Circle Stock: My Investment Experience and Bottom-Fishing Thoughts

Many friends ask me:
"How do you view Circle? When is the right time to bottom-fish?"

I want to share my experience. This isn’t investment advice, but rather a reference for those lost in volatility.

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1. Before investing in Circle, I first understood what it is truly selling

Many people think Circle is selling technology, Web3, or the future of finance.
But the reality is: Circle mainly sells trust and U.S. dollar interest rates.

Most of the reserves in USDC are cash and U.S. Treasuries, and a significant portion of Circle’s profits come from the interest on these reserves.
In other words:
• When U.S. interest rates are high, it makes money;
• When interest rates fall, its core profit engine slows down;
• Industry regulation benefits it;
• Regulatory chaos puts pressure on it.

Understanding this, investing in Circle is no longer blind FOMO, but a more rational approach.

My experience is—investing in Circle should be seen as a hybrid between growth tech stocks and financial rate stocks.
It has growth potential, but also cyclical; industry dividends, but regulatory uncertainty.

Now I think the time to bottom-fish Circle is not the best. Although the stock price has already reached 66 yuan. But it faces restrictions on low-cost stocks being unlocked. Plus, the current crypto market is especially bad, so I think Circle may continue to decline. Friends who are very anxious can start building some positions now. But I plan to start building at around 50. This is a long-term stock, and you should hold it for at least 5 years!
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