Stablecoin Selector
Compare stablecoins by backing, chain support, regulation, and use case. Find the right stablecoin for your needs.
Filter by your needs
USD Coin
by Circle
Backing
Cash and short-term US treasuries (audited monthly)
Regulatory Status
Most regulated, US-compliant
Pros
- Monthly attestation reports
- Widest chain support
- Most regulated
- Coinbase partnership
Considerations
- Can freeze addresses
- US regulatory dependence
- Centralized
Best for: Regulated use, business payments, and DeFi on any chain
Tether
by Tether Limited
Backing
Cash, treasuries, and commercial paper (quarterly reports)
Regulatory Status
Less transparent, widely used globally
Pros
- Largest stablecoin by market cap
- Highest liquidity
- Available everywhere
- Best for trading pairs
Considerations
- Less transparent reserves
- Offshore company
- Can freeze addresses
Best for: Trading, liquidity, and global transfers
Dai
by MakerDAO (decentralized)
Backing
Crypto-collateralized + real-world assets (on-chain verifiable)
Regulatory Status
Decentralized governance, no central issuer
Pros
- Decentralized
- Can't freeze your tokens
- On-chain transparency
- Battle-tested
Considerations
- More complex mechanism
- Can depeg in extreme conditions
- Lower liquidity than USDC/USDT
Best for: DeFi users who want censorship resistance
PayPal USD
by PayPal / Paxos
Backing
US dollar deposits and short-term treasuries (monthly attestation)
Regulatory Status
NY-regulated, PayPal-backed
Pros
- PayPal ecosystem integration
- NY-regulated
- Easy on-ramp from PayPal
Considerations
- Limited chain support
- Smaller market cap
- Newer, less battle-tested
Best for: PayPal users wanting crypto exposure
Quick Comparison
| Stablecoin | Issuer | Chains | Backing | Regulation |
|---|---|---|---|---|
| USDC | Circle | 7 | Cash and short-term US treasuries | Most regulated |
| USDT | Tether Limited | 6 | Cash, treasuries, and commercial paper | Less transparent |
| DAI | MakerDAO (decentralized) | 5 | Crypto-collateralized + real-world assets | Decentralized governance |
| PYUSD | PayPal / Paxos | 2 | US dollar deposits and short-term treasuries | NY-regulated |
This content is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional for advice specific to your situation.