USDCUSDT
USD Coin / Tether USD
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I think we're already heading in that direction. Tangem Pay is a pretty good example of this, lets you spend USDC through a Visa card without cashing out first. Feels like the logical next step for wallets tbh.

USDC & USDT work amazingly well on many blockchains. More and more people are using it.

A Binance or even bitget wallet statement alone might not tell the whole story. If I were in your position, I would build a folder showing how the money went from your P2P business to the USDC you currently hold. Exchange statements, transaction history, wallet addresses, deposits and withdrawals, plus any tax or business records you have. The clearer the chain of evidence, the easier it is to answer questions if compliance from IBKR asks where the six figures came from. Hopefully the mod sees the post and give straight answer too.

Samsung Wallet is adding native USDC on Solana for cross-border payments. Carving a niche payment use case IMO.

**Source:** [https://x.com/solana/status/2107994265104339166](https://x.com/solana/status/2107994265104339166) BREAKING: Samsung partners with Solana to bring stablecoins to 82 million US Galaxy devices. Samsung Wallet users in the US will be able to send money across borders using USDC on Solana, beginning the last week of October. https://reddit.com/link/1x0f64n/video/svj0tjwnk5uh1/player The feature is built into Samsung Wallet rather than alongside it, so users send money from the same screen they already open for cards, boarding passes and IDs while Solana runs behind the scenes. Solana has processed more than $5.25 trillion in stablecoin volume in 2026 alone. Learn more: [https://solana.com/news/samsung-wallet](https://solana.com/news/samsung-wallet) https://preview.redd.it/9pri8cxsk5uh1.png?width=680&format=png&auto=webp&s=3a8a0d7c0646abcbc450e9aa73ed8c93b6707968

Thanks — I think you’re right that reproducibility and cost to forge are different dimensions. I’d treat the forge-resistance tag as evidence provenance, not as a complete trust score. A ZK proof can be cheap to verify but expensive to generate; still, the proof only establishes what its circuit actually proves, so it doesn’t automatically demonstrate that the claimed work required substantial compute. In Handsel, I tested the simplest attack: I used one account as the requester and another as the worker, then ran a job through grading, settlement, and credit scoring. It was on the Sepolia sandbox with test USDC, so no real money was involved. The surprising result was that our counterparty-independence metric showed the market’s own activity forming a star around the operator. We added counterparty pooling, so creating more accomplice accounts that only trade with the same party doesn’t multiply their reputation linearly. But a ring where accomplices trade with one another can rebuild apparent diversity; the write-up estimates that it costs roughly 2N funded bounties in fees. So it’s priced, not solved. Full write-up: [https://github.com/Kairose-master/handsel/blob/main/docs/self-sybil-attack.md](https://github.com/Kairose-master/handsel/blob/main/docs/self-sybil-attack.md)

With 10k, don't chase crazy 1000% degen APYs or you'll get rekt by impermanent loss. I'd split it: put 50% into blue chips like stETH or rETH on Lido/RocketPool for steady baseline yield. Throw 30% into a solid USDC/USDT pool on Uniswap or Curve, and use the last 20% to loop on Aave or farm safer layer 2 incentives. Keeps your capital safe while bagging solid gains.

Chasing that extra 1.5% APY across chains burned me on bridge fees and smart contract risk way more than it was worth. Parked most of my USDC in battle-tested lending pools and honestly, sleeping peacefully through the night beats spreadsheet min-maxing every single time. Compounding boring yields without sweating a sudden depeg or hack is the ultimate alpha for staying sane in this market.

Solid find on that rate. Twelve percent on USDC is definitely juicy right now, but always check where the yield is actually coming from before parking a heavy bag. If it's boosted by their native token emissions, just keep an eye on contract lockups and the audit history. Looks super promising if the utilization holds up, so fingers crossed it stays sustainable for a bit.

Bybit Arc USDC withdrawal stuck in “Processing” for 3+ hours — no TXID

You can keep your BTC and use it as collateral to borrow USDC

Indian Freelancers — Need to Convert USDC to INR? I’m an AirTM Cashier

Proof: [https://coindex.app/photo/ZJNX4Qc](https://coindex.app/photo/ZJNX4Qc) |Item|Price|Rev Image|Grade| |:-|:-|:-|:-| |[2025 1/10 AGE - Mint Error](https://coindex.app/photo/1Z3yJvG)|$550|[Link](https://coindex.app/photo/YlKspHc)|NGC MS69| |[1999-P Proof ASE](https://coindex.app/photo/B5uUMPH)|$200|[Link](https://coindex.app/photo/jD3aaNQ)|NGC PF70| |[2016 ASE (30 Year)](https://coindex.app/photo/B5uUMPH)|$100|[Link](https://coindex.app/photo/jD3aaNQ)|NGC MS70| |[2021 ASE T2 (2 avail)](https://coindex.app/photo/YtYF46g)|$65|[Link](https://coindex.app/photo/giwT4Jp)|PCGS MS70| |[2021 ASE T1](https://coindex.app/photo/YtYF46g)|$65|[Link](https://coindex.app/photo/giwT4Jp)|PCGS MS70| |[2011-W ASE (2 avail)](https://coindex.app/photo/0zlWnsb)|$65|[Link](https://coindex.app/photo/VnRnIWS)|PCGS MS70| |[2020 ASE](https://coindex.app/photo/0zlWnsb)|$65|[Link](https://coindex.app/photo/VnRnIWS)|PCGS MS70| |[2023 ASE](https://coindex.app/photo/0zlWnsb)|$65|[Link](https://coindex.app/photo/VnRnIWS)|PCGS MS70| Payment: Venmo, PPFF, (No notes, non coin/metal emoji only)**,** Crypto (USDC) Shipping: * USPS GA $7 (up to 6 ozt) * USPS Priority $12 (7 ozt+) * USPS Registered (includes insurance) cost determined at time of shipment, based on weight and distance.

Yea the waiting for it to appreciate is just something I’m doing because I don’t want to use my hard assets to purchase things. I still use bitcoin to buy things to support the network and like you said to use it like money. And the paradigm shift is for those who want to understand it. I know the average person won’t even look into crypto with their own free will. For people to adopt crypto or digital currency, it needs to be forced. Which there are already signs of the governments doing do with USDC and other cryptos. But that was very well explained so thank you for taking your time to write all that. My personal path is to let my hard assets accumulate so I can use less of my assets to purchase something and let my hard assets grow and spend fiat to buy other things. I also saw your profile, what is that book with the hanging Bitcoin doll about?

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Remittix has released its new whitepaper, and overall I think it presents a much clearer and more mature vision for the ecosystem. PayFi, Wallet, Markets and Earn working together, with RTX intended to become the native asset connecting them. However, there is one part I think everyone willing to bet on this project should be watching very carefully. What is the token utility? According to the tokenomics, RTX has a maximum supply of 1.5 billion tokens, with 50% allocated to the presale. That's a big proportion of the entire supply potentially entering the first moments after launch. This creates an obvious risk around TGE. Presale investors have very different entry prices and bonuses, and some will inevitably want to take profits. Even if Remittix succeeds as a business, significant early selling could put pressure on RTX if there isn't enough new demand to absorb that supply. This is why I think the upcoming announcement regarding RTX utility could be one of the most important announcements before/around launch. Ideally, RTX shouldn't simply be a token attached to a successful PayFi application. There needs to be a strong economic connection between Remittix usage and RTX demand. For example, RTX could potentially provide reduced PayFi fees, better exchange rates or other discounts; staking could unlock higher platform tiers or benefits; Markets and Earn could incorporate RTX incentives; platform revenues could finance RTX buybacks; and a buyback-and-burn mechanism could permanently reduce supply over time. This would be great! Imagine Remittix eventually processes billions of dollars in crypto-to-fiat payments. That's fantastic for Remittix but if users can access everything using USDC, ETH, BTC, etc. without ever needing RTX, then PayFi success doesn't necessarily translate into RTX price appreciation. Conversely, if growing PayFi/Markets/Earn activity creates demand for RTX, the ecosystem could gradually absorb the dilution created by the large presale allocation. This is why I'm not particularly worried about the 1.5B maximum supply itself. What matters is the relationship between supply entering the market and demand being created by the ecosystem. The new whitepaper says RTX utility will be introduced across PayFi, Markets and Earn as those mechanisms are formally announced. That's the announcement I'll be watching most closely. The technology can work. PayFi can gain users. Remittix can become a successful platform. But for token holders, if Remittix succeeds, how exactly does RTX capture that success? What do you all think?

I went through a phase where I was constantly moving USDC around because some Morpho vault or lending market was showing a couple percent more than wherever I already had it. After gas, bridging and constantly checking utilization it started feeling like a full time job for a pretty small difference. Now I care more about where the yield is coming from, how liquid the exit is and whether I can unwind without doing five transactions. I still keep BTC and ETH open on Moon when the market gets messy because I want to know if theres a broader move happening before touching anything, but I stopped treating every spike in Defi APY like an opportunity I need to chase. Boring yield has honestly been much easier to stick with.

**TRON is now live on Polygon OMS, so a business built on TRON can take a payment from deposit to wallet to cross-chain routing to payout through one integration.** TRON carries more than $94 billion in circulating USDT, over half of the stablecoin's supply across every chain. Remittance senders, gig workers and exchange users in markets like the Philippines, Mexico, Argentina and Nigeria already receive and hold USDT there. Polygon Open Money Stack (OMS) lets a business keep TRON at the center of its product and handle the rest in one place. Each customer gets a persistent TRON deposit address, and OMS matches every incoming USDT deposit to the right customer, so teams don't build their own reconciliation. Funds can sit in custodial or embedded wallets, then route across chains when needed. Polygon Trails moves USDT between TRON and EVM chains in a single transaction, for example USDT on TRON to USDC on Polygon. * Accept deposits by bank transfer, card, cash or crypto * Convert fiat into USDT (TRC-20) on TRON and back again * Store funds in custodial or embedded wallets on TRON * Route USDT across TRON, Polygon and major chains * Pay out to bank accounts, cards, cash pickup or wallets A remittance app can hold a sender's USDT on TRON and pay the recipient out to a local bank account. A gig platform can give workers a persistent deposit address for the USDT they already pull off exchanges, instead of asking them to bridge it themselves. Full post: https://polygon.technology/blog/polygon-oms-supports-tron

The USDC supply APY is actually at 13.62% now. This yield comes from the market utilization and it's directly paid by borrowers: utilization is at 97% and the borrow rate is at 13.75%. It should hold up because we have more borrowers waiting in line. P0 manages to keep it sustainable because of our cross margin setup: * Rate gaps across integrated venues (Jupiter, Kamino) are arb opportunities * Arbers can borrow on P0 agains that integrated market and close the delta by looping * Borrow demand constantly pumps the lending side yield + rate gaps decrease

Bro want me to send you 20 USDC to buy some food?

Yes, you can earn yield on USDC

My sister gets her freelance pay in USDC through a payroll app and has no idea it settles on a blockchain at all.

since you said you can't afford to lose much, the honest version: yes, you can earn on USDC without swapping, but you're going from "issuer risk" to "issuer risk + protocol risk". it's a variable yield and your capital is at risk, it's not a bank deposit. the morpho suggestion above is a good starting point. what i'd check on any vault before putting real money in: where the yield comes from: who borrows, and against what collateral who the curator is and which markets they're allowed to lend into (that's where the risk actually sits) how fast you can withdraw if lots of people leave at once whether on-chain cover exists for that vault (nexus mutual covers some), which moves part of the tail risk off you then do a small deposit and a full withdrawal first, before anything bigger. there are also some apps that help you with everything and have very low fees

Yes, it is technically possible to lend or supply USDC without exchanging it. But it helps to separate \*holding USDC\* from \*trying to earn on it\*. Holding it already involves issuer/redemption, network and custody risks. Lending it or putting it in a vault adds smart-contract risk, the risk of whoever is borrowing or managing the strategy, and the possibility that getting out is hard exactly when you want to. So the question is not only “what APY?” It’s “where does the yield come from, and which extra failure modes am I accepting for it?” For wallets: a hardware wallet protects the private key, which is useful if the amount is meaningful to you. It does not protect you from a wrong network, a bad token approval, or a malicious site. Before moving any meaningful amount, try the full process with a small test transfer and verify every address and network from an independent source. I wouldn’t choose a wallet or a yield venue just because it is named in a comment or shows the highest current rate. Read how the stablecoin is redeemed and what the protocol actually does with deposits first.

It's still a bit of a fudge, isn't it. You're not spending crypto, you're selling it and the card provider flicks a bit of fiat to the merchant. Your keys stay yours until you top up their wallet, then it's their show. I've been messing with direct wallet-to-merchant payments for about a year and it's patchy. A few online shops take USDC on polygon or arbitrum but you're mostly stuck buying gift cards or VPN subscriptions. The pub down the road looks at me like I've grown a second head if i mention paying in anything but sterling. Till the payment rails catch up we're all playing this weird game of pass-the-parcel with our own money. Annoying as shit.