O USDC é um dólar digital lastreado 100% em dinheiro altamente líquido e ativos equivalentes a dinheiro e pode ser resgatado a qualquer momento por dólares americanos à proporção de 1:1. A maior parte da reserva de USDC é investida no Circle Reserve Fund (USDXX), um fundo de mercado monetário governamental registrado na SEC (Comissão de Valores Mobiliários dos Estados Unidos) conforme a regra 2a-7. Relatórios diários independentes realizados por terceiros sobre o portfólio estão disponíveis publicamente por meio da BlackRock.

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USDC is natively supported on 20 blockchain networks: Algorand, Aptos, Arbitrum, Avalanche, Base, Celo, Ethereum, Hedera, Linea, NEAR, Noble, OP Mainnet, Polkadot, Polygon PoS, Solana, Sonic, Stellar, Sui, Unichain, and ZKsync – with more expected in the future. 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.

Our view is that USDC is a Covered Stablecoin. The Statement on Stablecoins defines “Covered Stablecoins” as those which are "designed to maintain a stable value relative to the United States Dollar, or 'USD,' on a one-for-one basis, can be redeemed for USD on a one-for-one basis (i.e., one stablecoin to one USD), and are backed by assets held in a reserve that are considered low-risk and readily liquid with a USD-value that meets or exceeds the redemption value of the stablecoins in circulation.

Our view is that USDC is a "covered stablecoin" as it is designed to maintain a stable value relative to the USD, is redeemable 1:1 for USD⁹, and is 100% backed by highly liquid cash and cash equivalent assets. Information on the reserves backing USDC is made publicly available here with monthly third-party assurances that the value of the reserves meets or exceeds the value of USDC in circulation.

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.