USDT是Tether公司推出的基于稳定价值货币美元(USD)的代币Tether USD(简称USDT)，1 USDT=1美元。
USDT was introduced by Tether as a token based on a stable value currency, the United States dollar (USD), and 1 USDT = US$ 1.
根据Tether公司关于USDT的介绍，USDT严格遵守1:1准备金保证，即每发行1个USDT代币，其银行账户都会有1美元的资金保障。简单来说，USDT属于加密数字货币之一，可以在钱包、交易平台上进行转账、存储和消费。但其特别之处在于USDT和美元按1:1的比例锚定。
According to Tether’s presentation on USDT, USDT strictly adheres to the 1:1 reserve guarantee that its bank account will have a $1 guarantee for every USDT token issued. In short, USDT is one of the encrypted digital currencies that can be transferred, stored and consumed on wallets, trading platforms.
随着市场对USDT需求的增加，USDT运行到今天已经不仅仅在一个区块链网络上运行了。这也意味着目前市场上的USDT有三种类型：USDT-OMNI、USDT-ERC20、USDT-TRC20。
As the market’s demand for USDT increases, USDT is running today more than just a network of blocks. This also means that there are three types of USDT in the current market: USDT-OMNI, USDT-ERC20, USDT-TRC20.
USDT-OMNI
2014年11月，USDT于比特币网络上诞生，于2015年2月正式上线几大主流交易所。在2018年之前，USDT的转账路径只有一条，那就是基于比特币网络的USDT-OMNI。USDT-OMNI存储在比特币地址上，因此每次转账的时候，需要支付比特币作为矿工手续费。USDT-OMNI于比特币网络的链上，黑客攻击的成本很高，所以资产相对安全性较高。但是其交易速度非常慢，已经无法满足当今加密交易市场的需求，但很多大宗交易还是会倾向于USDT-OMNI。
In November 2014, USDT was born on the Bitcoin network and officially launched several major mainstream exchanges in February 2015. By 2018, USDT had only one route to transfer, which is USDT-OMNI, based on the Bitcoin network. USDT-OMNI was stored at the Bitcoin address, so that at each time it was transferred, Bitcoin was paid as a charge for miners. USDT-OMNI had a high cost of hacking on the Bitcoin network, so assets were relatively secure.
USDT-ERC20
2018年初，以太坊网络爆红，智能合约普及于区块链应用，USDT-ERC20出现。和USDT-OMNI一样，使用USDT-ERC20同样需要支付矿工费，但转账速度有了显著的提升。由于安全性好、转账速度快，USDT-ERC20被市场广泛接受。
At the beginning of 2018, there was a proliferation of smart contracts for block-chain applications, USDT-ERC20. Like USDT-OMNI, the use of USDT-ERC20 also required the payment of miners’ fees, but the speed of transfers increased significantly. With good security and speed of transfer, USDT-ERC20 was widely accepted in the market.
USDT-TRC20
2019年4月，泰达公司宣布在波场上发行了基于TRC-20协议的USDT，USDT-TRC20诞生。USDT-TRC20发行时承诺完全公开透明，零转账费，秒级到账。和前两者不同的是，目前USDT-TRC20转账是不收取手续费的，这也是波场打造的一个亮点。但目前USDT-TRC20的发展还不是很成熟，也无法保证安全性。
In April 2019, Teda announced the launch of the TRC-20-based USDT-TRC20 on the market. The release of the USDT-TRC20 promised full transparency, zero transfer fees, and second-class payment.
三者的区别
The difference between the three.
三种类型的USDT在交易所内并没有差别，但在链上是不互通的。也就是说Omni上的USDT是无法转到另外两条链上的，所以在交易所充提USDT时一定要留意地址种类。
The three types of USDT are not different in the exchange, but they are not interoperable in the chain. That is to say, the USDT on Omni cannot be transferred to the other two chains, so it is important to keep an eye on the type of address when the exchange fills in the USDT.
USDT-OMNI的地址是以1开头
USDT-OMNI address starts with 1
USDT-ERC20的地址是以0x开头
USDT-ERC20 address starts with 0x
USDT-TRC20的地址是以T开头
USDT-TRC20 address starts with T.
USDT-OMNI的安全性最好，但转账速度太慢。如果有不着急交易的大额订单，可以优先选择USDT-OMNI。
USDT-OMNI is the best security, but transfers are too slow. If there are large orders that do not rush, preference is given to USDT-OMNI.
USDT-ERC20的安全性和转账速度居中，适用于数字货币市场的频繁交易。如果经常做短线交易，可以优先选择USDT-ERC20。
The security and speed of transfers in USDT-ERC20 are in the middle and apply to frequent transactions in the digital currency market.
USDT-TRC20的转账速度最快，而且链上转账无需手续费，但安全性比较低。如果非常在意交易速度，可以考虑USDT-TRC20，建议小额为主。
USDT-TRC20 transfers are the fastest and the chain transfers are free of charge, but less secure. If you are very concerned about the speed of the transaction, you can consider USDT-TRC20, which is recommended to be small.
最后提醒
Last reminder.
由于三条链不互通，在转账时需要选择正确的钱包地址，以免财产受损。如果平台充USDT错到BTC、ETH、TRX的充值地址时，只能找相应的平台客服，部分平台可找回。若充到不支持ERC20\TRC20的USDT的交易平台的ETH或者TRX地址内时，或许需要等待该平台上线相应种类协议USDT后方可提取。
Because the three chains are not connected, the correct wallet address is needed to make the transfer, so that property is not damaged. If the platform is misplaced by the USDT for the BTC, ETH, or TRX, only the corresponding platform's customer service can be found and some of the platforms can be retrieved. If the ETH or TRX address of the trading platform that does not support the ERC's TRC20 may need to wait for the platform to access the corresponding type of USDT before it can be retrieved.
USDC于2018年推出，是 CENTRE 提供的首个服务项目，CENTRE 是在创始成员 Circle 和 Coinbase 的帮助下启动的开源技术项目。USDC与USDT一样，是一种锚定美元的稳定币，由Circle基于CENTRE架构开发、并受到CENTRE一系列政策的监管。USDC和美元1:1挂钩，1USDC=1美元。用户每购买1个USDC，Circle就会存1个USD到指定银行(Silvergate银行)，并将铸造的USDC发给用户。
The USDC, launched in 2018, is the first service provided by CENTRE, a start-up technology project initiated with the help of the founding members of Circle and Coinbase. The USDC, like the USDT, is an anchor dollar stabilizer, developed by Circle on the basis of the CENTRE architecture and regulated by a series of CENTRE policies. The USDC and CENTRE are linked to US$1, USDC = US$1. Each user buys a USDC, Circle deposits a USD to the designated bank (Silvergate Bank) and distributes the original USDC to the user.
相比于USDT，USDC 是一种合法的稳定币。USDC的资产受到银行托管，银行的监管要求更高，资产更安全。
Compared to USDT, USDC is a legal stabilizer. USDC’s assets are held by banks, bank supervision is more demanding, and assets are safer.
USDC的发行方Circle拥有美国、英国和欧盟的支付牌照以及纽约州BitLicense，是加密资产行业全球牌照数目最多的公司，拥有美元、英镑、欧元进出加密资产的合规通路。之后加入CENTRE架构发行USDC的发行方也必须获得当地的加密资产行业牌照。
The USDC issuer, Circle, owns payment plates in the United States, the United Kingdom, and the European Union, as well as BitLicenense, New York, which is the largest global firm in the encrypted asset industry, with compliant access to encrypted assets in United States dollars, pounds sterling, and euros. The issuer that subsequently joined the CENTRE structure to issue USDC will also have to obtain local encrypted asset license plates.
USDC 是以美元作为支持的稳定币，由监管下的金融机构保留在储备金中。该代币本身也由监管下的金融机构发行，且每个代币可以兑换一美元。因为 USDC 是通过以太坊网络运行的 ERC-20 通证，无需经由传统的银行渠道，它可以在数分钟以内将美元转移到世界上的任何角落，无需耗时几天，所需成本也很低。
USDC is a stable currency supported by the United States dollar, which is kept in reserves by regulated financial institutions. The coin itself is issued by regulated financial institutions and can be exchanged for one dollar each. Because the USDC is an ERC-20 pass that operates through the Taiwan network and does not need to go through traditional banking channels, it can move the dollar to any corner of the world in a matter of minutes, without a matter of days, and at very low cost.
作为一种稳定币，USDC不仅能够保值，还可用于对冲风险和跨境交易。目前，在USDC生态系统中，很多合作伙伴已经开始用它来实现智能合约、电子发票、支付结算等功能;未来依靠USDC价格稳定的属性，还可以延展出满足客户要求的更多交易场景，如用USDC来完成商品支付、贷款、报销等服务。通过和 Coinbase 合作，USDC 出现爆炸式增长，而且已经获得了众多交易所的认可。
As a stable currency, USDC not only preserves value, but can also be used for hedge risk and cross-border transactions. At present, in the USDC ecosystem, many partners have begun to use it for smart contracts, electronic invoicing, payment settlements, etc.; relying on the stable properties of USDC prices in the future, it can extend more trading scenes to meet customers’ demands, such as USDC for goods payments, loans, reimbursements, etc.
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