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    <title>PEGCOVE updates</title>
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    <description>PEGCOVE 的新文更新。</description>
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    <lastBuildDate>Fri, 11 Sep 2026 00:00:00 +0800</lastBuildDate>
    <copyright>© 2026 PEGCOVE</copyright>
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      <title>An unfamiliar stablecoin: five things to check before you hold it</title>
      <link>https://pegcove.com/en/articles/evaluate-new-stablecoin.html</link>
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      <pubDate>Fri, 11 Sep 2026 00:00:00 +0800</pubDate>
      <description>Before holding a stablecoin you have never heard of: check who issues it and whether a regulator lists them, what backs it, who can redeem it, where it really trades, and whether your token is the issuer's own.</description>
    </item>
    <item>
      <title>How to read a stablecoin reserve report yourself</title>
      <link>https://pegcove.com/en/articles/check-reserve-reports.html</link>
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      <pubDate>Mon, 31 Aug 2026 00:00:00 +0800</pubDate>
      <description>Where the official reserve pages are, the four fields that decide the answer, and why every report only speaks for its own as-of date.</description>
    </item>
    <item>
      <title>Can you actually redeem 1 USDT for $1?</title>
      <link>https://pegcove.com/en/articles/stablecoin-redemption.html</link>
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      <pubDate>Mon, 31 Aug 2026 00:00:00 +0800</pubDate>
      <description>What the issuers' redemption terms really say, why retail holders can't use them, and what actually holds the peg at 1.00.</description>
    </item>
    <item>
      <title>Your stablecoin depegged — sell or wait? Triage it in four steps</title>
      <link>https://pegcove.com/en/articles/depeg-what-to-do.html</link>
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      <pubDate>Thu, 30 Jul 2026 00:00:00 +0800</pubDate>
      <description>What to do in the hours after a stablecoin breaks its peg: triage it into a tier, check where your coins actually sit, then decide whether and how to move — plus the three places people lose money twice.</description>
    </item>
    <item>
      <title>Can Tether freeze your USDT? How the blacklist works — and the real risk</title>
      <link>https://pegcove.com/en/articles/usdt-blacklist-freeze.html</link>
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      <pubDate>Tue, 14 Jul 2026 00:00:00 +0800</pubDate>
      <description>How Tether's USDT blacklist works, who actually gets frozen, the three kinds of 'freeze' people mix up, and a self-protection checklist for beginners.</description>
    </item>
    <item>
      <title>Why algorithmic stablecoins are risky: the lesson of UST</title>
      <link>https://pegcove.com/en/articles/algo-stablecoin-risk.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>How algorithmic stablecoins work, the full UST death spiral, how to spot one at a glance, and how it fundamentally differs from fiat-backed coins.</description>
    </item>
    <item>
      <title>What is really in Tether's reserves? Reading USDT's reserve reports</title>
      <link>https://pegcove.com/en/articles/tether-reserves.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>What USDT's reserves are made of, how an attestation differs from the annual audit added in August 2026, Tether's history of scrutiny and fines, and how to read the reports yourself.</description>
    </item>
    <item>
      <title>What is a stablecoin? The peg explained, and the three types</title>
      <link>https://pegcove.com/en/articles/what-is-stablecoin.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>The definition of a stablecoin, why you need one, how it pegs to the dollar, and how fiat-backed, over-collateralised and algorithmic types differ in mechanism and risk.</description>
    </item>
    <item>
      <title>What is a stablecoin depeg, and how to spot one coming</title>
      <link>https://pegcove.com/en/articles/stablecoin-depeg.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>The definition of depegging, why it happens, the UST and USDC cases, and how ordinary holders spot the warning signs and react.</description>
    </item>
    <item>
      <title>What is USDC, and is it more transparent than USDT</title>
      <link>https://pegcove.com/en/articles/usdc-explained.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>What USDC is, who Circle is, how the reserves are made up and reported monthly, why it is seen as more transparent, its brief 2023 SVB depeg, how it compares with USDT, and who it suits.</description>
    </item>
    <item>
      <title>What is FDUSD? Why Binance pushes it, and is it safe</title>
      <link>https://pegcove.com/en/articles/fdusd-explained.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>What FDUSD is, who First Digital is, why Binance promotes it, whether the reserves stack up, how it differs from USDT, and whether beginners should use it.</description>
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    <item>
      <title>Ways to buy USDT, and which is cheapest</title>
      <link>https://pegcove.com/en/articles/how-to-buy-usdt-cheap.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>A breakdown of the cost of buying USDT by P2P, instant buy, and card, and how to pick the low-fee route.</description>
    </item>
    <item>
      <title>USDe, PYUSD and the newer stablecoins — should beginners touch them</title>
      <link>https://pegcove.com/en/articles/new-stablecoins.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>A quick guide to the mechanisms of USDe, PYUSD, USDG, and RLUSD, how they differ from USDT and USDC, whether beginners should touch them, and the risks.</description>
    </item>
    <item>
      <title>USDT vs USDC vs FDUSD: what's the difference and which should a beginner pick</title>
      <link>https://pegcove.com/en/articles/usdt-vs-usdc-vs-fdusd.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>How USDT, USDC and FDUSD differ on issuer, reserves, transparency, liquidity and regulation, and how a beginner should choose.</description>
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    <item>
      <title>USDT on an exchange vs self-custody — the trade-off</title>
      <link>https://pegcove.com/en/articles/usdt-custody-risk.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>The stablecoin-specific issuer risk, platform risk, and self-custody bar, and how a beginner decides between keeping small amounts on a platform and spreading larger ones out.</description>
    </item>
    <item>
      <title>The traps that come with holding USDT: fakes, clone contracts, high-yield schemes</title>
      <link>https://pegcove.com/en/articles/usdt-scam-signs.html</link>
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      <pubDate>Sat, 04 Jul 2026 00:00:00 +0800</pubDate>
      <description>Stablecoin-specific scams — fake USDT, clone contracts, high-yield schemes, wrong-network transfers, lookalike tokens — and how to spot and avoid each.</description>
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