2025-12-13 00:21:37

I recently came across a very important piece of news: a major online broker (Interactive Brokers) has officially announced support for stablecoins as a method for account deposits. Since December, they have been rolling out support via Grayscale, and although currently only available to some professional and institutional clients, it is expected to gradually open up to retail investors in Q1 next year.

Here's a breakdown of the specific operation logic. The supported cryptocurrencies are mainly Circle's USDC and Tether's USDT, with cross-chain support for Ethereum, Polygon, Solana, and Tron. The deposit process is quite straightforward — find the Fund Management menu in the client, add a dedicated cryptocurrency deposit option, and you can operate from there. Once the funds arrive, they are automatically converted to USD at a 1:1 exchange rate, and directly credited to the cash balance, which can then be used to trade US stocks, Hong Kong stocks, futures, and more.

However, there are some restrictions to note. First, US residents cannot use this feature for now due to SEC and CFTC regulations. Second, users need to complete an enhanced KYC process for proof of funds sources. Deposit limits vary based on account tier, with top-tier users able to deposit up to the equivalent of 10 million USD. Another detail is that withdrawals currently only support transferring USD to a bank or moving crypto to an external wallet; direct stablecoin withdrawals are not supported.

From a market perspective, this marks another step in the integration of traditional finance and digital assets. The willingness of major institutions to adopt this indicates that the liquidity and compliance standards for stablecoins have reached a certain level.

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LiquidationAlert

· 12h ago

Interactive Brokers' move is quite interesting; stablecoins are really about to go mainstream. --- Wait, are US users banned again? This is routine now. --- The group with the 10 million limit made a huge profit; when can we retail investors join in? --- Supporting both USDC and USDT is decent, but withdrawal only in USD is a bit frustrating. --- Traditional brokers are really starting to pay attention to our money; what does this signal, friends? --- KYC is back again, more hassle with proof of funds, so annoying. --- Polygon and Solana are both usable; finally, someone is seriously working on on-chain liquidity. --- Next year Q1, regular retail investors will be able to participate; it will definitely be another server overload. --- This is the feeling of Web3 shaking hands with Wall Street, kind of interesting to watch. --- Wait, why can't they just directly issue stablecoins? This is a waste.

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SybilAttackVictim

· 12-14 19:17

Interactive Brokers' move is really interesting; stablecoins have finally been "legitimized." However, Americans really can't take advantage of this feature, and the SEC folks are truly playing with fire.

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AirdropHunter007

· 12-13 16:11

Interactive Brokers' move is really aggressive; stablecoins can finally jump on board directly. Before, it was a hassle to deal with.

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SurvivorshipBias

· 12-13 00:51

Interactive Brokers' move is quite impressive; finally, a major institution dares to take this risk. However, US users being blocked is really unfortunate; the SEC is truly a stubborn obstacle.

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Rekt_Recovery

· 12-13 00:51

ngl this is the bridge moment we've been waiting for... but watch out, the fees gonna hit different when they realize retail's actually coming lol

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CommunitySlacker

· 12-13 00:50

Interactive Brokers has played a very clever move, directly connecting on-chain and off-chain. But to be honest, truly ordinary retail investors will have to wait until next year; right now, it's mainly a game for big players. --- The issue of stablecoin deposits and trading on exchanges is just a matter of time. It's just a bit unfortunate that Americans are stuck... --- 1:1 direct transfer to USD, this process is indeed smooth. It's just a bit awkward that you can't withdraw stablecoins easily, so you have to go around in circles. --- That KYC and fund tracing process probably scares off quite a few people. Those who really want to use it probably have no issues, but it's a hassle. --- Interactive Brokers supports multi-chain USDC and USDT, which shows that stablecoins are truly gaining ground. The next step is to see if other major brokerages follow suit.

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GoldDiggerDuck

· 12-13 00:48

Interactive Brokers' move is impressive; stablecoins have finally broken into traditional brokerages, although it's a bit awkward that US residents are still blocked out. When retail investors get access in Q1, we'll need to carefully consider which chain offers the best value for USDC and USDT. Honestly, the significance of this is much greater than the operation itself; big institutions daring to accept stablecoins means they understand everything. After all the effort, it still feels like you can only withdraw USD, not the coins, which feels like something's missing. Multi-chain support is pretty good; no need to bother with cross-chain bridges anymore—just connect your wallet directly. Interactive Brokers is truly making a big strategic move; in the future, deposits might really rely on stablecoins. A limit of 10 million in equivalent value—are they screening for genuine large funds or just risk management? Strengthening KYC and source verification processes feels like they need to be as strict as anti-money laundering departments. Enhanced compliance is a good thing; just worried that future regulations might cause some trouble. Now there's no need to exchange U-based currency for current foreign exchange; everything can be done in one step, saving trouble. Traditional finance has already figured out how to accept stablecoins; the next wave likely depends on how each country's regulators follow up.

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ZkProofPudding

· 12-13 00:30

Interactive Brokers' move is quite crucial; stablecoins are finally breaking through the circle. Really, the big broker actions are different. Although the US is being restricted, retail investors should explode in Q1. Wait, can withdrawals only be in USD? Isn't that still traditional finance? Kinda pointless. Both USDC and USDT support multiple chains, finally no need to transfer every day, feels great. Institutions go first to try things out, retail investors just have to wait, I know this routine too well. It sounds simple, but it's basically brokers injecting blood into stablecoins. Compliance really has become more important. Now, TradFi and crypto are completely inseparable. The times have changed, everyone.

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LightningHarvester

· 12-13 00:26

Interactive Brokers' operations are okay, but withdrawals can only be transferred to bank accounts in USD, which is a bit of a headache. Stablecoins are finally being taken seriously by traditional finance; the future looks promising. Being blocked outside the US is the real joke. Both USDC and USDT are supported, but I'm worried that trading volume won't pick up. Will retail investors be allowed in during Q1? I wonder which year or month that will happen. Improved compliance is a good thing, but transaction fees will definitely increase as well. A $10 million limit is basically a benefit for big investors. With such strict KYC checks, most people probably won't pass. Transferring USD directly at a 1:1 ratio is really efficient. With so many restrictions, it still feels a bit pointless. By the time retail investors can use it, the enthusiasm will have already cooled down.

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