Kāinga Akademia Whakataurua USDT ki USDC

Tether ki USD Coin: He mea pai ake?

Updated September 2026 Stablecoins Comparison

Tether ki USD Coin i te Tirohanga

Āhuatanga

USDT

USDC

Kaiwhakaputa

Tether Limited

Porowhita

Tautokonga Tahua

Mostly US Treasuries and cash equivalents, plus other assets (see quarterly reports)

Ngā Putea US poto te wā, ngā repo me te moni i ngā pēke kua whakamanahia

Mārama

Ngā whakaaturanga ā-wāhanga (BDO)

Monthly attestations by an independent accounting firm

Ngā Aho Ka tautokohia

Ethereum, Tron, Solana me ētahi atu maha (rārangi i tether.to)

Ethereum, Solana, Base, Arbitrum me ētahi atu maha (rārangi taketake i circle.com)

Tūranga Kapua Mākete

Te moni pūmau nui rawa (rārangi ora i CoinGecko)

Second-largest stablecoin (live ranking on CoinGecko)

Tūnga Ture

Kei waho o te US te kaiwhakaputa

US-based issuer, licensed as a money transmitter; MiCA licence in the EU

Rahi Hokohoko

Teitei rawa o ngā taonga crypto

High, especially on US venues and in DeFi

Whakapiri DeFi

Kua whakakotahi whānui

Widely integrated; preferred by many US protocols

Mekanika Pēke

1:1 USD whakaora, tautokona e te pūrere

He aha a Tether?

Ko Tether (USDT) te moni pūmau nui rawa atu mā te uara o te mākete (tūnga mataora i runga i CoinGecko). I whakarewahia i te tau 2014 e Tether Limited, he kamupene e hono ana ki te whakawhitinga Bitfinex. I hangaia a USDT kia taea te whakawhiti 1:1 mō ngā tāra o Amerika, ā, ko ia te moni matihiko e hokona nuitia ana mā te rahinga. Ka whakaputaina ia i runga i te nuinga o ngā poraka nui, ā, ka noho hei takirua hokohoko matua i runga i te maha o ngā whakawhitinga.

Tāki: USDT Mai i 2014

He aha te USD Coin?

USD Coin (USDC) is a stablecoin issued by Circle. It launched in 2018 through the Centre Consortium (Circle and Coinbase), which was wound down in 2023; Circle now issues it alone. USDC is designed to be redeemable 1:1 for US dollars and publishes monthly reserve attestations by an independent accounting firm. It is widely used in DeFi, institutional transfers and payments.

Tāki: USDC Mai i 2018

Ngā Rerekētanga Matua

USDT is issued by Tether Limited, based outside the United States. USDC is issued by Circle, a US company licensed as a money transmitter and holding an EU MiCA licence. This gives USDC clearer regulatory standing.

USDC publishes monthly reserve attestations. USDT publishes quarterly attestations by BDO. USDC is generally viewed as the more transparent of the two.

USDT has a much larger market cap and higher daily trading volume, which makes it the most liquid stablecoin and the dominant trading pair worldwide.

Ko USDC te stablecoin e hiahiatia ana e ngā umanga o Amerika me ngā kawa DeFi e aro ana ki te whakatutuki ture nā te tūnga ture o Circle.

Kei te kaha a USDT ki te hokohoko i ngā whakawhitinga o waho me te whatunga Tron. He kaha ake te whakamahi a USDC i Ethereum, Base me ngā pūhara kua whakamanahia e Amerika.

Kei tēhea e tika ana mōu ki te kōwhiri?

USDT and USDC are the two most used dollar stablecoins. USDT offers the most liquidity and the broadest exchange support, which makes it the default choice for trading on global exchanges. USDC offers stronger transparency and regulatory standing, which makes it the usual choice for US-based users, institutions and DeFi protocols that prioritize compliance. Both have held close to $1 for most of their history, with brief deviations. The choice often comes down to your jurisdiction and how you weigh issuer risk.

Ngā Pātai Auau

He haumaru ake a USDC i a USDT?

E whakaarohia whānuitia ana a USDC he mārama ake nā ōna whakaaturanga rahui ā-marama me te tūnga ture o Circle i te US. Kua hokohoko a USDT tata ki te $1 mō te tekau tau neke atu, me ētahi rerekētanga poto, ā, ko ia te mea nui rawa te mākete. Kei rāua tahi te mōrearea o te kaiwhakaputa: ko tō rāua uara e whakawhirinaki ana ki ngā rahui me te kaha o te kamupene whakaputa ki te utu i ōna nama.

He $1 tonu te uara o USDT me USDC i ngā wā katoa?

Kua hangaia e rāua kia taea te whakahoki 1:1 mō ngā tāra US, engari ka taea e tō rāua utu mākete te rerekē mō te wā poto i te wā o te pōuri. Hei tauira, i heke te USDC ki te tata ki te $0.87 i te Maehe 2023 i te hinganga o Silicon Valley Bank, nāna i pupuri tētahi wāhanga o ana rahui; i ora anō i roto i ētahi rā. Kua hokona hoki te USDT ki raro i te $1 mō ētahi wā poto.

Ko tēhea moni pūriroiri te nui ake o te rahi hokohoko?

He nui tonu te rōrahi hokohoko o USDT i ngā moni matihiko katoa, ehara i te mea i waenga noa i ngā moni pūmau. Ko ia te takirua hokohoko matua i te nuinga o ngā whakawhitinga o te ao. He nui te rōrahi o USDC engari he iti noa iho ki te taha o USDT; tirohia a CoinGecko mō ngā tatauranga ora.

Ka taea e au te whiwhi hua i USDT me USDC?

Yes. Both can be lent through DeFi protocols such as Aave or Compound, and many platforms pay a yield on stablecoin deposits. Coinstancy Dollar Savings pays a yield on USDC. Rates vary by platform and with market conditions, and every option carries platform or protocol risk. Check how a platform holds your funds before depositing.

Ko ēhea ngā poraka pūkete e tautoko ana i USDT me USDC?

Kei rāua e rua i runga i ngā poraka maha. Ka whakaputaina te USDT i runga i Ethereum, Tron, Solana, Avalanche, Polygon me ētahi atu, ā, ko Tron tētahi whatunga nui mō te USDT. Ka whakaputaina te USDC i runga i Ethereum, Solana, Avalanche, Base, Arbitrum, Optimism, Polygon me ētahi atu. Tirohia ngā paetukutuku a ngā kaiwhakaputa mō ngā rārangi o nāianei.

Ngā Whakataurunga Katoa Akādemia Ngā Tuhipānui Katoa

Tīmata Whiwhi i tō Crypto

Tīmata te whiwhi

Ngā puna me ngā pānuitanga atu anō

Ka whakawhirinaki ngā tatauranga me ngā kerēme o tēnei whārangi ki ngā tuhinga kei raro nei. Ka neke ngā tatauranga pā ki te wā (reiti, hua, utu, raraunga mākete): tirohia te uara ora i te puna i mua i te mahi.

Tether, paetukutuku whaimana me ngā tuhingatether.to
Primary reference for the Tether design, features and figures quoted in the table.
USD Coin, paetukutuku whaimana me ngā tuhingacircle.com
Punaha matua mō te hoahoa USD Coin, ngā āhuatanga me ngā tatauranga kua whakahuatia i te ripanga.
CoinGeckocoingecko.com
Ngā utu ora, te huringa 24-haora me te whakapaipai mākete mō USDT me USDC e whakaaturia ana i te tihi o tēnei whārangi.

I arotakea whakamutunga: Mahuru 2026. Ka whakatuwheratia ngā hononga o waho ki tētahi tihopa hou; kāore a Coinstancy e whai kawenga mō ō rātou ihirangi.