# 4.USDTOCH products

In recent years, as the global economy continues to integrate, investors are becoming more and more selective in their choice of investment targets, among which US stocks and cryptocurrency investments are becoming the main choice for investors. With its lowest cost and highest return, USDToch is becoming the best option for investments in U.S. stocks and cryptocurrencies&#x20;

**4.1 Cryptocurrency market: development history and Total market capitalization**

Based on cryptography technology, cryptocurrencies are issued and traded with decentralized technology and algorithms, dispensing with the need for centralized institutions. The development and promotion of blockchain technology accelerates the expansion of cryptocurrencies.

The development of cryptocurrencies can be traced back to the birth of Bitcoin in 2009. With Bitcoin leading the way, various cryptocurrencies have been emerging, the most famous of which are Bitcoin, Ethereum, Ripple, Bit Cash, etc.

The total market capitalization of the cryptocurrency market has been increasing in the past few years. According to statistics, as of September 2021, it had exceeded $2 trillion, with Bitcoin accounting for more than 50% of the total value. The market capitalization of cryptocurrencies such as Ethereum, Ripple and Bit cash are also above tens of billions of dollars.

In a long time span, cryptocurrencies are the most promising growth asset in the world. Whether Bitcoin, ETH, or other mainstream assets, these assets have all grown by as little as hundreds of times and as much as tens of thousands of times in asset appreciation over the past decade.

Overall, the development trend of cryptocurrencies is very obvious, and its market scale and influence continue to expand. In the future, cryptocurrencies will further promote the change of the financial industry and will bring more convenience and possibilities to people's lives.

**4.2 U.S. stock market: an overview of its development history and entry thresholds**

4.2.1 Brief overview of U.S. stock market development

The U.S. stock market can be traced back to the 18th century, when trading was mainly conducted in coffee houses and bars. With the development of the economy and the growth of the stock market, trading gradually shifted to more professional venues, such as the New York Stock Exchange (NYSE) and the Nasdaq Stock Market (NASDAQ).

In the 20th century, the stock market experienced significant development, especially during the economic prosperity period after World War II, when more and more investors participated in the stock market. Since the 1990s, the development of the internet and electronic trading technology has promoted the automation and informatization of stock trading, making trading more efficient and convenient.

The U.S. stock market is one of the largest stock markets in the world and one of the most important financial centers in the world. As of 2021, the total market capitalization of the U.S. stock market had reached approximately $50 trillion, with the market cap of Nasdaq being around $20 trillion, and the market cap of the New York Stock Exchange being around $30 trillion. At present, its market capitalization exceeds $61 trillion, accounting for about 50% of the global stock market. This means that investors can find numerous high-quality investment targets in the U.S. stock market where there are choices and opportunities with diverse  investment risks. At the same time, the U.S. stock market has high liquidity with huge trading volumes. The developed derivatives market based on the U.S. stocks provides investors with abundant financial tools such as options, futures, and ETFs for richer choices.

4.2.2 Entry thresholds for U.S. stock market participation

Participating in the U.S. stock market requires a certain level of financial strength, technical expertise, legal understanding, information acquisition ability, and risk management capability. For ordinary investors, it is necessary to conduct thorough market research and risk assessment before making investments.

* Financial threshold: Participation in the U.S. stock market requires a certain level of financial strength. In general, the U.S. stock exchanges require a minimum opening capital of $500 for an individual account, but in practice more capital is needed for stock purchases and to pay commissions and other fees.
* Technical threshold: Participation in the U.S. stock market requires a certain level of technical skills and the ability to use devices such as computers and cell phones, as well as an understanding of the rules and procedures of the stock exchange and the acquisition of trading skills.
* Legal threshold: Participation in the U.S. stock market requires compliance with the rules and regulations of the U.S. Securities and Exchange Commission and the stock exchanges, such as tax and reporting requirements for those who hold U.S. citizenship or reside in the U.S., etc.
* Information threshold: Participation in the U.S. stock market requires timely access to relevant market and stock information, understanding of company earnings, economic data and other factors affecting stock prices.
* Risk threshold: Participation in the U.S. stock market requires certain investment risks, including market fluctuation risk, industry risk, company risk, etc. Therefore, a certain level of risk identification and control ability is required.

Using USDToch can achieve asset allocation in the U.S. stock market without thresholds or fees. Additionally, because USDToch uses blockchain technology as its technical underlier for the platform, users do not need to go through Know Your Customer (KYC) and asset proof audits when participating in the U.S. stock market. This provides a seamless and fee-free way to participate in the U.S. stock market.&#x20;

**4.3 NFT: overview of its development history and advantages**

4.3.1 Overview of NFT development

Non-Fungible Tokens (NFTs) are digital assets based on blockchain technology, and each NFT is unique. Their unique properties have made NFTs a booming market in fields such as digital collectibles, gaming assets, art, music, and more.

NFTs can be traced back to 2017 when some gaming companies began creating unique NFTs for game items and other assets using blockchain technology, and trading them on blockchain marketplaces. However, NFTs truly exploded in 2021, with digital art being the most representative example.

The total market value of NFTs has skyrocketed, from a few million dollars in early 2021 to over 2 billion dollars by March. Digital art has become a significant part of the NFT market, referred to as the "digital gold," with auction houses such as Christie's and Sotheby's also auctioning digital art NFTs.

The development of NFTs has important implications for the digital asset industry. They provide new revenue models for artists, game developers, musicians, and other creators, and offer a more secure, transparent, and convenient way for buying and selling digital assets.

4.3.2 Advantages of NFT lending platforms

NFT lending platforms are backed by while also specializing in the promising online derivatives market. They use an intelligent aggregation strategy to realize optimal returns. These platforms have mature and verified liquidity provision strategies, calculated through big data and executed automatically by an AI system, thereby ensuring stable and low-risk returns.

Through low thresholds, high yield returns and multiple incentives, the NFT lending platforms are bringing together long-tail capital to provide liquidity services to the market through sizable capital. With a highly innovative derivatives mechanism, they are making blue chip NFT a derivative investment underlying and unlocking the value stored in more blue chip NFTs.

USDToch has launched a decentralized leveraged collateral lending protocol based on NFTs. Unlike other NFT lending platforms in the market, USDToch allows users not only to collateralize NFT assets to the liquidity pool and obtain cryptocurrencies such as USDT. On USDToch, users can also collateralize cryptocurrencies in the protocol to further borrow funds and use them to purchase blue-chip NFT on the platform and profit when the NFT price rises.

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