Comment by zamadatix

In Ethernet, "10 Gbps" refers to the actual Ethernet frame throughput. The raw physical coding rate is usually somewhere around 10.3125 Gbps to account for this.

In USB 3.2 Gen 2x1, the actual USB packet throughput is 9.697 Gbps and the "10 Gbps" refers to the raw encoding rate.

This difference means you are guaranteed to lose at least a few hundred Mbps off maximum performance. It's not really a practical concern, but it's not an error to say 10 Gb/s USB ports lack the bandwidth needed to support the maximum performance of a 10 Gbps USB Ethernet adapter.