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by ve55 3073 days ago
There's alternative explanations for a lot of the very strong accusations made against Tether.

People always refer to Tether 'printing money out of thin air', but they never consider the prospect that investors are wiring money to exchanges, having Tether printed for their use, and then using that USDT to purchase cryptocurrencies.

Bitfinex is huge. Bitfinex also has an OTC counter, which has been known to broker trades in excess of 10-50M USD. USDT is often the medium for which these trades are executed, so it makes sense that a lot of Tether needs to be printed when BTC is crashing, as that's when the larger players decide to buy in the most.

There is a lack of transparency, and I wouldn't be surprised if things don't look perfect behind the scenes, but that doesn't mean the entire thing is a billion dollar scam conspiracy that the largest exchanges are all in on. Not all transparency is in the users' advantage in this area either. Do you know why Bitfinex doesn't tell you exactly where their servers and wallets are located? Probably because they hold over a billion USD in BTC in a single address.

Keep in mind that the market clearly values Tether at around $1USD, almost always. That's a good sign that the market as a whole does not think Tether is going to suddenly collapse and take the entire ecosystem into it at any point in time.

It's important to read criticism like this and consider it, but not believe it blindly. There are a lot of feasible middleground scenarios between "is a complete fraud and scam" and the exact opposite.

6 comments

"Keep in mind that the market clearly values Tether at around $1USD, almost always. That's a good sign that the market as a whole does not think Tether is going to suddenly collapse and take the entire ecosystem into it at any point in time."

This is not the industry to make some sort of "efficient markets" argument. Bitconnect was an obvious ponzi scheme and was valued highly up until it collapsed a few days ago. Same for any number of these coins. And for Internet stocks in 1999. And housing in 2007. People are FOMOing and flooding money into the sector, buying random Alts that a friend told them about, without any clue of what they are. It's not surprising that nobody is thinking critically about Tether.

> People always refer to Tether 'printing money out of thin air', but they never consider the prospect that investors are wiring money to exchanges, having Tether printed for their use, and then using that USDT to purchase cryptocurrencies.

If you have USD you can just buy BTC directly, you don't need to deal with Tether. There is no reason to wire $100,000,000 to a mysterious company to get USDT to then buy BTC. I think it's much more likely they're simply making up new Tethers and using those to bid up the market during downturns--that's why Bitfinex won't give you USD when you sell and instead gives you USDT.

>People always refer to Tether 'printing money out of thin air', but they never consider the prospect that investors are wiring money to exchanges, having Tether printed for their use, and then using that USDT to purchase cryptocurrencies.

This isn't an alternative explanation. This is the same explanation.

Investors are printing USDT and using it to buy BTC.

It's different because it would mean there's a USD backing every USDT.
People are wiring $100mn a day into an exchange that has no known banking facilities?

> OTC counter, which has been known to broker trades

How do we know this?

> clearly values Tether at around $1USD

It's currently slightly above $1USD, which makes no sense for a risk-bearing asset. Tethers probably correspond best to an open-ended zero-coupon $1 bond. Why do they have negative yield? I can just about understand CHF gov bonds having negative yield but negative tether yield? Really?

If tether can be used for trading in venues where real USD can not be used, they have additional value to a certain classes of users (who will bid up the price) on top of the value as a “thing that can maybe be redeemed somehow at face value for USD”, which could support a premium price.
> It's important to read criticism like this and consider it, but not believe it blindly.

The article made provably true observations about Tether. You have made the most stretchingly feasible counterpoints that have no demonstrable proof or transparency. Who is believing something blindly here?

Making a counter point and believe blindly in the counter point are two separate things.
In all seriousness, who needs USDT when you (supposedly) got USD? Who would wire millions of actual USD to buy USDT to buy other coins?
Money Laundering?

You have $1M in dirty money. Wire it to Tether for some Tethers. Go on Bitfinex and buy lots of bitcoin. Transfer the bitcoin to a legitimate exchange. Sell for clean USD.

This could be a very valuable (and lucrative) service in certain circles, I have no doubt. One thing that could jeopardize the livelihood (...and lives?) of people running a business in this space would be a steeply falling Bitcoin price. They would probably do anything to keep the price up. Like issuing more magic tethers and buying Bitcoin with them.

But even then...

Why USD -> USDT -> BTC -> USD?

Why not USD -> BTC -> BTC -> BTC -> USD?

What does the extra layer of USDT really add legally, except for some added obfuscation that a few extra "intra-bitcoin" transactions would add as well?

(Genuine question, this is one of the more fascinating stories I've heard in a while :-)

It's my understanding that Tether transactions aren't traceable because there isn't a public blockchain...and possibly not even a blockchain at all. So the obfuscating step is the USD->USDT transaction. The rest of the process is getting clean money back.
Tether is on Omni layer. Its transactions are registered on the Bitcoin blockchain and I think that makes it traceable.

USD -> USDT and back is traceable using standard investigations of books and banking transcripts of entities dealing with Tether's managers.

Also, Tether is by now an internet-wide phenomenon. It's in the spotlight. And yet it keeps growing.

Bitfinex doesn't accept USD, so if you want to buy on Bitfinex you have to use USDT.

I can imagine that there are bank accounts out there full of USD that, let's say, wouldn't pass KYC/AML. Those people can't use Coinbase/Gemini, but maybe they are welcome at Bitfinex.

some exchanges don't deal in USD (only USDT)