Stellar represents many assets with an asset code and issuer account. Two assets can use the same display code yet be different if their issuer accounts differ, so the complete asset identity matters.
Trustlines choose which issued asset to hold
A Stellar account generally adds a trustline before holding an issued asset. The trustline refers to a specific code-and-issuer pair, helping the account distinguish legitimate issuance from lookalike assets.
Code plus issuer defines the asset
Checking only a symbol such as USDC can lead to a lookalike token issued by another account.
Network transfer does not guarantee redemption
The issuer’s terms determine whether and how a token can be redeemed for offchain money. Wallet support, exchange liquidity, compliance requirements, and regional availability can differ.
Anchors connect network assets to offchain money
An anchor may handle deposits and withdrawals, with its own fees, verification process, limits, and supported countries.
Sources
Educational information, not investment advice.