Início Academy Comparar USDT vs USDC

Tether vs USD Coin: Qual é Melhor?

Atualizado em setembro de 2026 Comparação de Stablecoins

Tether vs USD Coin em Visão Geral

Recurso

USDT

USDC

Emissor

Tether Limited

Círculo

Reserva de Garantia

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

Short-dated US Treasuries, repos and cash at regulated banks

Transparência

Quarterly attestations (BDO)

Atestados mensais por uma firma de contabilidade independente

Cadeias Suportadas

Ethereum, Tron, Solana e muitas outras (lista em tether.to)

Ethereum, Solana, Base, Arbitrum e muitas outras (lista nativa em circle.com)

Classificação de Capitalização de Mercado

Largest stablecoin (live ranking on CoinGecko)

Segunda maior stablecoin (classificação em tempo real no CoinGecko)

Posição Regulatória

Emissor sediado fora dos EUA

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

Volume de Negociação

O mais alto entre todos os criptoativos

Alta, especialmente em plataformas dos EUA e em DeFi

Integração DeFi

Amplamente integrado

Widely integrated; preferred by many US protocols

Mecanismo de Paridade

Resgate 1:1 em USD, com reservas

O que é 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.

Código: USDT Desde 2014

O que é 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.

Código: USDC Desde 2018

Principais Diferenças

O USDT é emitido pela Tether Limited, sediada fora dos Estados Unidos. O USDC é emitido pela Circle, uma empresa americana licenciada como transmissora de dinheiro e detentora de uma licença MiCA da UE. Isso confere ao USDC uma posição regulatória mais clara.

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.

Qual Você Deve Escolher?

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.

Perguntas Frequentes

O USDC é mais seguro que o 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.

O USDT e o USDC valem sempre exatamente $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.

Qual stablecoin tem maior volume de negociação?

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.

Posso obter rendimento com USDT e 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.

Quais blockchains suportam USDT e USDC?

Ambos existem em muitas blockchains. O USDT é emitido na Ethereum, Tron, Solana, Avalanche, Polygon e outras, sendo a Tron uma rede principal especificamente para o USDT. O USDC é emitido nativamente na Ethereum, Solana, Avalanche, Base, Arbitrum, Optimism, Polygon e mais. Consulte os sites dos emissores para obter as listas atuais.

Todas as Comparações Academia Todos os Artigos

Comece a Ganhar com sua Criptomoeda

Começar a ganhar

Fontes e leitura adicional

Os números e as afirmações nesta página baseiam-se nos documentos abaixo. Os números sensíveis ao tempo (taxas, rendimentos, comissões, dados de mercado) mudam: verifique o valor atual na fonte antes de agir com base nele.

Tether, official website and documentationtether.to
Primary reference for the Tether design, features and figures quoted in the table.
USD Coin, site oficial e documentaçãocircle.com
Primary reference for the USD Coin design, features and figures quoted in the table.
CoinGeckocoingecko.com
Preços em tempo real, variação de 24 horas e capitalização de mercado para USDT e USDC exibidos no topo desta página.

Última revisão: setembro de 2026. Os links externos abrem em uma nova aba; a Coinstancy não é responsável pelo seu conteúdo.