USD Coin(USDC) Регулярные инвестиции

Pharos Network, a financial-grade Layer1 blockchain, has announced the integration of USDC and Circle's Cross-Chain Transfer Protocol (CCTP) into its mainnet, The Pacific Ocean. This move introduces institutional-grade stablecoin settlement capabilities and enables seamless cross-chain liquidity across more than 20 supported blockchains. USDC, a fully reserved and transparent dollar-backed stablecoin, will serve as a core asset for real-world asset (RWA) tokenization, DeFi trading, lending, and global payments. By eliminating the need for third-party bridges or wrapped assets, CCTP enhances security and capital efficiency. The integration allows developers to build lending markets, structured products, and global payment networks on Pharos Network. It also gain access to compliant on-chain RWA markets, while users benefit from broader real-world financial opportunities. Additionally, Pharos Network has launched a $10 million ecosystem incubation program to support native application development. The foundation aims to build an open, transparent, and inclusive global RealFi settlement infrastructure, facilitating the flow of institutional-grade assets on-chain.

Circle: Still Worth Buying After the Pullback? Circle, the issuer of the second-largest stablecoin USDC, is at a critical juncture. Its current valuation of $15-20B primarily reflects its interest income from $770B in USDC reserves. However, data suggests a potential transformation into a fee-based digital dollar infrastructure network. Key evidence for this shift includes: * USDC's on-chain transaction volume grew 247% in FY2025, far outpacing its 72% circulation growth, indicating it's being *used* more, not just held. * Adjusted for on-chain noise, USDC dominates real economic settlement volume (64% per Visa data), despite USDT having 2.4x its market cap. Circle's three-layer revenue structure is evolving: 1. **Interest Income (95% of current revenue):** Tied to USDC circulation and interest rates. Faces headwinds from potential Fed cuts and a revenue-sharing agreement with Coinbase. 2. **Payment & Transaction Fees:** The key to becoming an infrastructure play. The Circle Payments Network (CPN) is scaling rapidly ($5.7B annualized TPV), and non-interest revenue surged to $37M/quarter. 3. **Settlement Platform (Arc):** A long-term bet on becoming an institutional settlement standard, though its value remains unproven. Near-term catalysts include the Coinbase revenue-sharing agreement renewal (Aug 2026) and potential full OCC bank charter approval. A 3-5x return is plausible if USDC circulation grows at 40% CAGR. A 10x return requires multiple successes: CPN scaling, improved Coinbase terms, non-interest revenue exceeding 10% of total, and progress on Arc. Major risks include faster-than-expected interest rate declines, Tether achieving greater legitimacy, and competition from new yield-bearing stablecoins and payment giants like Stripe. The investment thesis hinges on tracking three metrics: USDC circulation growth, its velocity (via Visa data), and the growth of non-interest revenue. The data is leaning toward a successful transformation, but it is not yet guaranteed.

OSL Group (863.HK) has partnered with Circle Internet Group (NYSE: CRCL) to expand the use of USDC on its trading and payment platform. Through OSL Global, users can now exchange USDC for USD at a 1:1 ratio and trade USDC against BTC, ETH, SOL, USDT, and USD. USDC has also been integrated as a unified margin currency for contracts to improve capital efficiency for both retail and institutional clients. Additionally, OSL’s payment services now support USDC for digital dollar settlements. Subject to regulatory approvals, OSL may also integrate Circle’s USYC, a leading tokenized money market fund. The collaboration aims to enhance stablecoin liquidity, support seamless value exchange, and strengthen digital asset infrastructure in Hong Kong and global markets.

Circle's Q1 2026 financial report shows total revenue and reserve income of $6.94 billion, slightly below expectations, with net profit at $550 million, down 15% year-over-year. The company attributes the slowdown in revenue growth to declining reserve asset yields following a Federal Reserve rate cut. However, other revenue streams reached a record $420 million, indicating a diversification away from interest dependence. Key operational highlights include USDC's circulating supply reaching 77 billion, a 28% annual increase, while its on-chain transaction volume surged 263% to $21.5 trillion, showing significantly higher usage frequency. Circle's core RLDC Margin improved to 41%, reflecting better cost control. Looking beyond interest rate reliance, Circle is expanding into new areas. Its Arc Network completed a $2.22 billion ARC token presale at a $30 billion valuation. The company also launched Agent Stack, an infrastructure suite for AI Agent economies, and its Circle Payments Network (CPN) shows an estimated annual transaction volume of $83 billion. The report suggests Circle's strategy is evolving from merely issuing a stablecoin to building USDC into a foundational dollar network for the internet, targeting cross-border payments, enterprise settlement, and the emerging AI-driven economy.

Better Mortgage, in partnership with Coinbase, is launching a U.S. home loan product that accepts Bitcoin and USDC as collateral, with a nationwide rollout planned for summer 2026. The first loan has already been issued to a couple in Michigan. A key distinction from earlier crypto-backed loans is the involvement of Fannie Mae, which provides a conforming guarantee, effectively treating digital assets as valid collateral. The product also differs by not subjecting the crypto collateral to liquidation if its value declines; the assets remain in custody for the loan's entire term. Better projects an initial loan volume of $250 million based on early sign-ups and plans to expand to other digital assets like tokenized stocks.