A crypto token pegged to $1. Used to hold value without volatility, earn DeFi yield, or move between exchanges quickly.
Tether (USDT) has the most trading pairs and deepest liquidity. But its reserves have been questioned — not 100% audited.
Circle publishes monthly audits showing USDC is 100% backed by cash and US Treasuries. More trustworthy but less liquid.
For trading: use USDT (most pairs). For holding savings: use USDC (safer reserves). For DeFi yield: check which pays more.
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