# Сопутствующие статьи по теме USDC

Fannie Mae To Accept Crypto, Bitcoin As Collateral For Mortgages In Coinbase Tie-Up

Fannie Mae, in partnership with Better Home & Finance and Coinbase, will now accept cryptocurrency as collateral for mortgage down payments. This new product allows prospective homebuyers to pledge digital assets like Bitcoin or USDC held in a Coinbase account to secure a loan for the down payment, without needing to sell their crypto. The mortgage itself remains a conventional Fannie Mae-backed loan, with terms and interest rates unaffected by Bitcoin's price volatility. The initiative aims to expand homeownership access for the estimated 52 million Americans who hold digital assets.

bitcoinist03/26 19:49

Coinbase Dismisses Revised Clarity Act, Signals Ongoing Friction

Coinbase continues to oppose the revised Digital Asset Market Clarity Act, despite new compromise language backed by the White House. The bill, introduced by Senators Tillis and Alsobrooks, bans rewards for simply holding stablecoins but permits activity-based rewards—though definitions remain vague. Regulatory agencies have 12 months to clarify rules, but the industry finds the timeline insufficient. Coinbase’s opposition is financially motivated, as stablecoin-related revenue accounted for roughly 20% of its Q3 2025 earnings, largely from its USDC partnership with Circle. CEO Brian Armstrong argues that USDC rewards are revenue sharing, not deposit products. The bill still requires a Senate vote and reconciliation with the House version. If not passed by May, crypto legislation may stall until after midterm elections. With the stablecoin market at $316 billion, time is critical, and Coinbase remains firmly against the current proposal.

bitcoinist03/26 12:35

Even with the CLARITY Act Pressure, Is the Market Overreacting to Circle's Stock Price?

Despite recent market concerns triggered by the CLARITY Act’s potential restrictions on interest payments to stablecoin users, Bitwise’s Matt Hougan argues that the sell-off in Circle’s stock may be an overreaction. Using conservative assumptions, he estimates that Circle—the issuer of USDC, the world’s second-largest stablecoin—could reach a $75 billion valuation by 2030. Key factors in this outlook include: - The stablecoin market is projected to grow to $1.9 trillion by 2030 (Citi base case), driven by utility in global payments and as a dollar alternative, not yield. - Circle currently holds 25% market share; Hougan expects it to maintain or even expand this position, especially in regulated markets. - Circle’s net yield (after distribution costs) is assumed to drop to 0.8% amid competition, though the CLARITY Act may actually support margins. Under these assumptions, Circle could generate ~$2.7B in net profit by 2030. Applying a market-average P/E multiple of 28x yields the $75B valuation—roughly double its current value. More bullish scenarios (larger market, higher share, or better margins) could lead to significantly higher valuations.

marsbit03/26 09:40

CLARITY Act Rewrites DeFi's Fate: Circle Feasts, DeFi Tokens Bleed

The CLARITY Act proposes significant regulatory changes for stablecoins and DeFi, fundamentally redefining them as payment tools rather than interest-bearing assets. This shift prohibits platforms from offering yield to stablecoin holders, effectively ending the narrative of stablecoins as savings products. Circle (CRCL) emerges as a structural beneficiary, likely to see increased USDC adoption and improved profit margins as yield distribution to users is restricted. However, its growth may depend heavily on continued USDC expansion. In contrast, DeFi tokens like UNI, AAVE, COMP, and others face significant headwinds due to potential compliance requirements, reduced flexibility, and limitations on stablecoin usage in DeFi protocols. Maker (MKR) is positioned as an exception, benefiting from its yield-generating model through real-world assets and a semi-compliant structure. Meanwhile, Tether's potential move toward greater transparency could intensify competition for Circle but validate the stablecoin model overall. The act accelerates a trend of value redistribution from crypto-native channels (e.g., Coinbase, DeFi protocols) to regulated financial infrastructure, with winners including Circle, MKR, and custody providers like BitGo, while many DeFi assets face structural downside risks.

Odaily星球日报03/26 05:41

The CLARITY Act Could Kill Stablecoin Yield – Here Is Where the Money Goes Instead

The CLARITY Act's proposed ban on stablecoin yield is causing significant market shift, as evidenced by Circle's (USDC) 18% value drop, erasing $4.6 billion. This legislative move aims to separate stablecoins' dual functions—yield generation and utility—by restricting passive returns. The report argues this won't eliminate yield demand but redirect it to DeFi, tokenized Treasuries, or offshore markets. Meanwhile, stablecoins may evolve into pure utility tools for payments, settlement, and collateral, with on-chain data showing active addresses at all-time highs, indicating sustained capital movement and usage.

bitcoinist03/25 22:01

Stablecoins move into payment infrastructure as Triple-A integrates Circle network

ambcrypto03/25 21:02

USDC vs. USDT: $70.2T volume drives shift as Circle expands into Africa

Circle partners with Sasai Fintech (Cassava Technologies) to expand USDC into Africa, aiming to revolutionize cross-border payments by making them faster, cheaper, and more reliable. This integration into Sasai's mobile platform addresses high fees (often over 7%) and slow traditional systems. The move occurs as stablecoins process $70.2T in annual volume, with USDC gaining market share against USDT, signaling a shift toward reliable, transparent systems. However, Circle faces regulatory challenges in the U.S., including concerns from the upcoming CLARITY Act, which contributed to a recent 20% stock drop. The expansion highlights a strategic focus on high-growth markets like Africa despite domestic uncertainties.

ambcrypto03/25 17:18

Tether Signs Big Four Auditor, Circle's Compliance Moat Collapses, Stock Plummets 20%

Tether, the world's largest stablecoin issuer, has announced it has engaged one of the Big Four accounting firms to conduct its first-ever comprehensive independent financial audit. This move is seen as a major step toward transparency for the company, which has long faced scrutiny over its reserve backing. The announcement had an immediate market impact, with shares of its competitor Circle, issuer of USDC, plummeting up to 20%. The audit is positioned as a turning point for Tether, which paid nearly $60 million in fines in 2021 following investigations by the New York Attorney General and the CFTC over misrepresentations about its reserves. While Tether has since published quarterly attestations, this full audit is considered a significant upgrade in legitimacy. This development directly challenges Circle's key advantage of perceived regulatory compliance and transparency. With a market cap of over $184 billion, Tether's newfound transparency could solidify its dominant position and attract more institutional capital. The article also details Tether's broader compliance strategy, including the launch of a fully U.S.-regulated stablecoin, USAT, designed to comply with the GENIUS Act. Furthermore, Tether has enhanced its cooperation with law enforcement, assisting in numerous investigations and freezing billions in assets linked to illicit activity. In conclusion, Tether's audit marks a pivotal moment for the entire stablecoin industry, signaling a shift towards greater institutionalization and transparency that aligns with traditional financial standards.

Odaily星球日报03/25 13:39

Double Whammy: Circle's Growth Logic Is Being 'Dismantled' Simultaneously by Legislation and Competitors

U.S. stablecoin issuer Circle (CRCL) experienced its largest single-day drop, falling over 20% on March 24, following the leak of a draft version of the Clarity Act. The bill aims to prohibit digital asset service providers from paying yields—directly or indirectly—on stablecoin holdings, including any structure “economically or functionally equivalent to interest.” This directly impacts Circle’s key partner Coinbase, which currently shares most of the reserve interest earnings from USDC holdings with users through its “USDC Rewards” program. The proposed rule could significantly slow USDC’s growth, which has been partly driven by its use as a high-yield savings alternative. Without yield incentives, demand for USDC may decline, undermining Circle’s revenue model built on scale expansion. On the same day, rival Tether announced it had hired a Big Four accounting firm to conduct a full financial audit—including its USDT reserves. This move enhances Tether’s credibility and could diminish Circle’s competitive edge in transparency and compliance, which had previously driven its growth. The draft legislation reinforces a regulatory stance that stablecoins should function primarily as payment instruments rather than interest-bearing assets, challenging Circle’s core growth strategy.

marsbit03/25 09:05

$500 mln USDC added to Solana: What it means for liquidity

Circle minted $500 million USDC on the Solana blockchain, boosting liquidity as crypto markets rebounded. This increased Solana's USDC supply by 0.14%, pushing it above $8 billion and accounting for over 10% of all USDC. The injection contributed to a 4% sector-wide price increase. Analysis shows Circle has been bridging around $400 million daily, driving revenue and the price of its stock, CRCL. Both CRCL and Solana (SOL) saw positive price movements, with a high correlation coefficient of 0.73. SOL aims to break out of a trading channel, targeting $100, supported by the added liquidity.

ambcrypto03/24 23:01