IBKR supports stablecoin deposits, and not just USDC but also USDT, as it converts USDT to USD through a compliant third party before transactions. The real growth of USDC mainly comes from: 1️⃣ Institutional-level funds "held on account" Public companies FinTech (Stripe, PayPal-like) On-chain settlement accounts for banks Only USDC qualifies 2️⃣ RWA / On-chain securities / T+0 settlement DTCC Tokenized Treasury On-chain stocks, funds Only USDC qualifies 3️⃣ Payment & merchant systems Shopify Uber Cross-border B2B Mainly USDC qualifies 4️⃣ "Statutory stablecoin" after stablecoin legislation Clear regulatory distinction: Payment stablecoin Crypto-collateral stablecoin USDT is categorized as "non-preferred type"