Casinos That Accept USDC UK 2026: A Pragmatic Guide

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Casinos That Accept USDC UK 2026: A Pragmatic Guide

Stablecoins were supposed to make crypto gambling boring. Predictable. No more waking up to a 20% swing before your first coffee. USDC delivered exactly that: a dollar peg, transparent reserves, and a payment rail that works when traditional banks decide gambling transactions are too risky. The catch for UK players? The UK Gambling Commission has not made licensed casinos crypto-friendly. That means the casinos that accept USDC deposits in 2026 are mostly offshore, many of them outside GamStop’s reach, and you need a clear head before you sign up.

This guide walks through the reality: which sites take USDC, how deposits and withdrawals actually work, what the legal grey zone looks like, and where the bonus fine print tends to bite. No hype. No ‘guaranteed wins’. Just market observations from a decade of watching the industry recycle the same promises.

What USDC Brings to Online Casinos

USDC is a fiat-backed stablecoin issued by Circle. Each token is supposed to be redeemable for one US dollar, and the reserves are audited regularly. For a casino deposit, that means the amount you send today is worth the same when it lands. Compare that to sending Bitcoin: the network might take 30 minutes, and by the time it confirms, the value could have shifted enough to annoy you or, occasionally, delight you. Stablecoins remove that particular roulette spin from the transaction layer.

Processing is faster than bank transfers. Most USDC casinos credit deposits after a handful of network confirmations. On Ethereum that can take a couple of minutes and cost a few dollars in gas. On Solana, Tron, or Polygon, it can be under a minute and cost pennies. Withdrawals work the same way but in reverse. The casino sends USDC to your wallet, and you bridge it to fiat when you like. That’s the practical appeal.

But let’s not pretend it’s frictionless. You need a wallet, you need to buy USDC somewhere first, and you need to manage private keys or at least a custodial account. If that sounds like admin overhead, it is. The reward is a payment method that doesn’t get blocked by high-street banks for being gambling-related. That matters to a lot of UK players who have had deposits declined by Revolut or Monzo after they noticed the merchant category code.

Circle’s reserve transparency is a genuine differentiator. Unlike Tether’s sometimes opaque attestations, Circle publishes monthly reports from major accounting firms. That doesn’t make USDC risk-free. Regulators can freeze assets, and the stablecoin’s peg depends on the issuer’s banking partners. But for the time it takes to move money in and out of a casino, the counterparty risk is lower than holding a volatile coin.

The UK Regulatory Reality for USDC Casinos

The Gambling Commission still treats cryptocurrency with suspicion. As of early 2026, no UKGC-licensed operator advertises native USDC deposits. Some may convert crypto to fiat through a third party, but that hardly counts. The operators that actually accept USDC on the deposit screen are licensed elsewhere: Curaçao, Anjouan, Kahnawake, or sometimes Costa Rica. That is not a scandal; it’s just the current state of the market.

This creates a well-known trade-off. Offshore casinos do not participate in GamStop, the UK’s central self-exclusion scheme. If you have a GamStop registration, it will not block you from opening an account at a Curaçao-licensed site. That can be a feature for some players and a serious risk for others. The lack of UKGC oversight also means dispute resolution relies on the casino’s chosen ADR provider or, failing that, your own persistence.

None of this means offshore USDC casinos are inherently scams. Several have operated for years, process withdrawals reliably, and maintain active communities. But the burden of due diligence shifts to you. Check the licence number, read the terms, and never assume that a flashy site with a Telegram channel is solvent.

UK banks have also become selective about crypto transactions. Some customers report blocked transfers to exchanges, not to casinos directly. That has pushed players toward peer-to-peer on-ramps or prepaid crypto vouchers. The friction is not yet severe, but it’s worth testing your bank’s behaviour before you commit to a large deposit.

Is it legal to use USDC at online casinos in the UK?

UK law does not criminalise the act of gambling at offshore crypto casinos, but the operator is not licensed by the UKGC. You are not breaking a specific law by depositing USDC as an individual, though you lose UK consumer protections. The practical risk sits with the casino’s legal status, not your deposit.

Ranked: Top USDC Casinos for UK Players in 2026

Below is a shortlist of operators that have consistently accepted USDC from UK players, based on market presence, withdrawal reliability, and the absence of persistent complaint patterns. The order is not a recommendation to play; it’s a reflection of current traction and feature sets. Treat this list as a starting point, not a conclusion.

BC.Game

BC.Game has carved out a reputation for aggressive promotions and a huge slot catalogue. USDC deposits land on multiple networks, and withdrawals are typically processed quickly once KYC is complete. The bonus structure is layered, but wagering requirements are high. The platform’s own token and quirky daily tasks create extra noise. Not for minimalists.

One notable feature is the insurance pool, where tied-up crypto can buy you coverage against losses on certain games. It sounds clever, but the expected value is usually negative once you factor in fees. Still, the casino’s longevity and constant tournament schedule keep it relevant.

Stake

Stake is the elephant in the room. It sponsors F1, UFC, and a football club, so brand recognition is high. The casino side offers a clean interface, provably fair originals, and fast USDC payouts. There’s no traditional welcome bonus, which is either refreshing or annoying depending on what you expect. Ongoing promotions and a VIP system reward volume, not sign-ups.

Withdrawals are among the fastest in the industry, often instant after review. The catch is that Stake’s terms are strict about bonus abuse and multi-accounting. If you play honestly, you’re fine. If you try to game the system, expect a permanent ban and a frozen balance.

Cloudbet

Cloudbet started as a Bitcoin sportsbook and has expanded into casino games. It accepts USDC on Ethereum and Tron. Withdrawal times are decent, though the site’s focus leans toward sports bettors. If you want a single wallet for casino and sports, it’s a solid choice. The welcome bonus is a deposit match with a reasonable rollover compared with some peers.

The interface is not the prettiest, but it works. Live betting markets are deep, and the casino section includes all the major game providers. Customer support is available via live chat, though response times can stretch during peak sports events.

BitStarz

BitStarz is one of the older crypto casinos, and it shows in the polish of its customer support. USDC is accepted alongside dozens of other coins. The game library is extensive, including slots, table games, and live dealer from Evolution. KYC is required for larger withdrawals, but the process is predictable. Bonus terms are transparent, which is rare.

The casino has won awards, but those are mostly marketing. What matters is that BitStarz has processed withdrawals for nearly a decade without major scandals. The welcome bonus is split across your first few deposits, and free spins are added in batches. If you prefer a straightforward operator, this is a safe starting point.

mBit Casino

mBit has been around since 2014 and has a loyal following. USDC support is solid, and the casino runs frequent reload bonuses and free spin drops for existing players. The interface feels dated in places, but reliability matters more than aesthetics. Withdrawal requests are reviewed quickly during business hours.

The loyalty programme is based on a level system, with cashback and free spins at each tier. The wagering requirements on bonuses are lower than at many newer casinos, which makes them easier to clear. However, mBit’s game selection is not as large as BitStarz, so variety seekers may run out of new titles.

FortuneJack

FortuneJack offers a broad range of crypto including USDC on multiple chains. It’s known for a large welcome package and regular cashback. The casino has a no-nonsense design and a decent live dealer section. One quirk: bonus funds are often locked to specific games, so read the list before you claim.

The cashback scheme is genuinely useful if you play often. It’s calculated on net losses and paid as real balance, not bonus funds with a rollover. That’s a refreshing change from the usual points-for-nothing systems. Withdrawals are processed once every 24 hours, which is slower than instant but acceptable.

7Bit Casino

7Bit leans into retro aesthetics but supports modern payment rails like USDC. The slot selection is strong, and the welcome bonus includes free spins on popular titles. The casino has a track record of processing withdrawals within 24 hours for verified accounts. KYC can be requested early if you deposit larger amounts.

The site runs regular slot tournaments with prize pools paid in crypto, including USDC. The wagering requirements on bonuses are average, but the maximum bet rule is strict: you cannot bet more than a certain amount per spin while wagering a bonus, or the bonus and winnings are void. Keep an eye on that.

Katsubet

Katsubet is a newer brand that targets the same audience as mBit and 7Bit. USDC deposits are straightforward, and the site runs frequent tournaments with real prize pools in USDC. The game library is smaller than BitStarz, but the bonus terms are less convoluted. Good for players who want simple promotions without a spreadsheet.

The casino has a clean, modern design and responsive support. It’s licensed in Curaçao and uses standard KYC procedures. Withdrawal times are typically under 24 hours. The welcome package is split into four deposits, which can feel like a drip feed, but it keeps the wagering requirement manageable.

Mirax Casino

Mirax positions itself as a stylish, mobile-first casino. USDC is accepted on Ethereum and BNB Chain. The welcome bonus is split across the first few deposits, and the wagering requirement is average for the industry. Customer support is responsive on live chat, which matters when a withdrawal gets stuck in manual review.

The game library leans toward slots, with a smaller selection of table games and live dealer. If you mainly play slots on your phone, Mirax is a good fit. The casino also runs cashback promotions for regular players, paid in USDC without an extra rollover. That’s a plus.

Metaspins

Metaspins has lean, modern software and a strong focus on crypto-native players. USDC deposits are instant, and the casino advertises no KYC for small withdrawals. That’s appealing until you try to cash out a larger sum; verification will appear. The loyalty program is simple: rake back on every bet, paid in crypto. No complicated point systems.

The rakeback model is transparent and worth understanding. You receive a percentage of your wagered amount back, win or lose, as real balance. That reduces the effective house edge slightly, though it’s not a path to guaranteed profit. Metaspins also offers a welcome bonus for first deposits, but the rakeback is the real draw.

USDC Casino Comparison Table

The table below summarises the key points for the operators listed above. Treat the ‘Withdrawal Speed’ column as a typical range under normal conditions, not a guarantee. Most casinos reserve the right to delay withdrawals for manual review, especially on first cashouts or large amounts.

Casino Bonus Type Licence Min Deposit Withdrawal Speed USDC Networks
BC.Game Welcome deposit match + free spins Curaçao Low Instant to 1 hour Ethereum, Solana, BNB Chain
Stake No traditional welcome bonus; ongoing promotions Curaçao Low Instant Ethereum, Solana, Tron
Cloudbet Welcome deposit match Curaçao Low Instant to 24 hours Ethereum, Tron
BitStarz Welcome deposit match + free spins Curaçao Low Instant to 12 hours Ethereum
mBit Casino Welcome deposit match + free spins Curaçao Low Instant to 24 hours Ethereum, Tron
FortuneJack Welcome deposit match + cashback Curaçao Low Instant to 12 hours Ethereum, Tron
7Bit Casino Welcome deposit match + free spins Curaçao Low Instant to 24 hours Ethereum
Katsubet Welcome deposit match + free spins Curaçao Low Instant to 24 hours Ethereum, BNB Chain
Mirax Casino Welcome deposit match + free spins Curaçao Low Instant to 12 hours Ethereum, BNB Chain
Metaspins Rakeback + promotions Curaçao Low Instant to 1 hour Ethereum

How USDC Deposits and Withdrawals Actually Work

The deposit flow at any of these casinos follows the same skeleton. You create an account, navigate to the cashier, select USDC, and pick a network. The casino displays a deposit address. You copy it, open your wallet, paste the address, enter the amount, and confirm. The funds arrive after the network reaches the required confirmations. On Ethereum that might be three to six blocks; on Solana it’s effectively seconds.

Withdrawals are similar but reversed. You enter your receiving address in the casino’s withdrawal form, choose the network, and submit. The casino reviews the request, especially if it’s your first withdrawal or the amount is large. That review can take minutes or a day, depending on the operator’s internal queue. Once approved, the transaction broadcasts to the network and lands in your wallet.

The single biggest mistake players make is sending USDC on the wrong network. If the casino asks for an Ethereum address and you send on Polygon, the funds are not lost forever, but recovery can be slow and may involve a support fee. Always double-check the network before you hit confirm. That’s not a casino problem; it’s a user problem.

For small deposits, many casinos do not require KYC at all. You can deposit USDC, play, and withdraw up to a certain threshold without submitting documents. That threshold is often around £1,000 or the equivalent in USDC. Above that, expect a request for ID, proof of address, and sometimes a source of funds declaration. It’s annoying, but it’s standard practice across the industry.

How do I deposit with USDC at an online casino?

Create an account, open the cashier, select USDC, and choose the network shown by the casino. Copy the deposit address, send USDC from your wallet, and wait for confirmations. The funds will appear in your casino balance once the transaction is confirmed. Always verify the network before sending.

USDC Casino Fees and Network Costs

Casinos rarely charge a deposit fee for USDC, but they don’t control the network fee. On Ethereum, that fee can swing from a few dollars to over twenty during congestion. On Solana, Tron, or Polygon, it’s usually under a cent. Some casinos specify a preferred network and may offer a small bonus if you use it, but that’s rare.

Withdrawal fees are a different story. A few casinos charge a flat fee in USDC to cover network costs, typically equivalent to a couple of dollars. Others absorb the fee and process withdrawals for free. The comparison table above does not include fees because they change frequently, but you should check the casino’s banking page before depositing. A ‘free’ withdrawal on Ethereum might still cost you network gas, which the casino passes on indirectly.

If you’re depositing small amounts, network fees can eat a significant percentage. For example, a £20 deposit on Ethereum with a £5 gas fee means you’ve lost 25% before placing a bet. That’s why serious players use low-cost networks like Solana or Tron. The casino’s USDC support page usually lists the supported networks and the minimum deposit for each. Read it.

Bonuses, Free Spins, and the ‘Free’ Illusion

Crypto casinos love the word ‘free’. Free spins, no deposit bonuses, cashback ‘gifts’. Let’s be blunt: casinos are not charities. Every bonus carries conditions, and the conditions are engineered to keep your money on the site longer. A 100% match up to some amount sounds generous until you read the 40x wagering requirement and the list of games that contribute 0%.

USDC casinos are no different. The typical welcome package splits across your first three or four deposits. Free spins often arrive in batches over several days and are tied to specific slots. No deposit bonuses are rare and almost always capped at a tiny maximum cashout, like £50. That’s fine if you treat it as a free sample at a supermarket. It’s not fine if you expect to build a bankroll from it.

The sane approach: ignore the headline number and calculate the effective cost. Multiply the bonus amount by the wagering requirement, then divide by the average game contribution. If the number makes you wince, don’t claim the bonus. Many casinos allow you to decline bonuses and play with raw USDC instead. That’s often the cleaner path.

Cashback is a more honest promotion. It’s usually calculated on net losses over a week or month and paid as real balance or bonus with a low rollover. A 10% cashback on losses effectively reduces the house edge for that period, though the casino still wins over time. If a casino advertises ‘VIP’ treatment and then hands you a 5% cashback with a 3x rollover, you’re being sold a cheap motel with a fresh coat of paint. The ‘VIP’ label is just a loyalty programme, not a personal butler.

Can I get a no deposit bonus at USDC casinos?

Some USDC casinos offer no deposit bonuses, but they are small and come with strict terms. Expect a tiny amount of free credits or a handful of free spins, a maximum cashout limit around £50, and a wagering requirement before you can withdraw. Treat them as a trial, not a source of profit.

Games and Software at USDC Casinos

The game catalogue at a USDC casino usually mirrors what you’d find at a fiat online casino. Big studios like NetEnt, Pragmatic Play, Play’n GO, and Evolution supply slots, table games, and live dealer rooms. The difference is the cashier: you bet in USDC, and the backend converts the stake into fiat for the game engine. Winnings convert back automatically. It’s seamless.

Live dealer games deserve attention. Evolution’s blackjack and roulette tables are the industry standard, and they run 24/7. The minimum stakes at USDC casinos are often lower than their fiat counterparts, but that varies. If you’re used to a land-based casino, the live dealer environment is a reasonable substitute, minus the free drinks.

Provably fair games are the crypto-native addition. These are simple games like dice, crash, and mines where the result hash can be verified independently. Not every casino offers them, but Stake and BC.Game do. They’re a niche curiosity for most players, but the transparency is a genuine improvement over a black-box random number generator.

Slot RTPs do not change just because you deposit USDC. A 96% RTP slot still returns 96 cents for every dollar wagered over millions of spins. The denomination is irrelevant. If a casino advertises ‘high RTP USDC slots’, that’s marketing fluff. The game provider sets the RTP, and the casino cannot alter it without running a different version. Check the game info panel, not the casino’s banner.

Do USDC casinos offer live dealer games?

Yes, most USDC casinos offer live dealer games from providers like Evolution and Pragmatic Play Live. You can play blackjack, roulette, baccarat, and game shows with real human dealers while betting in USDC. The casino converts your USDC balance to fiat for the game and back automatically.

USDC vs Other Crypto: Alternatives for UK Players

USDC is not the only stablecoin in town. Tether, USDT, has deeper liquidity and is accepted at more casinos. DAI is decentralised but carries a slight peg risk. If you want volatility, Bitcoin and Ethereum remain the default crypto casino currencies, but you accept price swings. Many players use a hybrid: keep a small amount in Bitcoin for speculative bets and the bulk in USDC for stable value.

Traditional payment methods still work at UKGC-licensed casinos, but they don’t solve the crypto problem. Debit cards, PayPal, and bank transfers are fine if you stick to regulated sites. The moment you want to use a USDC casino, you need a crypto on-ramp or an exchange that lets you buy USDC with GBP. That’s an extra step, not a dealbreaker.

If USDC feels cumbersome, consider Litecoin or Tron for lower network fees and faster confirmations. But for players who simply want to avoid bank friction and keep their gambling balance separate from everyday spending, USDC is hard to beat for predictability.

UK stablecoin regulation is creeping forward. The Treasury has consulted on bringing stablecoins into the regulatory perimeter, and the FCA is expected to issue rules for fiat-backed tokens. That could eventually force Circle to obtain a UK authorisation, which might affect how UK exchanges list USDC. For now, buying USDC from a major exchange remains straightforward, but keep an eye on the news if you plan to hold significant amounts.

What is the best USDC alternative for casino payments?

The best alternative depends on your priority. USDT offers wider acceptance and deeper liquidity, but its reserve transparency is debated. Litecoin and Tron provide faster, cheaper transactions if you don’t mind price volatility. For UK players who want fiat-like stability without USDC, a prepaid voucher from a crypto exchange can bridge the gap.

Mobile USDC Casinos: Apps and Browser Play

Almost no USDC casino offers a native iOS or Android app through official stores. Apple and Google don’t allow real-money gambling apps unless they have local licences, which offshore casinos lack. Instead, operators optimise their sites for mobile browsers, and some offer progressive web apps that you can install from the browser menu. The experience is close enough to an app.

Performance on modern Android phones and iPhones is generally smooth. Slots and live dealer streams are heavy on data, but a stable 4G or Wi-Fi connection handles it. The cashier works the same; you might need to switch between a wallet app and the casino browser to copy addresses. Using a hardware wallet on mobile is clunky, so most players use a software wallet like Trust Wallet or Exodus.

Android users have more flexibility for sideloading APKs if a casino distributes one, but that’s a security risk. Stick to browser play unless you’re confident about the source. The same rule applies to any ‘casino app’ that asks for suspicious permissions.

Data usage is worth a mention. Live dealer streams consume around 500 MB per hour on high quality. If you’re on a limited mobile plan, switch to lower resolution in the stream settings. Slots use far less data, but the animations still add up. None of this is unique to USDC, but it’s easy to forget when the game is running smoothly.

New USDC Casinos and Trends for 2026

The USDC casino market keeps refreshing its roster. New sites launch with slick interfaces and aggressive bonuses, then either build a reputation or burn out within a year. In 2026, the trend is toward no-KYC platforms for small withdrawals, multi-chain USDC support, and lootbox-style loyalty rewards. None of that changes the core arithmetic of house edge, but it does make the onboarding less annoying.

One development worth noting is the arrival of USDC on layer-2 networks like Arbitrum and Base. Some casinos now accept deposits on these chains, which cuts fees to a fraction of a cent. That makes micro-deposits viable, and it explains the recent push toward £5 minimum deposit thresholds at a few operators. Whether the novelty lasts depends on the user experience, not the technology.

If you’re hunting for a new USDC casino, apply the same scepticism you’d use for a used car. Check the licence, search for unresolved complaints on forums, and start with a small deposit. A shiny padlock icon is not a guarantee; it’s just TLS encryption, which every competent scam site also has.

Licensing trends are also shifting. Some new casinos are opting for Anjouan or Tobique licences instead of Curaçao, partly due to perceived laxity in Curaçao’s oversight. That doesn’t automatically make them safer, but it shows the industry is responding to player complaints about rogue operators. Always verify the licence at the regulator’s own website, not the casino’s badge.

Safety, Scams, and How to Vet a USDC Casino

The most common USDC casino scam is not a fake site; it’s a real site with terrible withdrawal practices. You deposit, you win, and then the ‘manual review’ begins. Days pass. Support asks for documents you already sent. Eventually they find a term you violated, like playing a bonus on a restricted game, and confiscate your balance. It’s legalistic theft.

To reduce the chance of that, verify the casino’s licence at the regulator’s website, not just by the badge image. Curaçao licences are easy to check online. Look for a long operating history, active social channels, and a pattern of resolved complaints. Search the casino name plus ‘withdrawal problem’ and read the first three pages. If the results look like a warzone, move on.

KYC is becoming unavoidable at reputable USDC casinos. Small withdrawals might slip through without verification, but anything over a few thousand pounds will trigger a request for ID, proof of address, and sometimes source of funds. Have those documents ready. The casinos that advertise ‘no KYC ever’ are usually either tiny or lying.

Phishing is another risk. Fake support accounts on Telegram or Discord impersonate casino staff and ask for your password or private key. Legitimate support will never ask for your private key or seed phrase. If you receive a message claiming your account is locked and you need to ‘verify’ your wallet, it’s a scam. Block and report.

Are USDC casinos safe for UK players?

USDC casinos are safe if you choose a licensed operator with a long track record, transparent bonus terms, and responsive support. They are not covered by UKGC protections or GamStop, so you rely on the casino’s licence and reputation. Check the licence, read the terms, and start with small deposits before trusting larger amounts.

Customer Support and Withdrawal Delays

Withdrawal delays are the number one complaint at USDC casinos. The casino usually blames ‘manual review’ or ‘network congestion’. Sometimes that’s true. More often, the delay is a soft retention tactic: the longer your money sits in the account, the more likely you are to cancel the withdrawal and keep playing. Casinos know this, and they design the process accordingly.

A good support team can make the difference. BitStarz and BC.Game have responsive live chat agents who actually resolve issues. Others route you through email with a 48-hour response time. Before you deposit, open the live chat and ask a simple question. If the answer takes ten minutes and reads like a bot, that’s a sign of things to come.

The best defence is to complete KYC immediately after registration, even before your first deposit. That removes the usual excuse for delayed withdrawals. Upload your ID, proof of address, and a selfie if required. Once verified, most casinos process withdrawals within the advertised timeframe. If they still stall, file a complaint with their ADR provider and post on a public forum; public pressure often speeds things up.

USDC Casino Tournaments and VIP Programs

Slot tournaments are a staple at USDC casinos. They usually run on a weekly basis, and the prize pool is paid in USDC or the casino’s native token. To participate, you opt in and then play specific games to accumulate points. The top players on the leaderboard win real money. It’s a legitimate way to extract extra value from your play, but the competition is often dominated by high rollers.

VIP programmes are more subtle. They reward consistent play with cashback, faster withdrawals, and account managers. The value depends on your volume. A casual player might get 5% weekly cashback, while a high roller gets 15% plus a personal host. Read the terms before you chase a tier; the jump from one level to the next often requires a huge increase in wagering.

The cynical view: a ‘VIP’ label costs the casino almost nothing. It’s a database entry and a slightly customised email. The real benefits only materialise when your monthly wagering reaches five figures. If that’s not you, don’t expect a red carpet. You’ll get the digital equivalent of a free lollipop at the dentist.

Responsible Gambling and Self-Exclusion for USDC Players

Because USDC casinos operate outside GamStop, the usual UK self-exclusion tool doesn’t work. That’s a real gap. Some offshore casinos have their own self-exclusion options, but they are voluntary and only apply to that brand. If you need a hard block across multiple sites, you’ll have to use wallet-level controls or third-party blocking software like Gamban, which works on your devices regardless of jurisdiction.

Set deposit limits before you start playing, not after a losing streak. USDC makes it easy to keep topping up from a wallet, so a daily or weekly cap is a practical safeguard. If the casino doesn’t offer a self-imposed limit in your account settings, that’s a red flag. Walk away.

Problem gambling is not a moral failure; it’s a behavioural pattern that can be interrupted. Organisations like GamCare and BeGambleAware offer free support to UK residents, even if the gambling site was offshore. Use them. A casino that accepts USDC still runs on the same mathematics as any other casino, and the house edge does not care about your payment method.

Time limits are equally important. The ‘one more spin’ loop is designed to keep you seated. Set a timer on your phone, and when it goes off, close the browser. USDC’s stability can lull you into thinking the losses are smaller because the balance doesn’t swing wildly. It’s still real money. Treat it as such.