

A complete list of mainstream stablecoins in the currency circle. In addition to USDT, these stablecoins are more suitable for long-term holding.
Jul 08, 2025 pm 07:21 PMIn the cryptocurrency market, stablecoins are an important bridge connecting fiat currencies with digital assets. Although USDT (Tether) accounts for the largest market share, the transparency of its reserves has always attracted much attention. Therefore, it is particularly important for users seeking asset preservation and long-term holdings to understand and configure other more transparent and compliant stablecoins. This article will introduce you in detail three mainstream stablecoins besides USDT: USDC, BUSD and DAI, and analyze their respective characteristics and advantages to help you understand which is more suitable for your long-term holding strategy.
Recommended official website registration address of mainstream cryptocurrency exchange in 2025:
Ouyi OKX:
Binance Binance :
Gateio Sesame Opening :
Huobi htx: [
USDC (USD Coin)
USDC is a stablecoin issued by the CENTRE alliance jointly established by Circle and Coinbase Exchange, anchored 1:1 with the US dollar. Its biggest advantage lies in its extremely high transparency and compliance . USDC's reserves are composed of cash and short-term U.S. Treasury bonds, and are regularly publicly audited by well-known institutions such as Deloitte, one of the world's four largest accounting firms. This strict regulatory and audit mechanism provides users with strong confidence, making it the preferred option for investors seeking safety and compliance.
BUSD (Binance USD)
BUSD is a US dollar stablecoin issued by Binance in partnership with Paxos Trust. Its core highlight is its approval and regulation by the New York State Department of Financial Services (NYDFS) . This means that the issuance and operation of BUSD must comply with strict financial regulations. Paxos will release a monthly reserve certificate report issued by a third-party accounting firm to ensure that each BUSD has an equivalent USD cash or cash equivalent as support. BUSD is a reliable option for users who trust strong regulation and endorsement of large exchanges.
DAI
DAI is a unique decentralized stablecoin issued by the MakerDAO protocol through smart contracts. Unlike USDC and BUSD, DAI does not hold USD reserves by centralized institutions, but maintains its anchorage to the USD by over-collateralizing multiple crypto assets (such as ETH, etc.). Its biggest feature is its decentralization and censorship resistance . All collateral assets and minting processes are open and transparent on the blockchain and can be verified at any time by anyone. DAI avoids the possible single point of failure risk caused by centralized institutions and is more in line with the decentralized spirit of the crypto world.
How to make a choice?
Based on the discussions and user feedback on the Internet, USDC and BUSD have been widely praised for their compliance and transparency. They are considered the strongest competitors of USDT and are very suitable for users with low risk appetite and value financial security. Between the two, USDC has a wider application scenario, while BUSD has more advantages in the Binance ecosystem. DAI attracts more users who pursue decentralization and trust code rather than institutions. It is recommended that when allocating stablecoin assets, funds can be distributed among these stablecoins according to individuals' different preferences for regulation, transparency and decentralization to diversify the potential risks of a single asset.
The above is the detailed content of A complete list of mainstream stablecoins in the currency circle. In addition to USDT, these stablecoins are more suitable for long-term holding.. For more information, please follow other related articles on the PHP Chinese website!

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