Which stablecoin should you use?
They're all supposed to be worth $1. But they're not all the same. Here's the honest breakdown.
| Stablecoin | Safety | Yield | Best For | The Catch | Our Take |
|---|---|---|---|---|---|
 USDC USD Coin | | 0% (4.5% via Coinbase) | Most people | Boring | The default choice |
 USDT Tether | | 0% | Trading, emerging markets | Sketchy history | Works, but why risk it? |
 DAI DAI | | 5% (as sDAI) | DeFi nerds | Complicated | Great if you're already in crypto |
 PYUSD PayPal USD | | 0% | PayPal users | Limited | Fine if you're already there |
 USDe USDe | | 10-15% | Yield chasers | Complex risk | High reward, high "uh oh" potential |
USDC The Boring One
- Yield
- 0% (4.5% via Coinbase)
- Best for
- Most people
- The catch
- Boring
The default choice
USDT The Controversial One
- Yield
- 0%
- Best for
- Trading, emerging markets
- The catch
- Sketchy history
Works, but why risk it?
DAI The Decentralized One
- Yield
- 5% (as sDAI)
- Best for
- DeFi nerds
- The catch
- Complicated
Great if you're already in crypto
PYUSD The Normie One
- Yield
- 0%
- Best for
- PayPal users
- The catch
- Limited
Fine if you're already there
USDe The Yield One
- Yield
- 10-15%
- Best for
- Yield chasers
- The catch
- Complex risk
High reward, high "uh oh" potential
Still not sure?
If you just want the safest, most boring option that works for most people: get USDC. It's backed by real dollars, audited monthly, and accepted everywhere. Read the full breakdown.
New to all this? Start with What is a stablecoin?