初次涉足加密货币领域，您必然耳闻“泰达币（USDT）”一词，并时常在新闻报道中见到诸如“USDT诈骗”、“USDT涉嫌洗钱”的字眼。那么，究竟何为USDT？它是否可信呢？
For the first time in the area of crypto-currency, you must have heard the word “USDT” and often found words such as “USDT fraud” and “USDT suspected of money laundering” in the press. So, what is a USDT? Is it credible?
日常所提及的“100u”或“1000u”，实际上指代的是100 USDT及1000 USDT的简写，在虚拟货币圈内极为常见。
The daily reference to “100u” or “1000u” refers in fact to 100 USDT and 1,000 USDT in short, and is very common in virtual currency circles.
USDT全称泰达币，同比特币、以太坊一样，是一种加密货币。然而，USDT的独特之处在于其汇率几乎固定于1:1锚定美元，因此被归类为稳定币，即价值稳定的加密货币。
The USDT, which is known as Tedar, is an encrypted currency, like Bitcoin, Etheria. However, the unique feature of the USDT is that its exchange rate is almost fixed at 1:1 anchor dollar and is therefore classified as a stable currency, i.e. an encrypted currency with a stable value.
换句话说，1 USDT≈1美元（尽管可能存在微小浮动）。因此，澄清一点：USDT并非诈骗，而是一种具有固定价值（1美元）的虚拟货币，可以理解为加密货币世界的“美金替代品”。
In other words, $1 USDT per dollar (though it may be slightly floating). So clarifies that USDT is not a fraud , but a virtual currency with a fixed value ($1), which can be understood as a “dollar substitute” for the world of encrypted currencies.
二、为何“USDT诈骗”频发？为何“USDT诈骗”、“泰达币诈骗”、“USDT洗钱”等相关负面报道层出不穷？原因在于诈骗团伙倾向于利用USDT作为中介，由于1 USDT≈1美元，且易于兑换，使得USDT成为了他们实施犯罪的理想工具。
Why do the related negative stories, such as “USDT fraud”, “Teda coin fraud” and “USDT money laundering” persist? This is because fraud syndicates tend to use USDT as an intermediary, making USDT the ideal tool for committing crimes because USDT is $1 and is easy to convert.
此外，USDT也是合法加密货币交易中最常用的货币单位，如BTC/USDT表示一枚比特币能换取多少USDT。因其广泛应用于交易市场，诈骗分子一旦得手USDT后，也能轻易将其转换为人民币或美元，从而解释了为何有关USDT诈骗事件屡见不鲜。
In addition, USDT is the currency unit most commonly used in legitimate encrypted currency transactions, such as BTC/USDT, which indicates how much a bitcoin can be traded for. Because it is widely used in the trading market, fraudsters can easily convert to renminbi or dollars once they have won it, explaining why there are frequent cases of USDT fraud.
三、诈骗手法揭秘与购买USDT的途径诈骗行为与USDT本身并无关联，仅仅是诈骗团伙认为利用USDT更为便捷罢了。USDT仅是一种价值等同于一美元的加密货币。
Fraud is not related to the USDT itself, but simply to the fact that the fraud syndicate believes that it is easier to use the USDT. USDT is only an encrypted currency with a value equal to a dollar.
诈骗集团可能通过假冒交易平台、交友诈骗、钓鱼网站、短信诈骗等方式诱使受害者购买USDT，并要求转账给他们。另一种手法则是诱骗购买“假USDT”，即伪造网页诱使他人支付高额美元来获取USDT，但实际上受害者得到的是虚假的USDT，甚至一分钱都得不到。
Fraud syndicates may induce victims to buy and transfer USDTs by means of false trading platforms, dating fraud, fishing websites, and SMS fraud. Another way is to lure them into buying “fake USDTs” – that is, to falsify web pages to induce others to pay high dollar amounts to obtain USDTs, but in fact the victims receive false USDTs, even a fraction of the money.
要安全地购买USDT，应选择正规的加密货币交易所进行交易，切勿在非官方渠道或实体店轻易购买。
In order to secure the purchase of USDT, a formal, encrypted currency exchange should be selected for trading and should not be easily purchased on unofficial channels or in real-estate shops.
四、实体店购买USDT需谨慎在香港等地存在一些提供加密货币线下服务的实体店，即OTC（场外交易）商家。这些实体店通常配备客服指导顾客购买USDT，但也存在诈骗商家的风险。对于新手来说，识别真伪实体店的能力有限，因此前往实体店购买USDT时务必小心谨慎，尤其避免携带现金私下交易，以防遭遇抢劫等情况。购买USDT的风险程度可概述为：正规加密货币交易所＞实体店＞私人交易。
In Hong Kong, for example, there are real businesses that provide services under the crypto-currency line, namely OTC (out-of-the-office transactions). These shops are usually equipped with customer service to guide customers in the purchase of USDT, but there is also a risk of fraud. For new recruits, the ability to identify authentic real-estate shops is limited, so be careful when going to real-estate shops to buy USDTs, especially to avoid carrying cash in private transactions in case of robbery, etc. The risk of buying USDs can be summarized as a formal encrypted currency exchange – real-estate business – private transactions.
五、USDT汇率及其波动性理论上，USDT汇率固定为1美元，但在实际市场中会有轻微波动，有时可能出现0.99美元的情况。历史上，USDT也曾经历过贬值（脱钩）的现象，但最终仍恢复到了1美元的价值水平。
In theory, the USDT exchange rate is fixed at $1, but there will be slight fluctuations in the real market, sometimes with the possibility of $0.99. Historically, the USDT has experienced depreciation (decoupling), but it has eventually recovered to a dollar value level.
USDT汇率产生波动的原因包括但不限于虚拟货币市场的不利消息导致投资者恐慌性抛售，或者USDT曾因储备不足、发行人操作不当等问题引发公众对其信任度下降而遭遇抛售潮。
The fluctuations in the USDT exchange rate include, but are not limited to, adverse news of the virtual currency market, which has led to a panic sale by investors, or to a downward trend in public confidence in the USDT as a result of inadequate reserves, inappropriate operations by issuers, etc.
尽管如此，目前来看，USDT的汇率仍然相对稳定地维持在接近1美元的水平。
Nevertheless, for the time being, the USDT exchange rate has remained relatively stable at a level close to $1.
六、USDT对人民币的汇率情况虽然1 USDT约等于1美元，但是对人民币而言，其汇率依然存在波动。具体汇率取决于国内市场对USDT的需求与供给，例如，当国内许多人急于将手中的USDT兑换为人民币，或者人民币购买USDT的需求增加时，其对人民币的汇率就会有所变化。
While USDT is about US$ 1, its exchange rate still fluctuates for the renminbi. The specific exchange rate depends on the domestic market’s demand for and supply of USDT. For example, when many people in the country rush to convert their USDT into renminbi, or when the renminbi’s demand for USDT is increasing, the exchange rate for the renminbi will change.
即使1 USDT=1 USD，在人民币市场上也会存在一定汇率差异。无论是通过交易所用人民币购买USDT，还是向OTC商家购买，人们都能感受到USDT汇率与真实美元汇率之间存在差异。
Even if one USDT = one USD, there is a certain difference in exchange rates in the renminbi market. Whether it is purchased in the renminbi through exchanges or from OTC traders, one can see a difference between the USDT exchange rate and the real US dollar rate.
七、结语：USDT真的是诈骗吗？一看便知100 u实际上是100 USDT的简称。
100 u is actually the acronym for 100 USDT.
USDT中文名称为泰达币。
USDT in Chinese is Thai currency.
USDT作为一种稳定币，其价值大致相当于1美元。
The value of USDT as a stable currency is approximately US$ 1.
USDT本质上是一种加密货币，并非诈骗，只是诈骗团伙利用其流通广泛、便于变现的特点作为欺诈工具。
USDT is essentially an encrypt currency, not a fraud, but a fraud syndicate that exploits its widespread and easy-to-disposal characteristics as a tool of fraud.
诈骗集团采用多种手段诱骗受害者购买并转让USDT，或诱骗购买假USDT。但这并不意味着USDT本身即是诈骗，它只是加密货币的一种形式。
Fraud syndicates use a variety of means to induce victims to buy and transfer USDT, or to buy false USDT. This does not mean that USDT itself is a fraud, but it is only a form of encrypted currency.
购买USDT应通过正规渠道，如币安、MAX等交易所，若选择实体店购买，则必须格外谨慎，谨防受骗。
The purchase of USDT should be made through formal channels, such as currency security, MAX, etc., and in the case of the selection of a real shop, extra caution must be exercised against fraud.
USDT的汇率确实存在轻微波动。
It is true that the exchange rate of USDT fluctuates slightly.
综上所述，本文详细介绍了泰达币（USDT）的本质特性，以及其是否涉及诈骗的相关分析。需要指出的是，加密货币属于高风险投资，投资者在参与其中时必须高度警惕。同样，在处理USDT时，也要时刻提防诈骗集团觊觎您的“u”资产！
In the light of the above, the paper details the nature of the Titanic and its analysis of whether it involves fraud. It should be noted that encrypted currency is a high-risk investment in which investors must be vigilant when participating. Similarly, in dealing with the USDT, care must be taken against fraud syndicates seeking your “u” assets.
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