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Coinbase suspending USDC:USD conversions over the weekend

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Re: Coinbase suspending USDC:USD conversions over the weekend

#221

Earlier quoted context omitted.

Hey, nice straw man. Of course I think banks should cooperate with the government. I just don't think banks should be more powerful than the gov, which in the US, arguably they are in certain contexts. And I never said crypto anything was stable on any level. I genuinely believe crypto has 0 usefulness for anything other than very specialised cases, usually to do with avoiding regulation. The point I was making was t…

What you're missing is the bailout is part of the system, and counts towards its stability. In your analogy imagine your SAAS product horribly crashed and deleted customer data. So your cloud provider restored from the backups you had arranged and you were running normally soon after. Not ideal, but you had a far more stable system than someone without backups.

No, this is not how reality works.

Asserting that bailouts are simply "part of the system" is just a cop out.

It doesn't respond to points about the behaviour of the bank which was key to my argument. Maybe read and try again.

I will repeat again at the risk of sounding like a broken record. There is no sane, logical way of arguing that the behaviour that led to the 2008 financial crisis is that of a stable, well-regulated banking system. If you believe otherwise, you are either on drugs, or have done no research, or both.

Re: Coinbase suspending USDC:USD conversions over the weekend

#222
post #29

Earlier quoted context omitted.

Can't you just buy USD directly? How does that help? What does the C part of it do?

Stablecoins are a cryptocurrency that conforms to the ERC-20 standard[1] so they can be used in blockchain applications that want something that implements that. USDC/USDT are therefore the closest things to USD that can be used in that way. Obviously people differ as to the utility of those applications but that's what the "C" gets you. You can do those things if you want to. Of course there's quite a lot you can do…

Most stablecoins conform to TRC-20 standard, on TRON network. Ethereum use is being phased out because of high fees.

Re: Coinbase suspending USDC:USD conversions over the weekend

#223
post #155

Earlier quoted context omitted.

How is a stablecoin stable? They're stable until you get rugpulled.

That was an Algorithmic Stablecoin. USDC is not, it was backed by dollars in banks with a 1:1 backing and 3rd party audited.

"was backed" hehe

Re: Coinbase suspending USDC:USD conversions over the weekend

#224
post #155

Earlier quoted context omitted.

How is a stablecoin stable? They're stable until you get rugpulled.

That was an Algorithmic Stablecoin. USDC is not, it was backed by dollars in banks with a 1:1 backing and 3rd party audited.

Many the mortgage bonds in the 2008 crisis were AAA or AA rated by a "third party". And they were dogshit.

Is it audited by the SEC or some "auditing firm"?

Re: Coinbase suspending USDC:USD conversions over the weekend

#225

Earlier quoted context omitted.

They can't if the USD backing the USDC is stuck in SVB.

Well, not all USD is stuck in SVB, at least according to what they claim. If Coinbase knows that they have the reserves to back USDC, or 93% of the reserves to back USDC, then them buying back any USDC on the open market at 90% or less is huge amounts of certain profit, while everyone else has to gamble on what the Coinbase actual capabilities are and in many cases are willing to accept a haircut to gain certainty.

The problem is that Coinbase probably has no way to say for sure what percentage of the reserves will actually be liquid on Monday. Other banks which held USDC reserves included Signature Bank of NY and Silvergate, both of which are also looking shaky.

Re: Coinbase suspending USDC:USD conversions over the weekend

#226
I think Stablecoins systems are more resilient than traditional banks in bank runs.

In Case of a traditional Bank Run (SVB), pulling the money out is the overwhelmingly best thing to do due to game theory logic. This means once a bank run starts, there's no stopping it.

But in Stablecoins, the coin "depegs", this gives people a reason to actually buy and support the coin if they think insolvency won't happen.

Re: Coinbase suspending USDC:USD conversions over the weekend

#227
post #43

So USDC is currently trading at $0.93. Which, if you believe in Coinbase, is free money. And if you don't, then its very bad news for the company and possibly worse news for the banks that are keeping the USDC reserves, because they are about to have a massive bank run on monday. https://coinmarketcap.com/currencies/usd-coin/

Well, a free 8% return over a weekend if all goes perfectly.

Interestingly Tether also reacted to this news by going up to $1.03 briefly. That's not really good either, but it makes sense as a symmetric thing. It'd be an arbitrage opportunity except the market is so broken you can't execute it reliably.

Re: Coinbase suspending USDC:USD conversions over the weekend

#229

Earlier quoted context omitted.

Can't help but revel in the fact that these crypto ponzi schemes are so dependent on the very banks all the cryptobros denounce, as evil holdovers from the past that will be obsoleted by their scam tokens (that no one outside their bubble even knows how to use). It's so ridiculous I just have to kind of admire it. It's like a cathedral of human hypocrisy.

Crypto never became a currency. Fundamentally whatever Satoshi preached never materialised.

A lot of people pay for goods with satoshis, so it did materialize, maybe slower than some imagined, but it has nowhere to rush.

Re: Coinbase suspending USDC:USD conversions over the weekend

#230

Tether, the Sauron of stablecoins, has zero exposure to SVB and is holding the peg just fine. Sorry Patio and friends, maybe next time :)

Galaxy brain: don't hold verifiable assets at a real bank, don't care when the bank fails.

Tether didn't hold its peg though; it went up to about $1.03. For a stablecoin going up is as bad as going down. https://coinmarketcap.com/currencies/tether/

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