USDC
去交易货币 / 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
$0.999791
+0.00% （ +$0 ）
≈ ¥7.16850147
- 24H最高
- $0.999791
- 24H最低
- $0.999847
- 24H开盘
- $0.999679
- 24H收盘
- $0.999725
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$2316.05$2342.81$2312.59$2320.1303-18 04:11
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2$95.18$95.41$94.77$95.0703-18 04:11
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3$93.82$95.58$93.72$94.5603-18 04:11
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4$0.09967$0.10112$0.09941$0.1000803-18 04:11
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5$0.10373$0.10544$0.10364$0.1041603-18 04:11
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6$0.2864$0.2914$0.2858$0.288403-18 04:11
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7$0.09484$0.09585$0.09467$0.0954403-18 04:11
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8$0.00258$0.00259$0.00257$0.0025803-18 04:11
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9$0.10227$0.10291$0.10208$0.1022303-18 04:11
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10$0.006454$0.00647$0.006398$0.00642303-18 04:11
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11$4.107$4.134$4.091$4.11203-18 04:11
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12$0.02244$0.02263$0.02223$0.0222503-18 04:11
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13$0.02079$0.0209$0.02071$0.0208103-18 04:11
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14$668.4$674.7$667.7$671.203-18 04:11
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15$0.0626$0.0633$0.0619$0.062603-18 04:11
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16$0.000006465$0.000006554$0.000006463$0.00000649303-18 04:11
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17$15.6$15.65$15.49$15.4903-18 04:11
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18$0.0000003535$0.000000357$0.0000003508$0.000000353403-18 04:11
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19$0.000001868$0.000001868$0.000001822$0.00000182703-18 04:11
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20$0.002842$0.00286$0.002823$0.00285903-18 04:11
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21$0.01908$0.01954$0.01897$0.0194603-18 04:11
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22$0.5774$0.5799$0.5704$0.574203-18 04:11
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23$0.004798$0.004798$0.004798$0.00479803-18 04:11
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24$0.07951$0.08004$0.0795$0.0797203-18 04:11
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25$0.1659$0.1684$0.1658$0.166403-18 04:11
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26$0.0709$0.0709$0.0709$0.070903-18 04:11
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27$2.063$2.072$2.044$2.04703-18 04:11
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28$0.04068$0.04068$0.03745$0.0395603-18 04:11
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29$0.005116$0.005131$0.004989$0.00498903-18 04:11
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30$1.592$1.604$1.582$1.59503-18 04:11
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31$0.00104$0.001045$0.00103$0.00103503-18 04:11
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32$0.09217$0.09479$0.09201$0.0939703-18 04:11
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33$4.365$4.377$4.351$4.36203-18 04:11
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34$0.2192$0.2217$0.217$0.217303-18 04:11
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35$6.699$6.826$6.699$6.75103-18 04:11
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36$0.102$0.102$0.102$0.10203-18 04:11
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37$0.307$0.3096$0.3069$0.308103-18 04:11
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38$0.9647$0.9719$0.962$0.963103-18 04:11
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39$0.0003412$0.0003422$0.0003379$0.000339103-18 04:11
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40$0.812$0.812$0.812$0.81203-18 04:11
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41$1.963$1.963$1.942$1.94503-18 04:11
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42$0.1411$0.1446$0.141$0.142903-18 04:11
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43$0.0119$0.01205$0.01188$0.01203-18 04:11
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44$0.0191$0.01984$0.0191$0.0195803-18 04:11
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45$0.04703$0.04782$0.04436$0.0462703-18 04:11
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46$0.000168$0.0001691$0.000167$0.000167503-18 04:11
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47$4.058$4.105$4.043$4.08103-18 04:11
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48$0.06662$0.06697$0.06632$0.0663303-18 04:11
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49$118.74$121.06$118.74$119.7503-18 04:11
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50$0.05618$0.05625$0.05545$0.0554703-18 04:11
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51$0.001353$0.001367$0.001344$0.00136403-18 04:11
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52$0.3205$0.3231$0.3196$0.320103-18 04:11
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53$0.000489$0.000508$0.000478$0.00049603-18 04:11
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54$0.00004286$0.00004287$0.00004247$0.0000424703-18 04:11
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55$0.09635$0.09727$0.09611$0.0964403-18 04:11
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56$0.4831$0.4902$0.4826$0.485803-18 04:11
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57$0.0002037$0.0002041$0.0001993$0.000200803-18 04:11
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58$0.03582$0.03589$0.03486$0.0349703-18 04:11
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59$3.393$3.432$3.389$3.41103-18 04:11
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60$0.0006571$0.0006627$0.0006563$0.000660203-18 04:11
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61$0.06224$0.06231$0.06146$0.061803-18 04:11
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62$1.7811$1.8102$1.77$1.798703-18 04:11
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63$0.00912$0.00976$0.00908$0.0093803-18 04:11
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64$8.049$8.103$8.008$8.07803-18 04:11
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65$0.0004136$0.0004141$0.0004104$0.000410503-18 04:11
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66$0.000421$0.000426$0.000419$0.00042303-18 04:11
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67$0.01346$0.01367$0.01343$0.0136203-18 04:11
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68$0.2803$0.2833$0.2796$0.281103-18 04:11
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69$0.04555$0.04691$0.0454$0.0463503-18 04:11
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70$0.000003645$0.00000374$0.000003633$0.00000367503-18 04:11
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71$0.03433$0.0345$0.03231$0.0323503-18 04:11
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72$0.0995$0.10007$0.09891$0.0993103-18 04:11
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73$0.04467$0.04487$0.04399$0.0445803-18 04:11
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74$0.01833$0.01833$0.01833$0.0183303-18 04:11
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75$0.9991$0.9998$0.9991$0.999803-18 04:11
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76$0.9619$0.9717$0.9512$0.951403-18 04:11
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77$0.005424$0.005445$0.005402$0.00542803-18 04:11
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78$1.792$1.825$1.788$1.80603-18 04:11
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79$0.001775$0.001789$0.001767$0.0017703-18 04:11
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80$0.007796$0.007796$0.007638$0.00767503-18 04:11
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81$0.005972$0.005997$0.005897$0.00590203-18 04:11
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82$0.04813$0.04854$0.04787$0.0479103-18 04:11
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83$0.1496$0.1512$0.1474$0.147403-18 04:11
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84$0.000006022$0.000006104$0.000006013$0.00000605803-18 04:11
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85$2316.07$2339.78$2314.73$2319.9903-18 04:11
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86$0.003922$0.003935$0.003855$0.00390403-18 04:11
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87$0.3098$0.3314$0.297$0.298203-18 04:11
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88$0.0000525$0.000053$0.000052$0.00005203-18 04:11
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89$0.00482$0.00482$0.00472$0.0047303-18 04:11
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90$0.01754$0.01851$0.01746$0.018203-18 04:11
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91$0.006666$0.006695$0.006659$0.00667503-18 04:11
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92$73760.3$74611$73724.7$74337.203-18 04:11
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93$0.06108$0.06151$0.0606$0.0606903-18 04:11
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94$0.3922$0.3987$0.3915$0.396303-18 04:11
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95$0.01962$0.01985$0.01955$0.0195803-18 04:11
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96$2.916$3.303$2.916$3.22403-18 04:11
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97$0.05607$0.05673$0.05533$0.0553503-18 04:11
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98$0.004326$0.004338$0.004306$0.00431503-18 04:11
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99$2.292$2.369$2.281$2.32503-18 04:11
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100$0.1128$0.1133$0.1119$0.111903-18 04:11
