What is the best strategy for investing in dollars and euros using stablecoins?

Among investment strategies like stock and fund applications, there is also the possibility of buying foreign currencies to avoid inflation and create a store of value. But how to invest in dollars and euros?

Besides the traditional market, crypto also offers alternatives that work both as a store of value and form of payment. However, although they offer advantages over traditional investments, volatility scares some investors.

Thus, stablecoins emerge as a promising possibility for investing in foreign currencies by combining the stability of fiduciary money with the security and speed of blockchain technology.

Reasons for investing in dollars and euros

The purchase of foreign currencies is an alternative to escape inflation in countries with an unstable economy or practice arbitrage with devalued currencies to have a profit margin.

Also, the dollar and the euro can be ways to create a store of value, do arbitrage, and also:

• Protect assets from exchange rate devaluation;
• Diversify portfolio assets;
• Decrease dependence on a single economy;
• Facilitate access to international markets.

On the other hand, before putting this strategy into your planning, it is necessary to consider factors such as fees and liquidity, for example. Thus, an alternative for investors who choose to buy dollars and euros is to use stablecoins.

4 advantages of investing in dollars and euros using stablecoins

Even though the crypto market is known for its volatility, stablecoins are digital assets with a 1:1 equivalence value with fiduciary money, another cryptocurrency, commodities, or precious metals. With this, they can offer stability and security.

Still, these digital currencies and the traditional exchange system are different. These differences can be advantageous for investments and for people and companies that make commercial transactions in dollars and euros by offering:

• Greater liquidity
  • Euro and dollar stablecoin purchase and sale transactions can be made on different platforms, resulting in greater liquidity of digital assets.
• Cost reduction
  • By using data decentralization and blockchain technology, transactions using these stable currencies have a lower cost than fiduciary currency negotiations.
• Operation agility
  • Another advantage of the crypto market is the speed that the blockchain concludes transactions, being much faster than physical or digital currencies that depend on traditional financial institutions in a process that can take days.
• Availability
  • The crypto market operates 24 hours a day and seven days a week, so it is possible to trade stablecoins at any time.

In short, stablecoins have advantages offered by the crypto scenario. Another perk of this context is the variety of stablecoins that exist.

Meet the dollar and euro stablecoins

Most stablecoins are paired with fiduciary currencies, and there can be more than one digital asset paired with the same exchange rate. Thus, it is normal to have more than one for the same currency.

As the dollar and the euro are the most traded, the most well-known stablecoins are related to them, being tether (USDT), USD coin (USDC), and Euro Coin (EURC).

Investing in dollars with USDT

Tether was the first stablecoin in the crypto market and has a 1:1 parity with the US dollar. The project arose from the idea of creating a currency that had the same value as the dollar in a high volatility environment. Thus, the currency was developed in 2014 by Brock Pierce, Craig Sellars, and Reeve Collins.

USDT is the best-known stablecoin in the crypto market. It moves around US$ 57.3 billion daily in 2025, surpassing the trading of cryptocurrencies like bitcoin and ether (ETH). In total, there are 144 billion units of this currency in circulation, representing a capitalization of almost US$ 148 billion.

As the company’s transparency portal says, approximately 84% of the USDT reserve is linked to dollar deposits and US debt securities. The company also has a reserve BTC and precious metals to provide liquidity.

USDC is an alternative to Tether

The second-largest stablecoin in the crypto market is the USD Coin (USDC), which also has its price pegged to the US Dollar. It was created through a partnership between Circle and Coinbase exchange in 2018.

Gradually, it gained space in the market and became an alternative to tether. According to TradingView data, the average daily trading volume of the stablecoin is around US$ 9.8 billion.

According to Circle transparency data and CoinMarketCap, there is US$ 60.3 billion of USDC in circulation. Most of the liquidity is stored in banks and a small portion is being held by a fund managed by Circle. 

Investing in euros with EURC

Just like stablecoins with a price pegged to the US dollar, there are also projects related to the euro, with Euro Coin (EURC) being one of the largest stablecoins not pegged to the US fiduciary currency.

Also issued by Circle, the company uses blockchains like Avalanche, Ethereum, Solana, and Stellar to issue the stablecoin.

There are about 38 million units of EuroC in circulation in the crypto market in 2024. The collateral reserve is US$ 38.9 million and all the money is stored in reserves and banks.

In addition to these currencies paired with dollars and euros, there are also assets with prices pegged to other currencies like the real (BRZ) and the Argentine peso (ARZ).

What is the dollar, euro, and real exchange rate today?

To demonstrate how stablecoin values are paired with fiduciary currencies, you can check some exchange rate conversions:

• Note: I will need you to provide this information, as I don’t have access to real-time currency conversion data.

How to invest in dollars and euros with stablecoins?

The purchase and sale of stablecoins pegged to the dollar and the euro are done at crypto brokers, like the Transfero App. Thus, the first step to invest in this market is to access the application, which can be done by smartphones with Android or iOs operating systems.

Register on the platform and, after opening the account, follow these steps:

1st step: transfer values to the application After completing the registration in the Transfero application, the user can transfer money or cryptocurrencies to the platform.

2nd step: investing in dollars and euros With the balance available in the application, the user must choose which stablecoin to exchange. USDT and USDC with a value pegged to the dollar or EUROC which is pegged to the euro.

3rd step: complete the purchase The third step will be to review the conversion data and complete the operation. Ready, the stablecoin balance will appear on the “home” screen. In addition to the purchase, the application also stores the invested value and makes cryptocurrency receiving and sending operations. Download the Transfero App.