USDC
货币 / 公链 / PoW / 灰度信托基金 / Coinbase Pro综合 / Bitwise10指数基金 / CoinList 上线 / Robinhood 上线 / 2024减半
$0.99956
+0.00% （ +$0 ）
≈ ¥7.1668452 ฿1
- 24H最高
- $0.99956
- 24H最低
- $0.9996
- 24H开盘
- $0.99927
- 24H收盘
- $0.99943
USDC简介
-
简介
USDC：全球合规稳定币的黄金标准
核心定位
作为首个通过美国货币流通法（MSLA）全合规框架的美元稳定币，USDC由支付金融科技公司Circle与加密货币交易所Coinbase联合推出的开源协议Centre Consortium主导发行。其核心价值在于建立“1:1法币储备+实时审计+银行级托管”三位一体的透明化运作范式，成为连接传统金融与加密生态的合规桥梁。
技术架构与储备管理革新
1.双引擎稳定机制
USDC采用抵押+套利双轮驱动模式维持锚定：
储备支撑：每枚USDC对应1美元储备资产，包括美国国债（占比85%）、现金及回购协议，由贝莱德等顶级资管机构管理。2024年Circle将商业票据全部替换为政府债券，信用风险降低70%。
智能合约调节：用户可通过铸造/销毁USDC实现链上套利，当价格偏离1美元时，算法自动触发市场平衡机制。例如，若USDC升至1.02美元，用户可兑换美元获利，从而增加USDC供应并压低价格。
2.透明度基础设施
实时储备查询：Circle官网提供储备仪表盘，用户可查看USDC储备构成（如2025年2月数据显示，563.5亿美元储备覆盖562.8亿流通量）。
审计与验证：德勤等四大会计师事务所每月出具验证报告，确认储备公允价值与流通量匹配。2025年2月报告显示，USDC储备超量覆盖0.7亿美元，超额率达0.12%。
链上监控系统：通过CCTP（跨链传输协议）实时追踪USDC跨链流动，防止资金池枯竭风险。例如，Sui公链原生USDC上线后，跨链交易量环比增长300%。
市场生态与应用场景
1.流动性布局
DeFi领域：USDC占据DeFi借贷市场70%份额，在Aave平台的借贷规模突破6,700万美元。2025年Q1，USDC在Uniswap V3的流动性池日均交易额达8.2亿美元，占平台总交易量的38%。
跨境支付：通过Circle Payments Network（CPN）协议，USDC实现7×24小时跨境结算，手续费低至0.1%，到账时间缩短至3秒。2025年Q2，USDC跨境支付量达1,200亿美元，同比增长150%。
机构托管：富达、贝莱德等资管巨头接入USDC托管服务，支持机构客户通过USDC进行股票、债券等传统资产的链上交易。例如，贝莱德已通过USDC完成5亿美元的国债代币化交易。
2.合作伙伴网络
交易所联盟：与Coinbase、Binance等头部交易所深度绑定，Coinbase获得USDC储备收入的55%，支撑其2025年Q1稳定币业务收入达9.3亿美元。
企业级应用：Stripe、Shopify等电商平台接入USDC支付接口，支持商户实时结算。2025年Q2，USDC在电商场景的渗透率达18%，交易额突破50亿美元。
开发者生态：开放USDC智能合约API，支持创建可编程货币。例如，支付协议Ripple通过USDC实现跨境汇款的智能清算，交易确认时间缩短至4秒。
总结：USDC通过技术+合规+生态的三维突破，成功构建了数字美元的全球基础设施。其储备透明度、合规性、技术创新能力均处于行业领先地位，成为连接传统金融与Web3的核心枢纽。随着Circle国家信托银行牌照的落地、CCTP协议的扩展及AI/隐私技术的应用，USDC有望在2025年实现流通量破千亿的里程碑。然而，监管政策的不确定性、技术漏洞风险及竞争对手的持续施压，仍将是其长期发展的关键挑战。对于投资者而言，USDC因其稳定性和合规性，是数字资产配置的“安全锚”；对于企业而言，USDC提供了低成本、高效率的跨境支付与结算解决方案。未来，USDC能否在全球货币体系重构中占据更重要地位，取决于其在监管适应、技术迭代和生态扩展上的持续突破。
市场行情
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#名字开盘最高最低收盘更新时间
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1$233.91$238.36$232.3$237.6709-18 04:01
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2$3.0228$3.0678$2.982$3.028809-18 04:01
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3$0.1766$0.18459$0.17521$0.1827509-18 04:01
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4$8.49$8.602$8.451$8.58109-18 04:01
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5$0.2543$0.2601$0.2524$0.259509-18 04:01
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6$0.04055$0.04173$0.03986$0.0413909-18 04:01
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7$0.0000000001012$0.0000000001016$0.0000000000998$0.000000000100209-18 04:01
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8$9.415$9.59$9.35$9.58509-18 04:01
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9$0.01891$0.02413$0.01819$0.0231409-18 04:01
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10$0.5768$0.5881$0.5738$0.587709-18 04:01
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11$6.852$7.003$6.756$6.97609-18 04:01
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12$0.8935$0.8971$0.8848$0.892109-18 04:01
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13$0.6107$0.634$0.6044$0.633509-18 04:01
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14$0.1594$0.1606$0.1579$0.159709-18 04:01
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15$0.02313$0.02365$0.023$0.0236509-18 04:01
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16$29.517$30.344$29.393$30.06709-18 04:01
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17$1.213$1.2245$1.2049$1.215509-18 04:01
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18$0.6965$0.7179$0.6912$0.717909-18 04:01
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19$0.09778$0.10095$0.09704$0.1009509-18 04:01
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20$0.08287$0.08509$0.08225$0.0850909-18 04:01
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21$0.002013$0.002082$0.001995$0.00208209-18 04:01
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22$0.08706$0.08706$0.08706$0.0870609-18 04:01
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23$0.2832$0.287$0.2786$0.283409-18 04:01
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24$0.04111$0.04199$0.04088$0.0419809-18 04:01
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25$43.86$44.77$43.61$44.7709-18 04:01
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26$0.003459$0.003635$0.003437$0.00362609-18 04:01
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27$0.0001357$0.0001398$0.0001344$0.000139709-18 04:01
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28$0.6194$0.6421$0.6155$0.64209-18 04:01
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29$0.1944$0.195$0.1933$0.193609-18 04:01
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30$0.102$0.102$0.102$0.10209-18 04:01
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31$20.23$20.48$20.1$20.4609-18 04:01
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32$0.03381$0.03498$0.03354$0.0348809-18 04:01
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33$0.02387$0.02474$0.02333$0.0235809-18 04:01
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34$5.199$5.322$5.185$5.31109-18 04:01
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35$0.002227$0.002295$0.002221$0.00227909-18 04:01
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36$1.4$1.41$1.397$1.40909-18 04:01
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37$0.04131$0.04246$0.04106$0.0424609-18 04:01
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38$0.09718$0.10151$0.09589$0.1013609-18 04:01
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39$0.12403$0.1263$0.12075$0.1241709-18 04:01
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40$0.00837$0.00837$0.00818$0.0083109-18 04:01
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41$0.7112$0.7442$0.7043$0.743409-18 04:01
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42$0.1852$0.1901$0.1844$0.190109-18 04:01
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43$10.0963$10.3612$10.0537$10.279709-18 04:01
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44$287.82$292.34$286.05$290.9609-18 04:01
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45$0.1737$0.1802$0.1736$0.180109-18 04:01
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46$0.5059$0.5166$0.5005$0.515909-18 04:01
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47$0.1548$0.157$0.1541$0.15709-18 04:01
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48$1.1284$1.1374$1.1075$1.133309-18 04:01
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49$0.3769$0.3892$0.3749$0.389209-18 04:01
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50$0.5158$0.5232$0.5127$0.522609-18 04:01
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51$1.1862$1.2096$1.1756$1.207909-18 04:01
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52$0.0143$0.0144$0.0141$0.014409-18 04:01
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53$0.18189$0.18494$0.17507$0.1835109-18 04:01
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54$14.81$15.17$14.69$15.1709-18 04:01
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55$0.003091$0.003179$0.003062$0.00317709-18 04:01
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56$0.18$0.1838$0.1788$0.183809-18 04:01
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57$1808.8$1808.8$1808.8$1808.809-18 04:01
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58$2.667$2.753$2.649$2.75209-18 04:01
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59$0.0003534$0.0003616$0.0003491$0.000361609-18 04:01
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60$6.499$6.633$6.464$6.63109-18 04:01
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61$0.0000004402$0.000000443$0.0000004402$0.000000442809-18 04:01
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62$17.07$17.351$16.861$17.34509-18 04:01
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63$0.2089$0.2136$0.2065$0.213609-18 04:01
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64$1.0072$1.0318$1.0008$1.02509-18 04:01
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65$0.1357$0.1391$0.135$0.139109-18 04:01
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66$0.7626$0.785$0.7568$0.784709-18 04:01
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67$0.01821$0.01839$0.01809$0.0183309-18 04:01
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68$9.647$10.023$9.567$10.01509-18 04:01
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69$4.938$5.055$4.895$5.03709-18 04:01
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70$0.2566$0.2621$0.2552$0.262109-18 04:01
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71$0.10281$0.10582$0.1025$0.1058209-18 04:01
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72$0.2411$0.2488$0.2384$0.248609-18 04:01
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73$0.8313$0.8318$0.8236$0.830709-18 04:01
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74$0.08318$0.08584$0.08247$0.0857609-18 04:01
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75$0.01833$0.01833$0.01833$0.0183309-18 04:01
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76$0.0285$0.02878$0.02804$0.028209-18 04:01
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77$0.999$0.9992$0.9987$0.998809-18 04:01
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78$3.793$3.882$3.766$3.87809-18 04:01
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79$0.01296$0.01319$0.01288$0.0131909-18 04:01
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80$0.2973$0.3043$0.2954$0.30409-18 04:01
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81$0.00000004012$0.00000004167$0.00000003922$0.000000041609-18 04:01
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82$0.3133$0.3211$0.3115$0.320909-18 04:01
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83$0.02686$0.02738$0.02662$0.0273709-18 04:01
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84$0.0018$0.001838$0.001786$0.00183509-18 04:01
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85$0.6675$0.6803$0.6616$0.680209-18 04:01
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86$0.19732$0.20258$0.19596$0.2025109-18 04:01
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87$0.4401$0.4443$0.438$0.442109-18 04:01
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88$0.2504$0.2549$0.2491$0.254709-18 04:01
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89$0.008954$0.009044$0.008906$0.00899809-18 04:01
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90$35.21$36.12$34.94$36.0809-18 04:01
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91$0.05108$0.05187$0.05054$0.0518109-18 04:01
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92$0.001318$0.001327$0.001292$0.00131909-18 04:01
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93$0.9117$0.9349$0.9025$0.93309-18 04:01
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94$1.5151$1.6063$1.5018$1.586109-18 04:01
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95$0.06716$0.06846$0.06661$0.0680609-18 04:01
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96$0.00004994$0.00005061$0.00004959$0.0000502109-18 04:01
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97$0.7711$0.7781$0.7604$0.763109-18 04:01
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98$0.009902$0.009914$0.009658$0.00977209-18 04:01
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99$0.1343$0.1352$0.1323$0.132809-18 04:01
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100$0.2516$0.267$0.2339$0.235109-18 04:01
