Inicio Academia Comparar USDT vs USDC

Tether vs USD Coin: ¿Cuál es mejor?

Updated September 2026 Stablecoins Comparison
US
Tether (USDT)
-- --
US
USD Coin (USDC)
-- --

Tether vs USD Coin de un vistazo

Característica
USDT
USDC
Emisor
Tether Limited
Círculo
Respaldo de Reserva
Mostly US Treasuries and cash equivalents, plus other assets (see quarterly reports)
Short-dated US Treasuries, repos and cash at regulated banks
Transparencia
Quarterly attestations (BDO)
Monthly attestations by an independent accounting firm
Cadenas compatibles
Ethereum, Tron, Solana and many others (list on tether.to)
Ethereum, Solana, Base, Arbitrum and many others (native list on circle.com)
Rango de capitalización de mercado
Largest stablecoin (live ranking on CoinGecko)
Second-largest stablecoin (live ranking on CoinGecko)
Postura regulatoria
Issuer based outside the US
US-based issuer, licensed as a money transmitter; MiCA licence in the EU
Volumen de operaciones
El más alto de cualquier criptoactivo
High, especially on US venues and in DeFi
Integración DeFi
Amplia integración
Widely integrated; preferred by many US protocols
Mecanismo de anclaje
1:1 USD redemption, reserve-backed
1:1 USD redemption, reserve-backed

¿Qué es Tether?

Tether (USDT) is the largest stablecoin by market capitalization (live ranking on CoinGecko). It was launched in 2014 by Tether Limited, a company affiliated with the Bitfinex exchange. USDT is designed to be redeemable 1:1 for US dollars and is the most traded cryptocurrency by volume. It is issued on most major blockchains and serves as the main trading pair on many exchanges.

Símbolo: USDT Desde 2014

¿Qué es 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.

Símbolo: USDC Desde 2018

Diferencias clave

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.

USDC is the preferred stablecoin for US-based institutions and compliance-focused DeFi protocols because of Circle's regulatory status.

USDT dominates trading on offshore exchanges and on the Tron network. USDC has stronger adoption on Ethereum, Base and US-regulated platforms.

¿Cuál deberías elegir?

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.

Preguntas frecuentes

¿Es USDC más seguro que USDT?
USDC is generally considered more transparent because of its monthly reserve attestations and Circle's US regulatory status. USDT has traded close to $1 for over a decade, with brief deviations, and has the largest market cap. Both carry issuer risk: their value depends on the reserves and solvency of the issuing company.
¿Valen siempre USDT y USDC exactamente $1?
Both are designed to be redeemable 1:1 for US dollars, but their market price can deviate briefly during stress. For example, USDC dipped to about $0.87 in March 2023 when Silicon Valley Bank, which held part of its reserves, collapsed; it recovered within days. USDT has also traded below $1 for short periods.
¿Qué stablecoin tiene mayor volumen de operaciones?
USDT consistently has the highest trading volume of any cryptocurrency, not just among stablecoins. It is the dominant trading pair on most global exchanges. USDC has significant volume but trails USDT by a wide margin; see CoinGecko for live figures.
¿Puedo obtener rendimiento con USDT y 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.
¿Qué cadenas de bloques soportan USDT y USDC?
Both exist on many blockchains. USDT is issued on Ethereum, Tron, Solana, Avalanche, Polygon and others, with Tron a major network for USDT specifically. USDC is issued natively on Ethereum, Solana, Avalanche, Base, Arbitrum, Optimism, Polygon and more. Check the issuers' websites for the current lists.
Todas las comparaciones Academia Todos los artículos

Comienza a ganar con tu cripto

Comienza a ganar

Fuentes y lecturas adicionales

Las cifras y afirmaciones de esta página se basan en los documentos que aparecen a continuación. Las cifras sensibles al tiempo (tasas, rendimientos, comisiones, datos de mercado) cambian: verifica el valor en vivo en la fuente antes de actuar en consecuencia.

  1. Tether, official website and documentationtether.to

    Primary reference for the Tether design, features and figures quoted in the table.

  2. USD Coin, official website and documentationcircle.com

    Primary reference for the USD Coin design, features and figures quoted in the table.

  3. CoinGeckocoingecko.com

    Live prices, 24-hour change and market capitalization for USDT and USDC shown at the top of this page.

Última revisión: septiembre de 2026. Los enlaces externos se abren en una nueva pestaña; Coinstancy no es responsable de su contenido.