Silicon Valley Bank Explain:
Silicon valley bank:
Silicon valley bank 1983 Mai United States of America ky ik State California ma Santa Clara ky makaam pa wajood Mai ayaa, jisy silicon valley bhi kaha jaata hai, jaha ajkal uska main headquarter mojood hai. Iss bank ky total 4 Branches hai different states Mai isky ilawa more than 10 offices hai different states Mai.
SVB bank banaya hi different new emerging startups ko support karny ky liyaa, basically yeh bank investor sy thoory interest rate par paisy deposit karwaty ty aur phir yehi paisa different startup ko high interest pa lend karty ty Jo beech ma Jo margin hota ta woh bank ka profit taa, 2021 ma inho ny claim kiyaa taa ky United States of America ky more than 50% venture-backed startup ko inho ny paisy lend kiyaa.
Agr total assets ky hissab sy daikha Jai toh yeh United States of America ka 18th big bank hai jisky paas total 212$billion assests hai.

Ancident of SVB Explain:

Agr AP iss graph ko ghoory dy daikhy toh yeh SVB bank ka share price graph haa jis ma share ki price Kafi achi movement karty howy above 700$ per share pooch chuke hai, aur iske ahm wajah yeh tee ky iss bank ny jinn startup ko paisy lend kiyaa ty unn ma tech startups bhi tee Jo Kafi achi perform karr Rahe tee jiska directly faida iss bank ko horaha ta, q ky unky profit ki wajah sy iss bank ko zyada interest milta ta aur doosre woh jitna zyada profit karr rahy ta utna zyada paisa bank ma deposit karr rahy ty. Jis ka bank ko faida yeh howa ky unka capital increase hota gaya jiska positive effect unky share pa parr Raha ta. Lakin mamla yaha kharab howa jab 2019, 2020 ma COVID-19 ki wajah sy saary startup effect howy jis ki wajah sy bank ko Jo zyada interest mil Raha ta woh km howa aur doosra Jo yeh startup daradar paisy deposit karr rahy ta woh km hoy jis sy bank ka capital bhi decrease hota gaya.
Isky ilawa agr daikha Jai toh inn ky paas 2017 ma 44$billion assests ty Joky increase hooty hooty 2021 ma 189$billion dollar hogai, par agr daikha Jai toh inho ny 2017 Mai 23$billion lend kiyaa ta Jo 2021 ma increase hoky just 66$billion hogaya joky itna zyada nahi taa, q ky inky interest return sy bank ka loss recover nahi ho pa Raha ta.
So apni loss recover karny ky liyaa bank ny apny total assets ky (50 to70)% amount ky bond government sy buy karliyaa jis ki worth 128$billion tee, jis par unhy achy Kuch khaas percentage of interest milta taa jis sy bank ka fil-waqt kaam chal gaya aur inn bonds ki maturity 5yr 0r 5yr+ hai .

But doosre problem waha ayaai jab government of America ny due to inflation new bond ky interest percentage increase kardiyaa, jabky bank ky paas old bond ty jiske interest rate km tee so SVB ny (50 to 70)% of total assets ky old bond ko sell kardiyaa (in order to buy new bond for higher interest return)

But Peter Thiel Jo ky ik Entrepreneur hai unho ny different startup ko warn kardiyaa ky SVB ky Sath Kuch teek nahi horaha toh iss news ko sunty hi Kafi aur logo ny bhi warning start kardee aur apny Funds withdraw karna start kardiyaa, jab logo ny yeh daikha toh ik FOMo create ho aur sabb logo ny fund withdraw ki application start karde but bank ky paas itny reserve ty nahi ky woh sabb ko withdraw dy saky.

So unho ny logo ki need ko poora karny ky liyaa apny 21$billion ky share sell kardiyaa aur 2.25$billion ky share aur bhi sell karyngy logo ki need ko poora karny ka liyaa.
So inn share selling ka nuksaan yeh howa ky SVB ka Jo share 700$ ky above to woh decrease hoty hoty ik hi din ma 60% crash hogaya aur u SVB officially closed hogaya.

Relation of USDC with SVB:
Jaisa ky market ma jitny bhi stable coins hai, like USDT, GUSD, BUSD etc unki jitni total supply hote hai utny amount of real dollar USS stable coin ky backing ky liyaa different bank ma rakhy hoty hai.
Toh isse Tarah USDC ky backing ma Jo real dollar rakhy gayai ty unn Mai just 3.3$billion Silicon Valley Bank Mai rakhy. As a backup to maintain the USDC stable. Jabky baki backup dollar aur saary banks ma rakhy howy ha

Reason of USDC Depeg:

Toh USDC ka depeg Kuch istarh sy howa jaisa ma ny opper bataya ky inky backing ky liyaa 3.3$billion SVB ma rakhy haai, toh jaisy hi SVB Mai yeh ancident howa toh logo ma ik FOMo create howa ky USDC jald depeg hojai ga, q ky unky backup dollar SVB Mai hai, toh logo ny daradar apny USDC sell karna start kardiyaa jis sy yeh howa ky USDC depeg howa aur apni 1$ ki value loss karty howy around 0.87$ par agai. Lakin Baad ma usky teams ny tweet karky logo ko batayai ky unky total backup of 40$billion ky just 3.3$billion SVB Mai hai baki safe hai. Toh phir ahista ahista USDC recover hoony Laga.

Conclusion:
Last ma hummy iss sy yeh seekhny ko milta hai ky hum Jin bank par blindly trust karky apny million of dollar Rakh rahy hai woh bilkul safe nahi , q ky kabhi bhi aisy ancident bank ko closed karsakte hai aur results ma just government apky million of dollar ky badly apko few thousands dollar refund kardy ga, jaisa ky SVB crashed ky Baad jisky jitny bhi billions of dollar ty unko just 250,000$ refund kiyaa jaiya ga. Soo iss sy bahtr nahi ky AP apny funds bank ki bajai crypto like Bitcoin ma invest kardy Jo Kuch waqt ky liyaa apko loss ma Rakh sakta hai lakin jald hi apko profit ky Sath return bhi dy daga. So the choice is yours...........
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