3/ $USDC and $USDT are redeemable 1:1 to US Dollars from Circle or Tether who periodically publish independent audit reports that show that they are fully backed by cash or cash equivalents — unlike banks that typically have fractional reserves of their actual deposits.
3美元/USDC和USDT可从Circle或Tether以1:1的比例兑换成美元，Circle或Tether定期发布独立审计报告，表明其完全由现金或现金等价物支持，而银行通常拥有其实际存款的部分准备金。