2024 年,Tether USDt 将成为欧盟薪资支付和储蓄最多的货币;布赖蒂
Tether USDt Tops Salary Payments & Savings In EU In 2024; Brighty

原始链接: https://www.zerohedge.com/crypto/tether-usdt-tops-salary-payments-savings-eu-2024-brighty

根据Brighty的“加密收入者的货币习惯”报告,USDT是2024年在其平台上付款和储蓄的主要货币。USDT占加密货币存款的85%和33%的储蓄,而USD Coin和Bitcoin却占每个共享5%。 TRC-20 USDT是在TRON区块链上发行的,由于交易费用较低,是首选的Stablecoin。但是,欧洲的云母监管框架可能会导致向USDC转变,因为Tether尚未完全遵守云母要求。 Brighty预测了向USDC的挑战性过渡,用户需要时间来适应更改。该报告重点介绍了加密货币的日益普及,这主要是由于交易成本降低。


原文

Authored by Helen Partz via CoinTelegraph.com,

Tether USDt, the world’s largest stablecoin by market capitalization, was the most widely used currency for salary payments and savings on the European crypto banking platform Brighty in 2024, according to a new report.

Brighty’s “Crypto Earners’ Money Habits” report, shared with Cointelegraph, revealed that USDt accounted for 85% of all crypto deposits on the platform.

The stablecoin also ranked as the second-largest savings asset after the euro, representing 33% of all business-to-customer (B2C) savings.

Brighty’s insights on money habits by crypto earners are based on data extracted from its base of 200,000 users for 2024 and additional surveys of 400 crypto earners across the European Union.

Tron-based USDT is the winner

While USDT enjoyed overwhelming dominance among crypto earners, rival stablecoin USD Coin only accounted for 5% of all B2C deposits by earners on Brighty last year.

Bitcoin, the largest cryptocurrency by market cap, saw a similar share of 5%.

The share of currency/digital currency on Brighty’s deposits, withdrawals and card payments. Source: Brighty

According to Brighty’s data, TRC-20 USDT — USDT issued on the Tron blockchain — was the dominant stablecoin on the platform, accounting for more than 60% of overall USDT transactions on the platform.

The dominance of TRC-20 USDT is attributed to lower fees for transacting the stablecoin, as ERC-20 USDT — Ethereum-based USDT — has been associated with higher network fees.

The data aligns with Brighty’s survey results, as at least 70% of respondents cited lower transaction fees as a reason for using crypto for payments more frequently.

Reasons for using crypto for payments by Brighty’s survey respondents. Source: Brighty

Brighty expects a “challenging transition to USDC”

Brighty’s data raises questions in the context of the European crypto framework known as Markets in Crypto-Assets (MiCA), suggesting a potential massive switch in USDT’s dominance.

While Tether’s rival Circle received a MiCA license for issuing its USDC stablecoin last year, Tether has opposed some MiCA requirements, effectively distancing itself from compliance. As such, European crypto asset service providers (CASP) might have to restrict USDT as a noncompliant MiCA stablecoin, according to some industry observers.

“Historically, USDT represented more than half of all crypto utilized by users,” Brighty’s co-founder and chief technology officer, Nick Denisenko, told Cointelegraph, adding:

“We expect a challenging transition to USDC, and users will need a lot of time to adapt to the changes.”

Brighty is a Swiss personal finance app that combines traditional digital banking experience with the benefits of stablecoins and decentralized finance. Its services include crypto exchange against numerous fiat currencies, particularly targeting global digital nomads, who are expected to reach 60 million by 2030.

As a European CASP, Brighty is working to obtain a MiCA license from local regulatory authorities, Denisenko said.

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