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Tether CEO’s Calculated Media Blitz Reveals Bold Strategy for U.S. Dominance
BitcoinWorld Tether CEO’s Calculated Media Blitz Reveals Bold Strategy for U.S. Dominance In a striking pivot for a company long viewed with skepticism, Tether CEO Paolo Ardoino has launched a coordinated media offensive across major financial publications. This calculated move, observed in late 2025, coincides precisely with Tether’s launch of USAT, its first U.S.-regulated stablecoin, signaling a profound strategic shift from offshore operator to mainstream financial contender. Tether’s Regulatory Pivot and the USAT Launch The timing of Paolo Ardoino’s interviews with Fortune, Bloomberg, and Reuters is far from coincidental. This media blitz directly aligns with Tether’s introduction of USAT, a dollar-pegged stablecoin issued through Anchorage Digital Bank. USAT represents Tether’s first product explicitly designed to comply with evolving federal regulations, marking a decisive turn toward the U.S. market it historically avoided. This launch occurs amid intensifying competition. Financial giants like Fidelity Investments, JPMorgan Chase, and PayPal have all entered the stablecoin arena. Consequently, Tether faces direct competition with Circle’s USDC on its home turf. Ardoino’s visibility, therefore, serves a dual purpose: announcing a new product and actively repositioning Tether’s brand from controversial outlier to legitimate, essential infrastructure. The Context of a Broader Stablecoin Race The stablecoin market is no longer a niche crypto experiment. It has evolved into a battleground for traditional and digital finance. The entry of firms like Fidelity underscores the asset class’s maturation. For Tether, dominance in the global market with USDT, which boasts a $187 billion market capitalization, is no longer sufficient. The new frontier is regulated, institutional adoption within the United States. Ardoino’s narrative heavily emphasizes collaboration with U.S. authorities. He details Tether’s work with the FBI, Secret Service, and nearly 300 global law enforcement agencies. This focus directly counters years of criticism over opacity and alleged illicit use. By highlighting the freezing of $3.5 billion in tokens, primarily linked to scams, he frames blockchain-based stablecoins as superior tools for financial oversight compared to untraceable cash. From Offshore to Mainstream: Rebranding Tether’s Legacy For years, Tether operated under a cloud of regulatory scrutiny and media suspicion. Reports often labeled the company opaque, and its reserves were a constant subject of debate. Ardoino acknowledges this past but presents a story of transformation. He argues Tether’s resilience was proven during the TerraLuna collapse in spring 2022, when it processed $20 billion in redemptions without breaking its peg. A key pillar of this new legitimacy narrative is Tether’s reserve management. Ardoino states the company holds $30 billion in excess reserves beyond its liabilities. Significantly, these reserves are managed by Cantor Fitzgerald, the firm formerly led by Howard Lutnick, now the U.S. Commerce Secretary. This connection creates a complex interplay between private finance and public policy, lending institutional credibility to Tether’s operations. Key Stablecoin Competitors in the U.S. Market (Late 2025) Issuer Stablecoin Key Feature Regulatory Status Tether USAT New U.S.-focused product Issued via federally-chartered bank Circle USDC Incumbent regulated stablecoin Long-established U.S. compliance Fidelity Fidelity USD (FUSD) Backed by financial giant Subject to new federal rules PayPal PayPal USD (PYUSD) Integrated with payment network Evolving regulatory framework Addressing Criticism and Framing the Narrative Ardoino does not shy away from past controversies. When questioned about reports detailing Tether’s use in money laundering schemes, he dismisses the volumes involved as a “drop in the ocean.” He employs a common tech industry analogy, comparing it to illicit use of iPhones or Toyotas. His core argument shifts the focus from criticism to utility, particularly financial inclusion. He passionately details Tether’s role in economies with hyperinflation, like Argentina and Turkey, where local currencies have lost immense value. For Tether’s 536 million users, Ardoino claims, USDT acts as a digital dollar savings account—a lifeline for stability rather than a yield-generating tool. This user base, growing by 30 million per quarter, forms the foundation of his “biggest financial inclusion success story” claim. Beyond Stablecoins: Tether’s Expansive Ambitions Paolo Ardoino’s vision extends far beyond dollar-pegged tokens. Tether’s strategy now resembles a diversified holding company or sovereign wealth fund. Its investments span multiple sectors, which Ardoino insists are interconnected to ensure long-term stability. Tether Gold (XAUT): With $2.6 billion in circulation and roughly 140 tons of physical gold held, Tether is positioning itself as a major private gold bank, aiming to make gold a usable currency again via blockchain. Artificial Intelligence: Through its decentralized AI platform, Qvac, Tether aims to serve populations underserved by costly, centralized AI services, mirroring its financial inclusion mission. Strategic Investments: Tether has committed over $1 billion to AI robotics firm Neura, $775 million to Rumble, and significant sums to satellites, data centers, and agriculture. These moves, including a stake in Juventus soccer club, are framed as building a resilient, interlocking ecosystem. This expansion highlights a fundamental shift. Tether is leveraging the enormous profits from its reserve interest—reportedly over $15 billion in 2025—to build a broad-based technology and infrastructure conglomerate. The goal, as stated by Ardoino, is to create a company that can “stand the test of time.” Navigating the Political and Regulatory Landscape The U.S. regulatory environment remains a critical challenge. The pending CLARITY Act, which would prohibit stablecoin issuers from paying interest, could ironically benefit Tether by cementing its existing no-yield model while hindering competitors. Ardoino expresses hope that both major U.S. political parties will see value in Tether’s role in dollar digitization and financial inclusion. His media strategy is a core part of this political and educational effort. By engaging directly with mainstream financial press, Ardoino seeks to demystify Tether, address criticisms head-on, and articulate a future where the company is not just tolerated but seen as essential to the global financial system’s stability and reach. Conclusion Paolo Ardoino’s media blitz is a masterclass in strategic repositioning. It is a deliberate, multi-pronged campaign to launch a new product (USAT), rebrand a controversial company, and stake a claim in the future of regulated digital finance. By emphasizing compliance, collaboration with law enforcement, and a mission of global financial inclusion, Ardoino is attempting to rewrite Tether’s narrative. The success of this effort will depend not only on messaging but on Tether’s ability to operate transparently under the spotlight of U.S. regulation and intense competition. The stablecoin race has entered a new, more complex phase, and Tether’s CEO is ensuring his company is at the center of the conversation. FAQs Q1: What is USAT, and how is it different from USDT? A1: USAT is Tether’s new U.S.-regulated stablecoin, issued through Anchorage Digital Bank to comply specifically with federal rules. It is separate from USDT, Tether’s flagship global stablecoin with $187 billion in circulation, which does not meet the new U.S. regulatory requirements. Q2: Why is Paolo Ardoino doing so many interviews now? A2: The media blitz is a coordinated strategy to launch USAT, rebrand Tether as a compliant entity, and counter years of negative perception. It coincides with increased competition from firms like Fidelity and a critical juncture in U.S. stablecoin regulation. Q3: How does Tether address concerns about its use in illegal finance? A3: Ardoino states Tether works with hundreds of law enforcement agencies globally, has frozen $3.5 billion in tokens linked mainly to scams, and argues blockchain transparency makes it easier to track than cash. He calls past illicit use a minimal fraction of total volume. Q4: What are Tether’s main competitive advantages? A4: Tether cites its massive scale ($187B market cap), first-mover advantage, proven resilience during market stress (e.g., TerraLuna collapse), $30B in excess reserves, and a vast user base in emerging economies seeking dollar stability. Q5: What is Tether’s long-term strategy beyond stablecoins? A5: Tether is diversifying into a multi-faceted holding company, with major investments in physical gold (Tether Gold), artificial intelligence (Qvac platform), robotics, media, and infrastructure, aiming to build a resilient, interlocking financial and technology ecosystem. This post Tether CEO’s Calculated Media Blitz Reveals Bold Strategy for U.S. Dominance first appeared on BitcoinWorld .
bitcoinworld·2h ago
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Crypto Savings Accounts with EUR Support: Why Holders Choose Clapp Flexible Savings
For European crypto holders, earning yield is no longer about chasing the highest number on a banner. From lock-ups, unclear terms, and sudden rule changes, priorities are shifting toward liquidity, transparency, and reliable access to EUR. This is where Clapp Flexible Savings stands out. Instead of forcing users to choose between traditional banking and crypto-yield products, Clapp combines both into a single, straightforward savings experience. The Problem with Most Crypto Savings Accounts in Europe Many crypto savings products still inherit the same structural flaws: Funds are locked for fixed terms to access competitive rates Interest is credited monthly or irregularly EUR support is indirect or requires conversion into stablecoins Rates depend on loyalty tiers or platform tokens Yield mechanics are unclear For users who want predictable income and fast access to their money, these trade-offs are increasingly hard to justify. What Makes EUR Support a Decisive Factor Most crypto platforms treat EUR as a temporary on-ramp rather than a balance you can actively earn on. Users often need to convert fiat into stablecoins, accept FX exposure, and pay extra fees just to start earning yield. Clapp features EUR native savings via SEPA Instant, so users can deposit euros directly and start earning interest immediately — without conversions, trading steps, or delays. This makes Clapp particularly practical for EU residents who manage both fiat and crypto side by side. Clapp Flexible Savings: How It Works Clapp Flexible Savings is designed for simplicity and control. Deposit EUR, USDC, or USDT Interest is calculated and credited daily Funds remain fully liquid Withdraw anytime without penalties or rate reductions There are no fixed terms, no staking mechanics, and no exposure to volatile platform tokens. Clear and Predictable Yields Clapp offers a fixed 5,2% APY on stablecoins and EUR, displayed directly in the app. There are: no “up to” rates no loyalty tiers no hidden conditions What users see is exactly what they earn. This clarity is one of the main reasons holders choose Clapp over more complex yield platforms. Daily Interest and Full Liquidity Daily interest payouts allow balances to compound more frequently and give users immediate feedback on their savings performance. More importantly, liquidity is never compromised. Users can: withdraw funds instantly move assets at any time sell USDT or convert balances without affecting their rate This combination of daily yield and unrestricted access is still uncommon in the European crypto savings landscape. Low Entry Threshold, Practical Use Case Clapp Flexible Savings is accessible from 10 EUR, USDC, or USDT, making it suitable both for cautious first-time users and for larger balances. This low minimum supports gradual adoption and removes the pressure to commit large sums upfront. Security and Regulatory Clarity Clapp Finance operates as a registered Virtual Asset Service Provider (VASP) in the Czech Republic, following EU AML and compliance standards. User assets are safeguarded through Fireblocks’ institutional-grade custody infrastructure, which is widely used by regulated financial institutions. For many holders, this regulatory positioning provides a level of confidence that purely offshore platforms cannot offer. Why Holders Choose Clapp Clapp appeals to users who want their savings product to behave like a savings account — not a speculative instrument. Holders typically value: native EUR earning daily interest with instant access fixed, transparent yields no lock-ups or loyalty schemes EU regulatory alignment Instead of optimizing for maximum theoretical APY, Clapp optimizes for usability, predictability, and control. Final Thoughts Crypto savings in Europe are evolving. As regulation tightens and users become more selective, products that combine transparency, liquidity, and fiat compatibility gain an advantage. Clapp Flexible Savings fits this shift. By offering EUR-native deposits, daily interest, and unrestricted access to funds, it provides a practical savings option for crypto holders who want clarity rather than complexity. For users who keep part of their portfolio in EUR and stablecoins and expect immediate access at all times, Clapp offers a savings model aligned with how money is actually used. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
bitzo·6h ago
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US authorities arraign Indian duo over fraud, money laundering charges
United States authorities have arrested two Indian nationals on charges of money laundering. The arrest and charges follow an investigation into a large-scale scam operation that targeted victims across several states. Following their arrest, the suspects are facing three counts of money laundering each. The suspects, Tejas Patel and Navya Bhatt, were part of a network of scammers terrorizing residents across several states. Authorities mentioned that the duo allegedly played several roles in a series of scams that saw them steal thousands of dollars from victims in Ohio, Michigan, and Pennsylvania. Investigators claimed that the scam included PayPal fraud, fake Microsoft computer repair schemes, and other Bitcoin and digital assets-related schemes. The United States arrests Indians targeting Americans in scam activities According to authorities, the Indian scammers usually instruct their victims to make payments using unusual methods. Some forms of payment include gold bars, cryptocurrency, and large amounts of cash at different locations. Court documents revealed how one woman in Toledo was deceived into handing over more than $40,000 in cash after the suspects falsely claimed they were representatives of the Federal Trade Commission (FTC). Federal authorities mentioned that the money laundering operation was tied to a bigger network involving the concealing and moving of funds obtained through illicit activities. The investigation was led by the FBI’s Cleveland Division Cyber Squad, which focuses primarily on computer-related and financial crimes. Both men were present at a federal court on Friday, where they waived their preliminary hearing. The court documents showed that Bhat was a student at the University of Toledo. Patel is scheduled to return to court on February 6 for a detention hearing. Bhat is presently under an ICE detainer and has not been given another date to appear in court. Other suspects who had already been apprehended before the court received the affidavit were also named in the complaint as being part of the scheme. The affidavit revealed that they played strategic roles to help the network carry out their operations, listing Vedantkumar Patel and Visweswarayya Kunuku as couriers. ED busts illegal call centers in India In a related event, the Enforcement Directorate of India, Jalandhar Zonal Office, announced that it conducted search operations at nine locations across Delhi, Punjab, and Haryana. The search was conducted in connection with a money laundering investigation against individuals involved in operating a financial crime network. The individuals operate illegal call centers, targeting foreign citizens in a bid to scam them out of their cash and digital assets. In the statement issued by the ED, the search operation covered the residential property of Money, Gaurav Verma, and Dakshay Sethi. The ED investigation, which was carried out on intel supplied by the United States Federal Bureau of Investigation (FBI), revealed that the illegal call center had more than 36 employees. The Indian agency claimed that the suspects cheated US victims by acting as technical call support centers. They also falsely claimed to be associated with the IRS on some other occasions. The Indian ED claimed that the criminals were able to convince their victims to transfer funds into their crypto wallets in some cases, while moving the funds to a wallet that they controlled in other cases. The ED claimed that the investigations revealed that some of the criminal proceeds have been moved into real estate by the accused persons. The search operation resulted in the recovery and seizure of several digital devices, cash, and records linking the apprehended individuals to the operation. Sharpen your strategy with mentorship + daily ideas - 30 days free access to our trading program
cryptopolitan·12h ago
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Video Shows iShowSpeed Using USDT for Shopping In Nigeria
Cointelegraph recently shared a video from Paolo Ardoino showing popular internet personality iShowSpeed purchasing in a Nigerian shop using USDT. The clip illustrates how digital assets are becoming a practical option for everyday transactions, even in locations where major international payment systems are unavailable. In the video, Speed browses a selection of earrings. He asks the shopkeeper about the price, and the cost is given in local currency and USD. When Speed inquires about Apple Pay, the shopkeeper confirms that he cannot accept payments through that channel. Speed then suggests USDT, which the shopkeeper accepts. LATEST: Paolo Ardoino shared a video showing iShowSpeed using USDT for shopping in Nigeria. pic.twitter.com/w43xR3qHKA — Cointelegraph (@Cointelegraph) January 30, 2026 Crypto as a Practical Payment Tool The transaction demonstrates that cryptocurrencies can function effectively in real-world commerce. Cryptocurrencies allow buyers to transact without relying on traditional banking infrastructure or digital wallets linked to major credit card systems. In regions like Nigeria, where global payment solutions are limited, crypto payments offer flexibility for both consumers and businesses. Speed’s interaction with the shopkeeper highlights that some merchants are ready to accept digital currencies. The shop’s willingness to process a USDT payment indicates a growing comfort with cryptocurrencies as a medium of exchange. This aligns with broader trends in the region, where merchants are increasingly integrating crypto payment solutions to meet demand. Visibility and Influence The video has brought additional visibility to the use of USDT in practical settings. Assets like XRP are dominating the global payment space , and this video highlights the reach cryptocurrencies now have. The video reinforces the narrative that digital assets are not limited to trading and investment but can be applied in everyday life. The video also highlights the contrast between traditional payment systems and the adoption of cryptocurrencies. While Apple Pay and card payments remain inaccessible in many cases, cryptocurrencies provide a seamless alternative. The transaction emphasizes that crypto can bridge gaps where traditional infrastructure is unavailable, making it a reliable option for global commerce. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Implications for Crypto Adoption Transactions like the one captured in the video contribute to wider acceptance of cryptocurrencies. By demonstrating usability in a real-world setting, they encourage more merchants to consider digital currencies as legitimate payment options. USDT, and other notable stablecoins like RLUSD and USDC, provide predictability, addressing concerns about volatility and making them suitable for routine purchases. Speed’s purchase shows that cryptocurrencies are not limited to niche markets or speculative trading. Instead, they function as a tangible tool for everyday commerce. Banks are already using XRP , and other prominent assets are entering the mainstream financial space. This example from Nigeria demonstrates that adoption is spreading beyond investment circles into ordinary transactions, providing a model for how crypto can integrate with local economies. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Video Shows iShowSpeed Using USDT for Shopping In Nigeria appeared first on Times Tabloid .
timestabloid·13h ago
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From Stablecoin to Cash Engine: Tether Logs $10B Profits in 2025
Tether’s latest attestation shows the world’s largest stablecoin issuer held more assets than liabilities at the end of 2025, according to an independent assurance report released Jan. 30. Tether Confirms Reserve Coverage in ISAE 3000R Assurance Report The report, prepared by BDO Advisory Services under the ISAE 3000R standard, covers Tether International, S.A. de C.V.’s
bitcoin.com·20h ago
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Why USDT’s $50B growth shows capital moving beyond banks
Tether’s $192.8B assets, strong reserves, and efficient infrastructure boost USDT stability, liquidity, and competitive edge.
ambcrypto·23h ago
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A single crypto victim lost $12.25 million in ETH after falling for an "address poisoning" scam
Address poison attackers have stolen 4,556 ETH ($12.25 million) from a single victim after an earlier attack cost a trader $50 million in December last year. An unlucky cryptocurrency victim recently lost 4,556 ETH, valued at $12.25 million, to a sophisticated “address poisoning” attack. The incident was reported by the blockchain security platform Scam Sniffer. Traders are now being warned to never copy addresses from their transaction history due to an increase in address poisoning scams. How do scammers use ‘address poisoning’ to steal millions? Overall, there has been a record-breaking surge in crypto theft, including a nearly $50 million loss in December 2025 and over 1 million poisoning attempts being detected every day on the Ethereum network. The victim, using the address 0xd6741220a947941bF290799811FcDCeA8AE4A7Da, intended to send funds to a legitimate contact. However, they unknowingly copied a “poisoned” address from their transfer history. The scammer’s address (0x6d9052b2DF589De00324127fe2707eb34e592e48) was specifically designed to look like the correct one (0x6D90CC8Ce83B6D0ACf634ED45d4bCc37eDdD2E48). Address poisoning attacks take advantage of human error, and how crypto wallets display addresses for easier viewing. For example, an address might be shown as 0x6D90…2E48. Scammers use powerful software to generate millions of “vanity” addresses until they find one that matches those first and last few characters. Once they have a matching address, they send a tiny amount of crypto or even a transaction with zero value to a user’s wallet, which puts the scammer’s address into their recent history. The next time the user attempts to copy that address from their history, they could very easily mistake the scammer’s address for the correct one. Once sent, the money is gone forever because blockchain transactions cannot be reversed. Security experts from companies like Cyvers and Immunefi report that these attacks are now happening at an industrial scale. In January 2026, Ethereum transactions hit an all-time high of over 2.8 million per day, and analysts from Citi believe a large portion of this activity is caused by scammers sending millions of these “poison” transactions to catch a few unlucky victims. Other major crypto thefts have happened recently Another trader lost nearly $50 million (49,999,950 USDT) in a similar poisoning attack back in December 2025. In that case, the victim even sent a “test transaction” of 50 USDT to be safe. However, the scammer’s automated script immediately saw the test and “poisoned” the history before the victim could send the remaining $50 million. The attacker quickly converted the stolen funds into DAI and then ETH to prevent the money from being frozen. On January 21, 2026, the Saga EVM blockchain had to be paused after a hack drained $7 million. Earlier in January, the Truebit protocol lost $26.6 million in ETH when an attacker exploited an older security hole in its system, sending the token’s price crashing by nearly 100%. Even larger organizations like the French crypto tax platform called Waltio received a ransom demand from the ShinyHunters hacker group, which was claiming to have stolen data from 50,000 users. In 2025 alone, over $17 billion was stolen through various scams. Chainalysis reports that “impersonation scams,” which include address poisoning, grew by a staggering 1,400% compared to the year before. Get seen where it counts. Advertise in Cryptopolitan Research and reach crypto’s sharpest investors and builders.
cryptopolitan·1d ago
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How Well Did the Tron Network Perform in 2025? CryptoQuant Offers Insights
The Tron network performed relatively well in 2025, recording a trend of high throughput and sustained activity. The year also highlighted the network’s scalability, competitiveness in the industry, user retention, and economic utility. Analysts at the market research firm CryptoQuant have published a special report reviewing Tron’s journey over the past year. The publication, shared with CryptoPotato , examines the impact of new developments, such as lower fees and TRX’s growth as a native cryptocurrency. Tron Network Activity Surges According to CryptoQuant, Tron network activity reached structural highs, with peaks in monthly transaction volume and active addresses. Monthly transactions recorded an all-time high (ATH) of 323 million in December, rising 39% from December 2024. On the other hand, monthly active addresses peaked at 35.5 million and ended the year at 31.3 million, a 24% year-over-year (YoY) increase. The rise in transactions per active address surged to a two-year high of 10.5, up from 9.2 in December 2024. This indicated a rise in user intensity and deeper engagement beyond simple address growth. Tron implemented a 60% cut in unit energy price in August 2025, slashing average transaction fees by 65% to $0.53, the lowest since September 2023. This caused fee revenues to fall, with monthly figures declining from $399 million pre-cut to $183 million in December. Analysts insist the development reflected a strategic trade-off prioritizing throughput and usage over per-transaction revenue. Evaluating the ecosystem as a whole, Tron witnessed an expansion in decentralized finance (DeFi) and liquidity layers. DeFi platforms like SunSwap and JustLend averaged billions of dollars in liquidity. The former sustained a monthly average of $3.1 billion in wrapped TRX (WTRX) swap volume, while the latter’s deposits soared 56% YoY to $12.8 billion. The Dominant USDT Rail Last year, TRX recorded high transfers in USD terms, with the total amount standing at $85.2 billion, a 44% increase from 2024 levels. Analysts attributed most of the growth to the rise in the asset’s price – TRX reached a monthly average ATH of $0.34 in September 2025. Contrarily, the total TRX transfers in native units amounted to 309 billion, representing a 27% decline from 2024. The decline occurred because more TRX were staked for voting and network security. About 48% of the TRX supply (45.7 billion coins) is currently staked. Notably, the Tether (USDT) supply on Tron expanded significantly, rising 40% from $58 billion in 2024 to $81 billion last year. USDT bridging volume also jumped 215% YoY to $17.8 billion. Tron is now the dominant USDT transaction rail, having processed more than 825 million USDT transfers last year and ending December with a USDT transaction volume twice that of Ethereum. The post How Well Did the Tron Network Perform in 2025? CryptoQuant Offers Insights appeared first on CryptoPotato .
cryptopotato·1d ago
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Binance USDe Yield Program Sparks Crypto Market Turmoil
OKX CEO Star blames Binance's USDe program for significant crypto market crash on October 10, triggering massive liquidations. Details and analysis inside. Read original article on coincu.com
Coincu·1d ago
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Stablecoin Passive Income in 2026: Where USDT and USDC Actually Earn Interest
Stablecoins were designed to reduce volatility, but over time they have taken on a second role: income generation. In 2026, USDT and USDC are no longer just tools for trading or parking capital. They are widely used as interest-bearing assets that generate predictable returns. The challenge is not finding yield, but understanding where it actually comes from, which platforms are sustainable, and how much flexibility users give up in the process. This article explains how stablecoin passive income works today and highlights the most practical options, with a focus on transparent, flexible savings models like Clapp. Why Stablecoins Are Well-Suited for Passive Income Unlike BTC or ETH, stablecoins are in constant demand. They are used for trading, hedging, liquidity provision, and settlement across both centralized and decentralized markets. This demand creates a natural lending market, which is why stablecoin yields are consistently higher than yields on volatile assets. Stablecoin savings behave more like traditional interest accounts. Returns are steadier, drawdowns are less dramatic, and yields are easier to forecast. In 2026, this makes USDT and USDC the preferred assets for predictable passive income. How Stablecoin Interest Is Generated Stablecoin yield typically comes from one of three sources. Centralized platforms lend USDT and USDC to traders or institutional counterparties. DeFi protocols use them in overcollateralized lending or liquidity pools. Some platforms combine multiple conservative strategies to smooth returns over time. The key distinction is structure. Some products require lockups, tiered balances, or exposure to volatile strategies. Others prioritize liquidity and simplicity, offering lower but more predictable yields. Understanding this difference matters more than chasing headline APYs. Clapp Flexible Savings: Stablecoin Yield With Full Liquidity Clapp Flexible Savings account is designed around the idea that passive income should not limit access to funds. Users can earn interest on USDT and USDC with daily compounding, instant access, and no lockups. The APY is fixed and clearly displayed in the app. Clapp offers 5.2% APY on stablecoins , without tiers, loyalty requirements, or “up to” language. Interest begins accruing immediately after deposit and is credited daily, making growth easy to track. Liquidity is central to the product. Funds remain available at all times. Users can withdraw, convert, or move stablecoins without losing accrued interest or triggering penalties. This makes Clapp suitable not only for long-term savers, but also for users who actively manage liquidity between crypto and fiat. From an infrastructure standpoint, Clapp Finance operates as a registered VASP in the Czech Republic, under EU AML and compliance standards. Digital assets are secured via Fireblocks’ institutional-grade custody, addressing one of the main concerns users have when earning yield on stablecoins. Centralized Exchange Earn Programs Most major exchanges offer stablecoin earn products. These usually come in flexible and fixed-term variants. Flexible products allow withdrawals at any time, but rates fluctuate. Fixed-term deposits offer higher APYs, but funds are locked for a defined period. These programs are easy to access and integrated into trading accounts, but they often rely on variable rates and promotional incentives. For users who value clarity and consistency, this can make long-term planning difficult. DeFi Lending and Liquidity Protocols DeFi platforms such as Aave, Compound, and similar protocols allow users to lend USDT or USDC directly on-chain. Yields adjust dynamically based on utilization and demand. While this approach offers transparency and self-custody, it requires wallet management, gas fees, and acceptance of smart contract risk. Returns can be attractive, but they are less predictable and require more active oversight than centralized savings products. Choosing the Right Stablecoin Income Strategy In 2026, the main trade-off is no longer yield versus safety, but yield versus flexibility. Platforms that promise the highest returns usually restrict access, add complexity, or increase exposure to risk. More conservative products offer lower rates, but provide clarity, daily accrual, and constant liquidity. Clapp sits firmly in the latter category. It does not attempt to maximize yield at all costs. Instead, it offers a stable, understandable return that behaves like a true savings account, rather than a speculative instrument. Key Risks to Keep in Mind Even with stablecoins, passive income is not risk-free. Custodial risk exists on centralized platforms. Smart contract risk exists in DeFi. Stablecoins themselves carry issuer and peg risk. Reducing these risks comes down to transparency, regulation, and simplicity. Products that clearly explain how yield is generated and avoid unnecessary conditions are easier to evaluate and manage over time. FAQ: Earning Passive Income on USDT and USDC How do USDT and USDC generate interest?Interest is generated by lending stablecoins to borrowers, using them in collateralized strategies, or allocating them to liquidity markets. Platforms earn yield from this activity and share it with users. Why are stablecoin yields higher than BTC or ETH yields?Stablecoins are heavily used for trading, hedging, and settlement, which creates constant borrowing demand. BTC and ETH are more often held long term, resulting in lower lending demand and lower yields. Is stablecoin passive income risk-free?No. While stablecoins reduce price volatility, risks still exist. These include custodial risk on centralized platforms, smart contract risk in DeFi, and issuer or peg risk related to the stablecoin itself. What is the difference between flexible and fixed stablecoin savings?Flexible savings allow withdrawals at any time while continuing to earn interest. Fixed savings require locking funds for a set period in exchange for higher rates but reduced liquidity. Can I withdraw stablecoins without losing interest?With true flexible savings accounts like Clapp, yes. Withdrawals do not affect accrued interest, and there are no penalties or rate reductions for accessing your funds. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
bitzo·1d ago
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AboutTether (USDT) is a cryptocurrency with a value meant to mirror the value of the U.S. dollar. The idea was to create a stable cryptocurrency that can be used like digital dollars. Coins that serve this purpose of being a stable dollar substitute are called “stable coins.” Tether is the most popular stable coin and even acts as a dollar replacement on many popular exchanges! According to their site, Tether converts cash into digital currency, to anchor or “tether” the value of the coin to the price of national currencies like the US dollar, the Euro, and the Yen. Like other cryptos it uses blockchain. Unlike other cryptos, it is [according to the official Tether site] “100% backed by USD” (USD is held in reserve). The primary use of Tether is that it offers some stability to the otherwise volatile crypto space and offers liquidity to exchanges who can’t deal in dollars and with banks (for example to the sometimes controversial but leading exchange Bitfinex) The digital coins are issued by a company called Tether Limited that is governed by the laws of the British Virgin Islands, according to the legal part of its website. It is incorporated in Hong Kong. It has emerged that Jan Ludovicus van der Velde is the CEO of cryptocurrency exchange Bitfinex, which has been accused of being involved in the price manipulation of bitcoin, as well as tether. Many people trading on exchanges, including Bitfinex, will use tether to buy other cryptocurrencies like bitcoin. Tether Limited argues that using this method to buy virtual currencies allows users to move fiat in and out of an exchange more quickly and cheaply. Also, exchanges typically have rocky relationships with banks, and using Tether is a way to circumvent that. USDT is fairly simple to use. Once on exchanges like Poloniex or Bittrex, it can be used to purchase Bitcoin and other cryptocurrencies. It can be easily transferred from an exchange to any Omni Layer enabled wallet. Tether has no transaction fees, although external wallets and exchanges may charge one. In order to convert USDT to USD and vise versa through the Tether.to Platform, users must pay a small fee. Buying and selling Tether for Bitcoin can be done through a variety of exchanges like the ones mentioned previously or through the Tether.to platform, which also allows the conversion between USD to and from your bank account.
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Aptos EcosystemAvalanche EcosystemCelo EcosystemEthereum EcosystemFTX HoldingsFiat-backed StablecoinKaia EcosystemKava EcosystemNear Protocol EcosystemSolana EcosystemStablecoinsTON EcosystemTezos EcosystemTron EcosystemUSD StablecoinWorld Liberty Financial Portfolio
Date
Market Cap
Volume
Close
February 01, 2026
$185.16B
$98.18B
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February 01, 2026
$185.17B
$138.81B
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January 31, 2026
$185.57B
$130.42B
$0.9985
January 30, 2026
$185.57B
$113.82B
$0.9985
January 29, 2026
$186.06B
$76.05B
$0.9985
January 28, 2026
$186.29B
$79.39B
$0.9987
January 27, 2026
$186.34B
$87.52B
$0.999
January 26, 2026
$186.71B
$70.49B
$0.999
January 25, 2026
$186.63B
$33.89B
$0.9986
January 24, 2026
$186.67B
$79.84B
$0.9988

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