USDT and USDC

上周遇到一位故友，从她那里学到了一些新概念，比如 USDC 和 USDT 的区别。

一开始，我只是觉得挺有趣的，好像可以像炒汇率一样炒币。
昨天突然灵光一闪：那我完全可以走 P2P 市场，把人民币换成 USDT 转出来呀！结果我一通操作猛如虎，果然在币安上找到可以买卖 USDT 的市场。

看上去挺不错，但悲哀的是——在新加坡的币安并不允许我用人民币交易。
所以，还是有管控。不过我确信一定有解决方案。

稳定币真的是一个很有意思的概念，感觉就像是“数字美元”。重点是，Coinbase 给 USDC 的利息有 4%+ ——完胜银行！

最后，新的概念也带给了我实际的好处。
昨天我卖掉了 ETH，以前我都是闭着眼直接换新币，每次看到手续费都觉得平台“很黑”。
这次我动了个小聪明，先把 ETH 换成 USDC，再折出来。虽然没算清楚具体节省多少，但直觉上确实省了一些手续费，哈哈！

Last week, I met up with an old friend and learned some new concepts from her — like the difference between USDC and USDT.

At first, I just thought it was an interesting idea, like trading currencies but in the crypto world.
Then yesterday, it suddenly hit me: I could totally use the P2P market to exchange RMB into USDT and transfer it out! I got really excited and tried it out — sure enough, Binance has markets for buying and selling USDT.

It looked promising, but sadly, in Singapore Binance doesn’t allow RMB trading.
So there’s still regulation in place. But I’m pretty sure there’s got to be a solution somewhere.

Stablecoins are really fascinating — they feel like “digital dollars.” The best part is that Coinbase offers more than 4% interest on USDC. That easily beats any bank!

And one more real benefit: yesterday I sold some ETH. Normally, I’d just blindly swap into SGD, but every time the fees made me feel like the platform was ripping me off.
This time, I got a bit smarter — I converted ETH into USDC first, and then cashed it out. I didn’t record the exact numbers, but it really felt like I saved on fees. Haha!