directly redeem USDC 1:1 for USD from Circle. Mint is not available to individuals or small businesses.

Startups and small businesses can access USDC via on/offramp providers in the Circle Alliance Program. Learn more about CAP or go right to the CAP directory to find a provider.

Individuals and everyday users can access USDC via exchanges, neobanks, and digital wallets. Learn more on USDC.com.

Businesses can apply for a Circle Mint account to exchange US dollars for USDC. When a business deposits USD into its Circle Account, Circle issues the equivalent amount of USDC to the business. The process of issuing new USDC is known as “minting” as new digital dollars are created and put into circulation.

Similarly, when a business wants to exchange its USDC for US dollars, the business can deposit USDC into their Mint account and request to receive US dollars. This process of redeeming USDC is known as “burning” as this process takes USDC out of circulation.

When everyday users swap US dollars for USDC on a digital asset exchange, it is the exchange that provides that USDC. If the exchange needs more USDC to fulfill the swap, the exchange will often use its Mint account to mint more USDC.

USDC is a fully reserved stablecoin, which is a type of cryptocurrency designed to maintain steady value. Unlike other cryptocurrencies that fluctuate in price, USDC is designed to maintain price equivalence to the US dollar. USDC is redeemable 1:1 for US dollars while benefiting from the speed and security of blockchain technology.

USDC is issued through regulated affiliates of Circle¹, a financial technology company in the private sector, while a 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 public blockchain networks, with open-source and private market innovation driving rapid progress in digital dollar currency models. Read more about Circle’s insights on the Federal Reserve’s CBDC discussion.

Deloitte & Touche LLP is Circle’s independent auditor and has audited Circle’s financials since fiscal year 2022. Prior to Deloitte, Grant Thornton LLP served as Circle’s independent auditor from 2015.

Our view is that USDC is not a security. In April 2025, the staff of the U.S. Securities and Exchange Commission (SEC) issued a Statement on Stablecoins (the Statement), which confirmed that as described in the Statement, the offer and sale of “Covered Stablecoins” in the manner described in the Statement does not constitute the offer and sale of securities under the Securities Act of 1933 or the Securities Exchange Act of 1934.

Nuestra opinión es que USDC es una Stablecoin Cubierta. La Declaración sobre stablecoins define las “Stablecoins Cubiertas” como aquellas que están “diseñadas para mantener un valor estable con respecto al dólar estadounidense, o “USD”, según una relación de uno a uno, pueden canjearse por USD según una relación de uno a uno (es decir, una stablecoin por un USD), y están respaldadas por activos mantenidos en una reserva que se consideran de bajo riesgo y fácilmente líquidos con un valor en USD que iguala o supera el valor de canje de las stablecoins en circulación.

Nuestra opinión es que USDC es una “Stablecoin Cubierta”, ya que está diseñada para mantener un valor estable con respecto al USD, es canjeable en una proporción de 1 a 1 por USD⁹ y está respaldada al 100 % por efectivo altamente líquido y activos equivalentes de efectivo. La información sobre las reservas que respaldan al USDC está disponible públicamente aquí y cuenta con certificaciones mensuales de terceros de que el valor de las reservas es igual al valor de USDC en circulación o lo supera.

USDC is a digital dollar backed 100% by highly liquid cash and cash-equivalent assets and is redeemable 1:1 for US dollars.⁶ The majority of the USDC reserve is invested in the Circle Reserve Fund (USDXX), an SEC-registered 2a-7 government money market fund. Daily, independent, third-party reporting on the portfolio is publicly available via BlackRock. Learn more about our approach to transparency.