{"id":4163,"date":"2025-04-18T15:06:07","date_gmt":"2025-04-18T15:06:07","guid":{"rendered":"https:\/\/guardarian.com\/blog\/?p=4163"},"modified":"2026-03-17T09:01:43","modified_gmt":"2026-03-17T09:01:43","slug":"stablecoins-decoded","status":"publish","type":"post","link":"https:\/\/guardarian.com\/blog\/stablecoins-decoded","title":{"rendered":"Stablecoins Decoded"},"content":{"rendered":"<p><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Stablecoins are like the steady hand in the world of cryptocurrency. While <a style=\"color: #000000;\" href=\"https:\/\/guardarian.com\/buy-btc\"><strong>Bitcoin<\/strong><\/a> and <strong><a style=\"color: #000000;\" href=\"https:\/\/guardarian.com\/buy-eth\">Ethereum<\/a><\/strong> can see massive price swings, stablecoins are pegged to stable assets like the US dollar, euro, or even gold. This makes them perfect for everyday transactions, savings, and global payments. <strong>But why exactly are they becoming so popular?<\/strong><\/span><\/p>\n<p><span style=\"font-size: 18pt; color: #000000;\"><b>A Quick Look at the Most Trusted Stablecoins<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Several stablecoins have earned trust and widespread use, and they\u2019re leading the charge in the market:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-size: 12pt; color: #000000;\"><b><a href=\"https:\/\/guardarian.com\/buy-usdt-trx\">USDT (Tether) <\/a><\/b>&amp; <b><a href=\"https:\/\/guardarian.com\/buy-usdc-sol\">USDC (Circle)<\/a><\/b><span style=\"font-weight: 400;\"> \u2013 The dollar-backed giants.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-size: 12pt; color: #000000;\"><a href=\"https:\/\/guardarian.com\/buy-dai-eth\"><b>DAI (MakerDAO)<\/b><\/a><span style=\"font-weight: 400;\"> \u2013 A decentralized alternative for more control.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-size: 12pt; color: #000000;\"><b><a href=\"https:\/\/guardarian.com\/buy-pyusd-sol\">PYUSD<\/a> <a href=\"https:\/\/www.paypal.com\/us\/home\" rel=\"nofollow noopener\" target=\"_blank\">(PayPal)<\/a><\/b><span style=\"font-weight: 400;\"> \u2013 A bridge between traditional finance and crypto.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-size: 12pt; color: #000000;\"><b><a href=\"https:\/\/guardarian.com\/buy-eurr-eth\">EURR<\/a>, <a href=\"https:\/\/guardarian.com\/buy-usdr-eth\">USDR<\/a>, <a href=\"https:\/\/guardarian.com\/buy-usdq-eth\">USDQ<\/a>, EURQ<\/b><span style=\"font-weight: 400;\"> \u2013 Expanding options with euro and dollar-pegged choices, now available on <strong><a href=\"https:\/\/guardarian.com\/\">Guardarian<\/a><\/strong>.<\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt; color: #000000;\"><span style=\"font-weight: 400;\">These stablecoins offer the best of both worlds: the speed and borderless nature of crypto with the stability of traditional money, that\u2019s why in 2024, stablecoins processed <b style=\"font-size: 12pt;\">$27.6 trillion in transactions<\/b><span style=\"font-size: 12pt;\">\u2014more than Visa and Mastercard combined. Their market cap is rapidly approaching <\/span><b style=\"font-size: 12pt;\">$200 billion<\/b><span style=\"font-size: 12pt;\">, and for good reason: they address real financial problems and offer reliable solutions in an ever-changing financial landscape.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-size: 18pt; color: #000000;\"><b>How Stablecoin Issuers Make Money<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Wondering how issuers of stablecoins like Tether and USDC make money? Here\u2019s how it works:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-size: 12pt; color: #000000;\"><span style=\"font-weight: 400;\">You <a href=\"https:\/\/guardarian.com\/buy-stablecoins\"><strong>buy stablecoins<\/strong><\/a> (e.g., $100 USDC).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-size: 12pt; color: #000000;\"><span style=\"font-weight: 400;\">The issuer holds that money in secure reserves, often in U.S. Treasuries.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-size: 12pt; color: #000000;\"><span style=\"font-size: 12pt; color: #000000;\"><span style=\"font-weight: 400;\">They earn 5%+ annual interest on those reserves.<\/span><\/span><\/span><\/li>\n<\/ol>\n<p><span style=\"font-size: 12pt; color: #000000;\"><span style=\"font-weight: 400;\">With minimal overhead and no need for bank branches, the profits soar. For example, Tether made <\/span><b>$13 billion<\/b><span style=\"font-weight: 400;\"> in 2024\u2014 more than Goldman Sachs, with a fraction of the costs.<\/span><\/span><\/p>\n<p><span style=\"font-size: 18pt; color: #000000;\"><b>Where Stablecoins Are Making a Real Difference<\/b><\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\"><b><span style=\"font-size: 12pt;\">Cheaper Cross-Border Payments: <\/span><\/b><span style=\"font-size: 12pt;\">t<\/span><span style=\"font-weight: 400; font-size: 12pt;\">raditional remittance services charge 2-3% per transfer. Stablecoins? Less than a cent, and done in minutes. This is changing the game for international money transfers.<\/span><\/span><\/li>\n<li><span style=\"font-size: 12pt; color: #000000;\"><b>Freelancers &amp; Global Commerce: <\/b><span style=\"font-weight: 400;\">From remote workers to global import\/export businesses, stablecoins are becoming the go-to solution for fast, low-fee payments across borders.<\/span><\/span><\/li>\n<li><span style=\"font-size: 12pt; color: #000000;\"><b>Africa: A Stablecoin Success Story: In countries like Nigeria and South Africa, where local currencies are volatile, stablecoins like USDT and USDC help people protect savings and facilitate global trade. Beyond stablecoins, demand for faster assets is also growing &#8211; many Nigerian users now look to <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/guardarian.com\/buy-sol-in-nigeria\">buy Solana with Naira<\/a><\/strong> as an alternative to traditional remittance routes.<\/b><span style=\"font-weight: 400;\">\u00a0In 2023, <\/span><b>43% of Africa\u2019s crypto volume<\/b><span style=\"font-weight: 400;\"> came from stablecoins\u2014surpassing Bitcoin and Ethereum.<\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 18pt; color: #000000;\"><b>\u26a0\ufe0f When Stablecoins Fail: The $FDUSD Depegging Drama<\/b><\/span><\/p>\n<p><span style=\"color: #000000; font-size: 12pt;\"><span style=\"font-weight: 400;\">Not all stablecoins are bulletproof. <img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4170 alignright\" src=\"https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b.png\" alt=\"\" width=\"228\" height=\"298\" srcset=\"https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b.png 1170w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b-919x1200.png 919w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b-230x300.png 230w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b-768x1002.png 768w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b-1080x1410.png 1080w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b-980x1279.png 980w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/af314761fac249fba46c3631adf8e36b-480x626.png 480w\" sizes=\"auto, (max-width: 228px) 100vw, 228px\" \/>Recently, <\/span><b>FDUSD<\/b><span style=\"font-weight: 400;\">, a stablecoin issued by <strong><a href=\"https:\/\/firstdigitallabs.com\/\" rel=\"nofollow noopener\" target=\"_blank\">First Digital Labs<\/a><\/strong>, lost its peg after concerns about its reserves arose. The price dropped to <\/span><b>$0.87<\/b><span style=\"font-weight: 400;\">, and although it partially recovered to <\/span><b>$0.97<\/b><span style=\"font-weight: 400;\">, the incident left traders questioning its reliability. <\/span><\/span><\/p>\n<p><span style=\"font-weight: 400; color: #000000; font-size: 12pt;\">What went wrong?\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"color: #000000; font-size: 12pt;\"><span style=\"font-weight: 400;\">Lack of real-time reserve transparency<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"color: #000000; font-size: 12pt;\"><span style=\"font-weight: 400;\">Market panic triggering a sell-off<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"color: #000000; font-size: 12pt;\"><span style=\"font-weight: 400;\">Slow issuer response<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/li>\n<\/ul>\n<blockquote><p><strong><span style=\"color: #000000; font-size: 12pt;\">This is a reminder that not all stablecoins are created equal.<\/span><\/strong><\/p><\/blockquote>\n<p><span style=\"font-size: 18pt; color: #000000;\"><b>How to Pick the Right Stablecoin<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400; color: #000000; font-size: 12pt;\">Price stability is just the start. If you&#8217;re considering using stablecoins seriously, here\u2019s what you should ask before buying:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4165 alignleft\" src=\"https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072.png\" alt=\"\" width=\"353\" height=\"278\" srcset=\"https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072.png 1656w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-1524x1200.png 1524w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-300x236.png 300w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-768x605.png 768w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-1536x1210.png 1536w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-1080x850.png 1080w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-1280x1008.png 1280w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-980x772.png 980w, https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_4202444072-480x378.png 480w\" sizes=\"auto, (max-width: 353px) 100vw, 353px\" \/><\/p>\n<p><span style=\"color: #000000; font-size: 12pt;\"><span style=\"font-weight: 400;\">\u2705 Are reserves audited and transparent? (Look for <strong><a href=\"https:\/\/www.spglobal.com\/ratings\/en\/products-benefits\/products\/stablecoin-stability-assessment\" rel=\"nofollow noopener\" target=\"_blank\">S&amp;P Global<\/a><\/strong> or <strong><a href=\"https:\/\/bluechip.org\/compare\" rel=\"nofollow noopener\" target=\"_blank\">Bluechip ratings<\/a><\/strong>)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2705 Are they backed by safe, low-risk assets (like U.S. Treasuries)?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> \u2705 Are they widely accepted in DeFi and exchanges?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> \u2705 Does the coin maintain its peg during market turbulence?<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400; color: #000000; font-size: 12pt;\">Choosing a stablecoin with solid backing means less risk and fewer headaches.<\/span><\/p>\n<p class=\"\" data-start=\"4339\" data-end=\"4565\"><span style=\"font-size: 12pt;\"><span style=\"color: #000000;\"><strong data-start=\"4394\" data-end=\"4408\">Ready to dive into the world of stablecoins? <a href=\"https:\/\/guardarian.com\/\">Guardarian<\/a><\/strong> offers a seamless way to buy, sell, swap stablecoins with over <strong>50+ fiat currencies and 8 local payment methods. <\/strong>Low fees, low KYC. <\/span><span style=\"color: #000000;\"><a class=\"\" style=\"color: #000000;\" href=\"https:\/\/guardarian.com\" target=\"_new\" rel=\"noopener\" data-start=\"4589\" data-end=\"4651\">Click here to <strong>start!<\/strong><\/a><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stablecoins are like the steady hand in the world of cryptocurrency. While Bitcoin and Ethereum can see massive price swings, stablecoins are pegged to stable assets like the US dollar, euro, or even gold. This makes them perfect for everyday transactions, savings, and global payments. But why exactly are they becoming so popular? A Quick [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":4166,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[174],"tags":[],"class_list":["post-4163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency-news-and-insights"],"uagb_featured_image_src":{"full":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391.png",2400,1350,false],"thumbnail":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391-300x169.png",300,169,true],"medium":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391.png",2400,1350,false],"medium_large":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391-768x432.png",768,432,true],"large":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391-1920x1080.png",1920,1080,true],"1536x1536":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391-1536x864.png",1536,864,true],"2048x2048":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391-2048x1152.png",2048,1152,true],"rpwe-thumbnail":["https:\/\/guardarian.com\/blog\/wp-content\/uploads\/2025\/04\/tg_image_444676391-45x45.png",45,45,true]},"uagb_author_info":{"display_name":"Angelina","author_link":"https:\/\/guardarian.com\/blog\/author\/angelina"},"uagb_comment_info":2,"uagb_excerpt":"Stablecoins are like the steady hand in the world of cryptocurrency. While Bitcoin and Ethereum can see massive price swings, stablecoins are pegged to stable assets like the US dollar, euro, or even gold. This makes them perfect for everyday transactions, savings, and global payments. But why exactly are they becoming so popular? A Quick&hellip;","_links":{"self":[{"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/posts\/4163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/comments?post=4163"}],"version-history":[{"count":18,"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/posts\/4163\/revisions"}],"predecessor-version":[{"id":7151,"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/posts\/4163\/revisions\/7151"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/media\/4166"}],"wp:attachment":[{"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/media?parent=4163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/categories?post=4163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/guardarian.com\/blog\/wp-json\/wp\/v2\/tags?post=4163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}