{"id":470778,"date":"2022-12-15T16:05:51","date_gmt":"2022-12-15T16:05:51","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=470778"},"modified":"2025-12-01T16:54:07","modified_gmt":"2025-12-01T16:54:07","slug":"beginners-guide-to-stablecoins","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/cryptocurrency\/beginners-guide-to-stablecoins","title":{"rendered":"A beginner\u2019s guide to stablecoins"},"content":{"rendered":"<div id=\"ukfcyfixeddisclaimer\" class=\"visible no-margin-top\" data-template=\"masthead-two-columns\">\n<div id=\"ukfcyfixeddisclaimerbody\" class=\"text-center fin-text-white\" data-nosnippet><strong>Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. <u id=\"ukfcydscmdl\" onclick=\"ukfcyshowmodal();\">Take 2 mins to learn more<\/u>.<\/strong><\/div>\n<\/div>\n<style>\n@media (max-width: 767px) { .fixeddisclaimerbody { letter-spacing: -0.4px; } }\n@media (min-width: 1350px) { #page, #side-nav-container { padding-top: 24px !important; } .gn svg.w-\\[16px\\].h-\\[9px\\] { margin-top: 24px !important; } }\n@media (max-width: 1349px) and (min-width: 701px) { #page, #side-nav-container { padding-top: 48px !important; } .gn svg.w-\\[16px\\].h-\\[9px\\] { margin-top: 48px !important; } }\n@media (max-width: 700px) and (min-width: 481px) { #page, #side-nav-container { padding-top: 68px !important; } }\n@media (max-width: 480px) and (min-width: 381px) { #page, #side-nav-container { padding-top: 86px !important; } }\n@media (max-width: 380px) { #page, #side-nav-container { padding-top: 102px !important; } }\n#ukfcyfixeddisclaimer { top: 0; left: 0; position: fixed; right: 0; width: 100%; z-index: 40001; text-align: center; }\n#ukfcyfixeddisclaimerbody { line-height: 1.2; background-color: #6c7881; overflow: hidden; letter-spacing: -0.2px; padding: 4px 3px 5px 3px; }\n#ukfcymodal { z-index: 40002; }\n#ukfcymodalclosereal { z-index: 40003; position: fixed; left: 0; right: 0; top: 0; bottom: 0; }\n#modal-content { z-index: 40004; }\n.gn .nav-slideout--active { top: auto !important; }\n.gn .fixed { position: static !important; }\n#ukfcydscmdl { cursor: pointer; }\n<\/style>\n\n\n<div class=\"docsModal\">\n<section class=\"luna-modal\" aria-hidden=\"false\" role=\"dialog\" id=\"ukfcymodal\" aria-labelledby=\"modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\">\n<div class=\"luna-modal__content\">\n<button id=\"ukfcymodalclose\" class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\">\n<svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#close\"><\/use><\/svg>\n<\/button>\n<div id=\"ukfcymodalclosereal\"><\/div>\n<div class=\"luna-modal__body\" id=\"modal-content\">\n<div class=\"luna-modal__wrapper\">\n\n<p><strong>Estimated reading time: 2 min<\/strong><\/p>\n\n<p>Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.<\/p>\n\n<h4 id=\"modal-heading\">What are the key risks?<\/h4>\n\n<p>1. You could lose all the money you invest<\/p>\n\n<ul> \n<li>The performance of most cryptoassets can be highly volatile, with their value dropping as quickly as it can rise. You should be prepared to lose all the money you invest in cryptoassets.<\/li>\n<li>The cryptoasset market is largely unregulated. There is a risk of losing money or any cryptoassets you purchase due to risks such as cyber-attacks, financial crime and firm failure.<\/li>\n<\/ul>\n\n<p>2. You should not expect to be protected if something goes wrong<\/p>\n\n<ul>\n<li>The Financial Services Compensation Scheme (FSCS) doesn't protect this type of investment because it's not a 'specified investment' under the UK regulatory regime \u2013 in other words, this type of investment isn't recognised as the sort of investment that the FSCS can protect. Learn more by using the FSCS <a href=\"https:\/\/www.fscs.org.uk\/check\/investmentprotection-checker\">investment protection checker<\/a>.<\/li>\n<li>The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm or Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. Learn more about FOS protection <a href=\"https:\/\/www.financialombudsman.org.uk\/consumers\">here<\/a>.<\/li>\n<\/ul>\n\n<p>3. You may not be able to sell your investment when you want to<\/p>\n\n<ul>\n<li>There is no guarantee that investments in cryptoassets can be easily sold at any given time. The ability to sell a cryptoasset depends on various factors, including the supply and demand in the market at that time.<\/li>\n<li>Operational failings such as technology outages, cyber-attacks and comingling of funds could cause unwanted delay and you may be unable to sell your cryptoassets at the time you want.<\/li>\n<\/ul>\n\n<p>4. Cryptoasset investments can be complex<\/p>\n\n<ul>\n<li>Investments in cryptoassets can be complex, making it difficult to understand the risks associated with the investment.<\/li>\n<li>You should do your own research before investing. If something sounds too good to be true, it probably is.<\/li>\n<\/ul>\n\n<p>5. Don't put all your eggs in one basket<\/p>\n\n<ul>\n<li>Putting all your money into a single type of investment is risky. Spreading your money across different investments makes you less dependent on any one to do well.<\/li>\n<li>A good rule of thumb is not to invest more than 10% of your money in high-risk investments.<\/li>\n<\/ul>\n\n<p>If you are interested in learning more about how to protect yourself, visit the FCA's website <a href=\"https:\/\/www.fca.org.uk\/investsmart\">here<\/a>.<\/p>\n\n<p>For further information about cryptoassets, visit the FCA's website <a href=\"https:\/\/www.fca.org.uk\/investsmart\/crypto-basics\">here<\/a>.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n\n\n<script>\nfunction ukfcyshowmodal() {\nvar infomodal = document.getElementById(\"ukfcymodal\");\ninfomodal.classList.add('is-visible');\ninfomodal.setAttribute(\"aria-hidden\", \"false\");\ndocument.getElementById(\"ukfcymodalclosereal\").addEventListener('click',function()\n{\nvar infomodal = document.getElementById(\"ukfcymodal\");\ninfomodal.classList.remove('is-visible');\ninfomodal.setAttribute(\"aria-hidden\", \"true\");\n});\n};\n<\/script><p>Stablecoins provide a way to bridge the gap between fiat currencies (such as pounds sterling) and cryptocurrencies. They\u2019re designed to provide stability in the infamously volatile cryptocurrency market as the prices of most are \u201cpegged\u201d to something valuable like the US dollar or gold. However, they still come with risks. Here\u2019s what you need to know.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block has-padding-top-xsmall has-padding-bottom-xsmall\"><footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\" style=\"margin: -10px -12px 2px -10px;\"><span class=\"disclaimer_popup--text\">Promoted<\/span><a class=\"has-padding-left-xxsmall\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><\/a><\/footer><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/5@s u-grid__col--orderLast@s\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/gx\/cryptocurrency\/coinbase-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22GXFCY%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2022%252F12%252FCoinbase-logo.png%22%2C%22style%22%3A%22width%253A%2B180px%253B%22%2C%22offer_id%22%3A%2217163%22%2C%22niche_code%22%3A%22GXFCY%22%2C%22product_id%22%3A%224e5d1d07-20eb-4ce4-9979-8ac011b31cac%22%2C%22product_name%22%3A%22Coinbase%22%2C%22provider_id%22%3A%22af88b507-6960-4cbd-b552-f8f6d85bc49e%22%2C%22provider_name%22%3A%22Coinbase%22%2C%22post_id%22%3A%22470778%22%2C%22post_path%22%3A%22cryptocurrency%252Fbeginners-guide-to-stablecoins%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/Coinbase-logo.png\" alt=\"Coinbase logo\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/Coinbase-logo.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/Coinbase-logo.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/Coinbase-logo.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/a><\/div><div class=\"u-grid__col u-4\/5@s\"><p>This is a paid content promotion brought to you by Coinbase.<\/p><p>Visit <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/gx\/cryptocurrency\/coinbase-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22coinbase.com%22%2C%22site%22%3A%22GXFCY%22%2C%22offer_id%22%3A%2217163%22%2C%22niche_code%22%3A%22GXFCY%22%2C%22product_id%22%3A%224e5d1d07-20eb-4ce4-9979-8ac011b31cac%22%2C%22product_name%22%3A%22Coinbase%22%2C%22provider_id%22%3A%22af88b507-6960-4cbd-b552-f8f6d85bc49e%22%2C%22provider_name%22%3A%22Coinbase%22%2C%22post_id%22%3A%22470778%22%2C%22post_path%22%3A%22cryptocurrency%252Fbeginners-guide-to-stablecoins%22%2C%22post_country%22%3A%22uk%22%7D\">coinbase.com<\/a> or review our <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/gx\/cryptocurrency\/coinbase-uk-secure.html?nb=1&amp;src_country=uk&amp;b=https%3A%2F%2Fcomparison.go2jump.org%2Faff_c%3Foffer_id%3D22728%26aff_id%3D1039%26url_id%3D72991&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22stablecoin%2Bwhite%2Bpaper%22%2C%22site%22%3A%22GXFCY%22%2C%22offer_id%22%3A%2217163%22%2C%22niche_code%22%3A%22GXFCY%22%2C%22product_id%22%3A%224e5d1d07-20eb-4ce4-9979-8ac011b31cac%22%2C%22product_name%22%3A%22Coinbase%22%2C%22provider_id%22%3A%22af88b507-6960-4cbd-b552-f8f6d85bc49e%22%2C%22provider_name%22%3A%22Coinbase%22%2C%22post_id%22%3A%22470778%22%2C%22post_path%22%3A%22cryptocurrency%252Fbeginners-guide-to-stablecoins%22%2C%22post_country%22%3A%22uk%22%7D\">stablecoin white paper<\/a> for more information on USDC.<\/p><\/div><\/div><\/div><\/article><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"8qI3g3wCJec\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/8qI3g3wCJec\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/8qI3g3wCJec\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/8qI3g3wCJec\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">4:28<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-8qI3g3wCJec\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>What is a stablecoin?<\/h3><p>A stablecoin is a type of <a href=\"https:\/\/www.finder.com\/uk\/cryptocurrency\">cryptocurrency<\/a> whose value is pegged to something like the US dollar or gold. What it is pegged to can vary, but the idea is that by linking the value of the digital asset to something else the price will be more stable than the price of other types of crypto.<\/p><p>Typically, the issuer of a stablecoin will set up a \u201creserve\u201d where it securely stores the asset which is acting as collateral. For example, if the stablecoin is backed by US dollars, the stablecoin issuer will have $1 million in reserve to support 1 million units of the stablecoin.<\/p><h3>Types of stablecoins<\/h3><p>It\u2019s important to understand that there are different types of stablecoins. Each type is backed by a different type of asset:<\/p><ul><li><strong>Fiat security.<\/strong> This is the most common collateral for stablecoins. \u201cFiat-collateralised\u201d stablecoins are backed by a real-world asset, most commonly the US dollar. The asset is owned and held by a central entity, with each unit of the stablecoin backed by a corresponding unit of the fiat currency.<\/li><li><strong>Cryptocurrency-backed.<\/strong> These stablecoins are backed by a digital currency. In order to account for the price volatility of cryptocurrency, crypto-backed stablecoins are backed by crypto deposits in a ratio higher than 1:1.<\/li><li><strong>Commodity-backed.<\/strong> This type of stablecoin is backed by a physical asset like gold or another precious metal.<\/li><li><strong>Algorithmic stablecoins.<\/strong> The issuer of these stablecoins uses an algorithm which increases or decreases the coin\u2019s supply in response to changes in demand in order to maintain its \u201cpeg\u201d. There\u2019s no collateral in place to back up this type of stablecoin.<\/li><\/ul><h3>How to buy a stablecoin<\/h3><p>You can buy a stablecoin like USDC on a cryptocurrency exchange like <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/gx\/cryptocurrency\/coinbase-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Coinbase%22%2C%22site%22%3A%22GXFCY%22%2C%22offer_id%22%3A%2217163%22%2C%22niche_code%22%3A%22GXFCY%22%2C%22product_id%22%3A%224e5d1d07-20eb-4ce4-9979-8ac011b31cac%22%2C%22product_name%22%3A%22Coinbase%22%2C%22provider_id%22%3A%22af88b507-6960-4cbd-b552-f8f6d85bc49e%22%2C%22provider_name%22%3A%22Coinbase%22%2C%22post_id%22%3A%22470778%22%2C%22post_path%22%3A%22cryptocurrency%252Fbeginners-guide-to-stablecoins%22%2C%22post_country%22%3A%22uk%22%7D\">Coinbase<\/a>.<\/p><p>Usually, you expect to pay a transaction fee when buying or selling cryptocurrencies with an exchange. However, Coinbase does not charge commission fees when UK customers buy or sell USDC<sup>1<\/sup>.<\/p><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/gx\/cryptocurrency\/coinbase-uk-secure.html?nb=1&amp;src_country=uk&amp;b=https%3A%2F%2Fcomparison.go2jump.org%2Faff_c%3Foffer_id%3D22728%26aff_id%3D1039%26url_id%3D72992&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22USDC%22%2C%22site%22%3A%22GXFCY%22%2C%22offer_id%22%3A%2217163%22%2C%22niche_code%22%3A%22GXFCY%22%2C%22product_id%22%3A%224e5d1d07-20eb-4ce4-9979-8ac011b31cac%22%2C%22product_name%22%3A%22Coinbase%22%2C%22provider_id%22%3A%22af88b507-6960-4cbd-b552-f8f6d85bc49e%22%2C%22provider_name%22%3A%22Coinbase%22%2C%22post_id%22%3A%22470778%22%2C%22post_path%22%3A%22cryptocurrency%252Fbeginners-guide-to-stablecoins%22%2C%22post_country%22%3A%22uk%22%7D\">USDC<\/a> is one of the major stablecoins on the market. <a href=\"https:\/\/www.centre.io\/usdc-transparency\" target=\"_blank\" rel=\"noopener\">It is pegged to the US dollar on a 1:1 basis<\/a>, meaning every unit of the stablecoin in circulation is backed by $1 or asset with equivalent fair value, which is held in accounts with US regulated financial institutions.<p><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/guide_to_stablecoins_1200%C3%97628.png\" alt=\"A beginner\u2019s guide to stablecoins\" class=\"size-full wp-image-294575 aligncenter\" width=\"1200\" height=\"628\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/guide_to_stablecoins_1200%C3%97628.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/guide_to_stablecoins_1200%C3%97628.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/guide_to_stablecoins_1200%C3%97628.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/guide_to_stablecoins_1200%C3%97628.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/guide_to_stablecoins_1200%C3%97628.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/12\/guide_to_stablecoins_1200%C3%97628.png?fit=3600 3600w\" sizes=\"(max-width: 3600px) 100vw, 3600px\" loading=\"lazy\"><\/p><h3>How can you use a stablecoin?<\/h3><p>There are several ways to use a stablecoin. Here are some of the most popular:<\/p><ul><li><strong>Protection against market volatility.<\/strong> Due to the extreme price fluctuations in the crypto market, moving your digital assets into a stablecoin could hedge against market volatility.<\/li><li><strong>Global access to a stable currency.<\/strong> In a country where the local currency is experiencing hyperinflation, holding a decentralised stablecoin may allow people to protect their wealth. Stablecoins provide a relatively secure, cheaper and faster way for anyone to send funds to another party.<\/li><li><strong>Earn a yield.<\/strong> As with some other cryptocurrencies, you may be able to earn a yield with stablecoins. For example, <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/gx\/cryptocurrency\/coinbase-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Coinbase%22%2C%22site%22%3A%22GXFCY%22%2C%22offer_id%22%3A%2217163%22%2C%22niche_code%22%3A%22GXFCY%22%2C%22product_id%22%3A%224e5d1d07-20eb-4ce4-9979-8ac011b31cac%22%2C%22product_name%22%3A%22Coinbase%22%2C%22provider_id%22%3A%22af88b507-6960-4cbd-b552-f8f6d85bc49e%22%2C%22provider_name%22%3A%22Coinbase%22%2C%22post_id%22%3A%22470778%22%2C%22post_path%22%3A%22cryptocurrency%252Fbeginners-guide-to-stablecoins%22%2C%22post_country%22%3A%22uk%22%7D\">Coinbase<\/a> customers can earn a 1% yield on USDC holdings<sup>2<\/sup>.<\/li><\/ul><h3>How can a stablecoin depeg?<\/h3><p>One of the risks of a stablecoin is that it can \u201cdepeg\u201d from its collateral value.<\/p><p>How this occurs depends on how the stablecoin is backed. A sudden depegging is usually caused by the following issues:<\/p><h4>Mismatched reserves<\/h4><p>Asset-backed stablecoins will lose their peg if the issuing entity doesn\u2019t have enough reserves to back the number of stablecoins in circulation. However, this will only happen if markets are aware of the mismatch.<\/p><h4>Market movements disrupt the algorithm<\/h4><p>Algorithmic stablecoins can depeg if the market outperforms the algorithm or crashes too quickly. The algorithm is designed to secure the stablecoin\u2019s currency peg to supply and demand. However, it\u2019s not guaranteed \u2013 significant market crashes can still cause the currency to lose its peg.<\/p><h3>Bottom line<\/h3><p>The idea behind stablecoins is to help reduce some of the volatility seen in other cryptocurrencies. A widely held stablecoin could be a key stepping stone to mass crypto adoption. However, that goal is a little way off just now.<\/p><p>If you\u2019re interested in stablecoins, it\u2019s important to understand how the coin is backed and what risks are associated with it. Cryptocurrency is unregulated in the UK, so there\u2019s no consumer protection. Even with stablecoins, the value can rise or fall, so it\u2019s important not to invest what you can\u2019t afford to lose, and to do your own research before buying your first stablecoin.<\/p><h5>Disclosures<\/h5><p>(1) This feature may not be available to all regions. No commission fees attributed to Coinbase will be charged until further notice. However, spread, and processing fees charged by third party processors, will continue to apply.<\/p><p>(2) Upon purchase of USDC, you will be automatically opted in to rewards. If you\u2019d like to opt out or learn more about rewards, you can check out <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/gx\/cryptocurrency\/coinbase-uk-secure.html?nb=1&amp;src_country=uk&amp;b=https%3A%2F%2Fcomparison.go2jump.org%2Faff_c%3Foffer_id%3D22728%26aff_id%3D1039%26url_id%3D72992&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Coinbase%2527s%2BUSDC%2Brewards%2BFAQs%22%2C%22site%22%3A%22GXFCY%22%2C%22offer_id%22%3A%2217163%22%2C%22niche_code%22%3A%22GXFCY%22%2C%22product_id%22%3A%224e5d1d07-20eb-4ce4-9979-8ac011b31cac%22%2C%22product_name%22%3A%22Coinbase%22%2C%22provider_id%22%3A%22af88b507-6960-4cbd-b552-f8f6d85bc49e%22%2C%22provider_name%22%3A%22Coinbase%22%2C%22post_id%22%3A%22470778%22%2C%22post_path%22%3A%22cryptocurrency%252Fbeginners-guide-to-stablecoins%22%2C%22post_country%22%3A%22uk%22%7D\">Coinbase's USDC rewards FAQs<\/a>. The rewards rate is subject to change and can vary by region. Customers will be able to see the latest applicable rates directly within their accounts.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p class=\"has-margin-bottom-xsmall\">*Cryptocurrencies aren't regulated in the UK and there's no protection from the Financial Ombudsman or the Financial Services Compensation Scheme. Your capital is at risk. Capital gains tax on profits may apply.<\/p><p>Cryptocurrencies are speculative and investing in them involves significant risks - they're highly volatile, vulnerable to hacking and sensitive to secondary activity. The value of investments can fall as well as rise and you may get back less than you invested. Past performance is no guarantee of future results. This content shouldn't be interpreted as a recommendation to invest. Before you invest, you should get advice and decide whether the potential return outweighs the risks. Finder, or the author, may have holdings in the cryptocurrencies discussed.<\/p><\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Your beginner&#8217;s guide to stablecoins: what they are, how they work, how they can be used and what happens if they depeg. 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