Resgate
O resgate ocorre quando um detentor devolve stablecoins ao emissor e recebe a moeda de referência. As regras divergem. O MiCA exige que os emissores de e-money tokens resgatem a qualquer momento, ao valor nominal e sem taxa. O GENIUS Act exige procedimentos claros para o resgate tempestivo. Hong Kong espera que os pedidos sejam processados em até um dia útil; a FCA do Reino Unido exige o resgate em T+1. Os termos da Tether permitem o resgate apenas para clientes verificados, sujeito a valores mínimos e a taxas.
O que dizem as fontes
| Fonte | Citação | Link |
|---|---|---|
| MiCA, art. 49(4): resgate de e-money tokens | "Upon request by a holder of an e-money token, the issuer of that e-money token shall redeem it, at any time and at par value, by paying in funds, other than electronic money, the monetary value of the e-money token held to the holder of the e-money token." | publications.europa.eu |
| MiCA, art. 49(6): sem taxa de resgate | "Without prejudice to Article 46, the redemption of e-money tokens shall not be subject to a fee." | publications.europa.eu |
| GENIUS Act, seção 4(a)(1)(B): procedimentos de resgate | "establish clear and conspicuous procedures for timely redemption of outstanding payment stablecoins" | govinfo.gov |
| Diretriz de supervisão da HKMA: prazo | "redemption requests should be processed within one (1) business day after the day on which it is received by the licensee." | hkma.gov.hk |
| FCA PS26/10: T+1 | "We will still require UK stablecoin issuers to redeem any amount of UK-issued qualifying stablecoin within T+1." | fca.org.uk |
| Termos da Tether: condições de resgate | "Tether may from time to time make redemptions of Tether Tokens through the Site subject to minimum redemption amounts and other requirements." | tether.to |
| Termos da Tether: só clientes verificados podem resgatar | "In order to cause Tether Tokens to be issued or redeemed by Tether, you must be a verified customer of Tether." | tether.to |
| Termos da Tether: preço de resgate menos taxas | "less fees, where applicable. The Fiat currency payable on redemption will be paid to the bank account in your name designated by you via the process specified by Tether." | tether.to |
As citações são reproduzidas no idioma original.
Onde as fontes divergem
As fontes divergem quanto às taxas. O MiCA proíbe taxa de resgate para e-money tokens. Os termos da Tether dizem que o preço de resgate é pago "less fees, where applicable".
Termos relacionados
Veja também
- Explicação: Can I redeem USDT or USDC with the issuer myself?
- Análise: revain.org/coins/usdt/
- Análise: revain.org/coins/usdc/
- Análise: revain.org/coins/eurc/
Conferido com as fontes em 2026-11-01.
revain.org
Fontes
- https://publications.europa.eu/resource/cellar/01d55833-0660-11ee-b12e-01aa75ed71a1.0006.03/DOC_1
- https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm
- https://www.hkma.gov.hk/media/eng/doc/key-functions/ifc/stablecoin-issuers/Guideline_on_supervision_of_licensed_stablecoin_issuers_eng.pdf
- https://www.fca.org.uk/publication/policy/ps26-10.pdf
- https://tether.to/en/legal/