正常情况下一枚USDT或者USDC的价格就应该是1美元，或者正常波动范围也不应该大于1美分。但是如果市场认为稳定币的发行商遇到了困难，那币价可能就会脱锚。
历史上USDT因为路子比较野，比较大厉害的脱锚一共出现了三次：
第一次是2017年4月，美国富国银行宣布 终止为 Bitfinex 代理清算服务。当时Tether真是啥都没有，没有审计报告，也没有储备证明。
而Bitfinex 的台湾合作银行也遭美方施压，资金出入受限。
用户无法及时提现，引发“平台无法兑付”的疑虑
于是持有USDT的价格跌倒0.91
USDT的第二次脱锚出现在2018年10月，这次是Bitfinex 被指挪用 Tether 储备资金弥补运营亏空，这件事情还被纽约总检察长调查，最后证实确实是有挪用8.5亿美元。
第三次比较大的脱锚出现在2022年，当时算法稳定币UST崩了，从1美元掉到0.1美元，于是乎很多用户也联想到USDT是不是也会崩呀？于是在恐慌情绪下把USDT的价格也挤兑到0.95美元。
Tether 当时未接受完整第三方审计，仅发布季度报告，储备中包含商业票据，市场上有传闻说这些商业票据可能会有恒大的股票。
所以我们看到USDT三次脱锚，貌似底层的核心原因都是因为Tether没有接受完整的第三方审计，用户容易产生恐慌导致的。
那换成USDC这个乖宝宝，从一开始就接受完整审计的稳定币，是不是就不会脱锚了呢？
其实也不是哈，在2023年3月11日，USDC一度脱锚至0.88美元。
当时USDC脱锚的原因就是Circle的核心托管银行，硅谷银行，倒闭啦！
当时Circle 在 SVB 有 33亿美元储备，约占 USDC 总储备的 8%。
USDC这次脱锚对Circle其实影响挺大的，Circle一直宣传他们是“合规稳定币，所以更稳定”。
结果发现合规机构也是靠不住，该倒闭还是一样倒闭。
本来在2022年USDC的发行量已经占到USDT的70%，只差两百亿就可以当上稳定币一哥，结果就因为这件事又被USDT甩开，现在两者相差大概900亿，USDC的发行量只有USDT的40%
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