Circle’s $740M Win & 108% USDC Surge! 🚀

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Circle Internet Group, the stablecoin issuer behind USDC, has just dropped a bombshell Q3 report. Spoiler: they’re doing better than your ex’s Instagram posts. 😎

The stablecoin giant has not only exceeded expectations, it’s also pushing forward with its new Arc blockchain, aiming to make payments, cross-border transactions, and decentralized finance faster and easier. Because who doesn’t want to feel like a tech genius while sending money to their cousin? 🤷‍♀️

Circle’s Profits Soar, USDC Adoption Soars 108%

Circle reported Q3 net income of $214 million, a year-over-year increase of 202%. Total revenue and reserve income grew over 66% to $740 million, reflecting strong growth across the company’s operations. Meanwhile its EBITDA grew 78% to $166 million. 📈

The USDC in circulation reached $73.7 billion at the end of the quarter, marking a 108% year-over-year increase and boosting Circle’s market share to 29%. The growth highlights its continued adoption and its rising presence in the digital asset market. Because nothing says “I’m rich” like a stablecoin that’s literally growing faster than your savings account. 💸

“Circle continued to see accelerating adoption of USDC and our platform in the third quarter as we build the new Economic OS for the internet,” said CEO Jeremy Allaire. Because nothing says “I’m a visionary” like building an “Economic OS.” 🧠

He says that stablecoin money is safer money and will become the most desirable form of money to borrow. Credit markets will develop globally around borrowing and using this type of money. Because who needs a bank when you’ve got a stablecoin? 🏦

A Full Stack Internet Platform Business

Allaire said that Circle is building a full-stack internet platform, from the operating infrastructure at the network level to the stable coin digital asset layer to the application layer, designed to serve mainstream companies. Because nothing says “I’m a disruptor” like a platform so comprehensive, even your mom would be impressed. 🤯

This morning we shared our Q3 results @Circle. 

We made huge progress delivering platforms for the world’s leading startups and financial firms, and saw strong growth and market-share gains for @usdc.

With @Arc, over 100 major companies are helping us design and test a new…

– Jeremy Allaire – jda.eth / jdallaire.sol (@jerallaire) November 12, 2025

Circle Eyes Native Token on Arc

The launch of the Arc public testnet was met with huge excitement from partners in both traditional and digital finance, highlighting a growing and diverse ecosystem around programmable digital money. Over 100 Companies Joined the Launch of Arc Public Testnet. Because why have one token when you can have a whole ecosystem? 🌐

Circle is also exploring to launch a native token on the Arc Network. This could further lead to more participation, align the interests of Arc stakeholders and support the long-term growth of the network. Because nothing says “I’m a crypto king” like a native token. 💰

Circle’s Payments Network and USYC Fund See Rapid Growth

Circle’s Payments Network (CPN) is also expanding fast, with 29 financial institutions already enrolled, 55 more under review, and 500 in the pipeline. While Circle’s tokenized money market fund, USYC, also saw rapid growth, growing over 200% from June 30 to reach around $1 billion by November 8. Because who needs a savings account when you can have a fund that’s growing faster than your hairline? 📊

Moreover, Circle is also gaining traction across a wide range of industries with new partnerships and collaborations across digital assets, banking infrastructure, payments, international dollar access, and capital markets. Because nothing says “I’m the future” like partnering with everyone from startups to banks. 🤝

Some of the big names include Brex, Deutsche Börse Group, Finastra, Fireblocks, Hyperliquid, Kraken, Unibanco Itaú, and Visa. It’s like the cool kids’ table at a crypto dinner. 🍽️

With the rising USDC circulation and growing industry collaboration, Circle is making real progress toward a more open and efficient global financial system. Or as I like to call it, “the future, but with more emojis.” 🤖✨

Circle’s Shares Faces Volatility

However, Circle’s shares fell in early trading over concerns that declining interest rates could weigh on future return. So it is also looking to diversify its revenue streams. Because nothing says “I’m diversified” like a company that’s already doing 10 things at once. 🌀

Its shares are currently trading at $98.30, down 28% in the past month. Because nothing says “we’re successful” like a 28% drop. 😬

Circle expects continued growth, reaffirming a 40% CAGR target for USDC circulation. Other revenue for 2025 is now projected at $90-$100 million, with the RLDC margin around 38%. While adjusted operating expenses are projected to rise to $495-$510 million to support platform development and global partnerships. Because nothing says “we’re serious” like spending more to grow more. 💸

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2025-11-12 18:34