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USDT has been downgraded by S&P, is the U in everyone's hands still safe? Which stablecoin should we exchange for? What impact does this have on the market?
This article tells you everything (data and analysis provided by Surf AI)
On November 26, S&P officially downgraded the stability rating of USDT from the already low 'Restricted 4' to the lowest level 'Weak 5'.
We won't discuss whether this rating is correct or not; here, Surf AI will analyze several core questions that everyone is most concerned about: Will USDT really collapse? If we don't hold USDT, what else can we hold? What impact does this have on the market?
1. Will USDT really collapse? To put it directly: the probability is very low.
So why did S&P give such a low score? It's actually quite simple; Tether's latest disclosures show that they have not honestly purchased U.S. Treasury bonds with the dollars deposited by users, but instead have bought a large amount of Bitcoin and gold. This is the fundamental reason why S&P downgraded it to 'Weak'.
But why won't it collapse?
Because Tether is making too much money. Its net profit exceeded $10 billion in the first three quarters of 2025. Such a money-printing level of profitability is its biggest moat. As long as there isn't an instantaneous run on the bank, it can slowly use its profits to fill the investment loss gap.
2. If you don't trust USDT, which stablecoin should you hold?
Actually, continuing to hold USDT is not a big problem. If you really want to exchange, I only recommend two: USDC and FDUSD.
1. USDC: Compliant baby, S&P rating of 'Strong 2', feeling very safe. The issuer Circle is very compliant and fully meets the EU's latest MiCA regulations. (Surf AI found out)
2. FDUSD: Binance's favorite, frequently has 'zero fee' trading promotions on Binance, but its usage scenario is single, basically only on Binance.
3. What does this mean for the cryptocurrency market?
In the short term, the impact is not significant, and the market has almost no reaction.
But in the long run, if BTC crashes and USDT faces large redemptions, Tether may be forced to sell over $10 billion in Bitcoin reserves to raise money, which could create a death spiral:
USDT redeemed -> Tether sells BTC -> BTC falls -> Tether's reserves shrink -> Panic intensifies -> More people redeem USDT
Of course, all of this will only truly manifest in a bear market~
#SurfAI
This article tells you everything (data and analysis provided by Surf AI)
On November 26, S&P officially downgraded the stability rating of USDT from the already low 'Restricted 4' to the lowest level 'Weak 5'.
We won't discuss whether this rating is correct or not; here, Surf AI will analyze several core questions that everyone is most concerned about: Will USDT really collapse? If we don't hold USDT, what else can we hold? What impact does this have on the market?
1. Will USDT really collapse? To put it directly: the probability is very low.
So why did S&P give such a low score? It's actually quite simple; Tether's latest disclosures show that they have not honestly purchased U.S. Treasury bonds with the dollars deposited by users, but instead have bought a large amount of Bitcoin and gold. This is the fundamental reason why S&P downgraded it to 'Weak'.
But why won't it collapse?
Because Tether is making too much money. Its net profit exceeded $10 billion in the first three quarters of 2025. Such a money-printing level of profitability is its biggest moat. As long as there isn't an instantaneous run on the bank, it can slowly use its profits to fill the investment loss gap.
2. If you don't trust USDT, which stablecoin should you hold?
Actually, continuing to hold USDT is not a big problem. If you really want to exchange, I only recommend two: USDC and FDUSD.
1. USDC: Compliant baby, S&P rating of 'Strong 2', feeling very safe. The issuer Circle is very compliant and fully meets the EU's latest MiCA regulations. (Surf AI found out)
2. FDUSD: Binance's favorite, frequently has 'zero fee' trading promotions on Binance, but its usage scenario is single, basically only on Binance.
3. What does this mean for the cryptocurrency market?
In the short term, the impact is not significant, and the market has almost no reaction.
But in the long run, if BTC crashes and USDT faces large redemptions, Tether may be forced to sell over $10 billion in Bitcoin reserves to raise money, which could create a death spiral:
USDT redeemed -> Tether sells BTC -> BTC falls -> Tether's reserves shrink -> Panic intensifies -> More people redeem USDT
Of course, all of this will only truly manifest in a bear market~
#SurfAI
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Surf AI mobile version is officially launched, explore the latest in blockchain, and let's open a new on-chain world together!
Brothers, good news is here
——Surf AI mobile version is officially launched!
In the cryptocurrency industry, information is chaotic and complex,
Investing in and researching the blockchain and cryptocurrency fields is becoming increasingly complex,
Everyone needs to process massive amounts of data in real-time,
Including on-chain transactions, social sentiment, technical indicators, and market narratives.
Traditional AI tools like ChatGPT are powerful,
But they lack deep vertical integration into the cryptocurrency ecosystem,
Unable to directly access on-chain data or provide execution-level insights.
Now, he's coming!
Whether you're on the subway, commuting, or checking the market late at night,
——Surf AI mobile version is officially launched!
In the cryptocurrency industry, information is chaotic and complex,
Investing in and researching the blockchain and cryptocurrency fields is becoming increasingly complex,
Everyone needs to process massive amounts of data in real-time,
Including on-chain transactions, social sentiment, technical indicators, and market narratives.
Traditional AI tools like ChatGPT are powerful,
But they lack deep vertical integration into the cryptocurrency ecosystem,
Unable to directly access on-chain data or provide execution-level insights.
Now, he's coming!
Whether you're on the subway, commuting, or checking the market late at night,
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The Most Suitable AI Tool for Crypto Users: Surf AI
In the crypto world, information fragmentation is a pain point for many. The movements of on-chain whales, community sentiment, and KOL statements can lead to skyrocketing prices or trigger crashes at any moment. Additionally, various TVL flows and derivatives indicators require analysis that is extremely time-consuming and repetitive.
Currently, while AI tools can solve many problems, traditional AI large models like ChatGPT, Grok, DeepSeek, and Doubao excel in general language generation but struggle with the specific needs of the crypto space. They rely on static knowledge or generalized searches, cannot access public chain data in real time, suffer from analysis delays, and lack sufficient multi-source integration. They can only rely on user-inputted external links, and the outputs are often vague, lacking structured token interpretation and a comprehensive view of cross-chain ecosystems.
Currently, while AI tools can solve many problems, traditional AI large models like ChatGPT, Grok, DeepSeek, and Doubao excel in general language generation but struggle with the specific needs of the crypto space. They rely on static knowledge or generalized searches, cannot access public chain data in real time, suffer from analysis delays, and lack sufficient multi-source integration. They can only rely on user-inputted external links, and the outputs are often vague, lacking structured token interpretation and a comprehensive view of cross-chain ecosystems.
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Full-link AI Researcher — Surf AI Mobile is officially launched, opening a new era of 'One-click Insight'!
In the battlefield of the cryptocurrency world in 2025, information is your weapon! Surf AI, as a crypto-native AI agent trained by Cyber, has always helped countless crypto enthusiasts extract Alpha from fragmented intelligence with its multidimensional data fusion capabilities.
Now, good news has arrived — Surf AI mobile is officially launched! Whether you are on the subway, commuting, or browsing at midnight, you can gain a comprehensive insight into tokens with just one click, seizing market opportunities.
The mobile version inherits the powerful core of the web version while optimizing the mobile experience, making analysis more convenient and real-time. No longer be bound by the desktop, Surf AI mobile allows you to become a full-link AI researcher anytime, anywhere!
Now, good news has arrived — Surf AI mobile is officially launched! Whether you are on the subway, commuting, or browsing at midnight, you can gain a comprehensive insight into tokens with just one click, seizing market opportunities.
The mobile version inherits the powerful core of the web version while optimizing the mobile experience, making analysis more convenient and real-time. No longer be bound by the desktop, Surf AI mobile allows you to become a full-link AI researcher anytime, anywhere!
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Is trading on your phone always 'based on a feeling and giving away money'? After reviewing my recent stop losses, I found a major problem.
Brothers, have you noticed that when you sit in front of the computer, using TradingView to look at data and watching the K-line for divergences, your win rate is actually quite good? But as soon as you step outside, using your phone to make trades, even with the same market conditions, it's particularly easy to lose money.
Recently, I reviewed the trades I lost on my phone over the past two months and found that they all had the same issue: lack of information.
Let me give you the most typical scenario:
You're eating out, and suddenly your phone pops up a notification, or someone in the group shouts: 'XXX suddenly surged, hurry up!'
You switch to the exchange and see, wow, a big bullish candle has appeared, directly topping the gainers list.
Recently, I reviewed the trades I lost on my phone over the past two months and found that they all had the same issue: lack of information.
Let me give you the most typical scenario:
You're eating out, and suddenly your phone pops up a notification, or someone in the group shouts: 'XXX suddenly surged, hurry up!'
You switch to the exchange and see, wow, a big bullish candle has appeared, directly topping the gainers list.
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Binance Alpha's Ultimate Survival Rule:
Binance Alpha's ultimate survival rule: Surf AI tells you how to brush Alpha next.
Brothers, how does it feel to brush Alpha recently?
I believe many people, like me, have now entered a 'chicken rib' stage: calling relatives and friends every day to remind them, while also worrying about excessive losses from being 'sandwiched'. The result? Several days without a single airdrop, and even if we grab one, it's just 20-30 U, frantically rubbing around the break-even line.
(According to Surf AI statistics, the average return of the last 10 rounds of Alpha airdrops is only $34.3)
After this wave of operations, many people naturally chose to 'resign'.
Brothers, how does it feel to brush Alpha recently?
I believe many people, like me, have now entered a 'chicken rib' stage: calling relatives and friends every day to remind them, while also worrying about excessive losses from being 'sandwiched'. The result? Several days without a single airdrop, and even if we grab one, it's just 20-30 U, frantically rubbing around the break-even line.
(According to Surf AI statistics, the average return of the last 10 rounds of Alpha airdrops is only $34.3)
After this wave of operations, many people naturally chose to 'resign'.
See original
Binance Alpha Ultimate Survival Rule: Surf AI Tells You How to Brush Alpha Next
Brothers, how does it feel to be brushing Alpha recently?
I believe many people are like me, now entering a 'chicken rib' stage: calling relatives and friends every day to remind them, while also worrying about excessive losses from being 'sandwiched'. The result? Several days without any airdrops, and when I did manage to get one, it was only 20-30U, rubbing shoulders around the break-even line.
(According to Surf AI statistics, the average profit from the recent 10 rounds of Alpha airdrops is only $34.3)
After this round of operations, many people naturally choose to 'resign'.
But I want to say that this kind of pain is necessary.
Why is this happening? Because it was indeed too profitable in September and October, leading to a large influx of studios. When a massive number of retail investors and whales flood in together, the originally thin profits are immediately diluted, and the final result is: everyone ends up not making money.
I believe many people are like me, now entering a 'chicken rib' stage: calling relatives and friends every day to remind them, while also worrying about excessive losses from being 'sandwiched'. The result? Several days without any airdrops, and when I did manage to get one, it was only 20-30U, rubbing shoulders around the break-even line.
(According to Surf AI statistics, the average profit from the recent 10 rounds of Alpha airdrops is only $34.3)
After this round of operations, many people naturally choose to 'resign'.
But I want to say that this kind of pain is necessary.
Why is this happening? Because it was indeed too profitable in September and October, leading to a large influx of studios. When a massive number of retail investors and whales flood in together, the originally thin profits are immediately diluted, and the final result is: everyone ends up not making money.
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