USDT or USDC or any other alternative?

[internetional]

Yesterday, I unexpectedly found out that back in December 2025 - right when this topic was being actively discussed here - a court in the Seychelles was hearing a case about damages caused by a Seychelles company to a Swiss client. The court assessed the damages at two million dollars and ordered the payout to be made not in Seychelles rupees, and not in Swiss francs, but in USDT! https://cointelegraph.com/news/kucoin-yet-pay-seychelles-court-order-2m-token-case

It turns out USDT is slowly gaining the traits of legal tender. USDC hasn't been granted such an honor yet.

[jossiel]

What are your plans for holding it? to buy the dip?

Hold any of them and that shows how prepared you are for waiting for the dip comes if you're about to buy bitcoin.

Don't think of it as someone who holds it is invested, they're not. But they're financially aware of what they like and awaits for the correction of what they want to buy like Bitcoin.

[nelson4lov]

Imo, the most regulatory compliant is Circle's USDC. They have been very open to regulations and have even opened their books to audit and are a publicly tradable company since their CRCL stock is listed and tradeable on the Nasdaq. It's also safe to say that USDC is the most integrated stablecoin after USDT as you'll find it on CEXs, DeFi protocols and basically everywhere else. So it's just like USDT only that it's much more complaint. When the clarity act is approved and set in motion, USDC will be one pf the biggest beneficiaries.

[TastyChillySauce00]

Imo, the most regulatory compliant is Circle's USDC. They have been very open to regulations and have even opened their books to audit and are a publicly tradable company since their CRCL stock is listed and tradeable on the Nasdaq. It's also safe to say that USDC is the most integrated stablecoin after USDT as you'll find it on CEXs, DeFi protocols and basically everywhere else. So it's just like USDT only that it's much more complaint. When the clarity act is approved and set in motion, USDC will be one pf the biggest beneficiaries.

I've seen more and more USDC adoption lately on DEX. Every projects that needs pre-deposit and allow staking always use USDC as the primary stablecoin to accept. USDT is showing decline in projects like these.

This imply that even projects that have done their due diligence consider the USDC to be a safer option than USDT. However since OP want alternative other than USDT or USDC, it should always be DAI or USDS because it is basically a wrapped USDC without freezing function.
There are many other stablecoin that are pure t-bill backed with monthly audit and routine audit report publishing but I won't dare to recommend because liquidity isn't that high.

[henmark]

What are your plans for holding it? to buy the dip?

Hold any of them and that shows how prepared you are for waiting for the dip comes if you're about to buy bitcoin.

Don't think of it as someone who holds it is invested, they're not. But they're financially aware of what they like and awaits for the correction of what they want to buy like Bitcoin.

When he said 'whether for investment' I think yeah that he means he is preparing it to buy volatile cryptos. That is only a part of our investment and not that we will make stable coin as our main investment. That was silly though. We don't earn on them but we can in fact lose more value over time as they are not really different to the money that we know outside which are subject to the inflation. I know there are still some stable coins which mechanism is a bit different and then there are also newly introduced ones that are now backed by other stuff just like a gold-based stable coin. But I am not referring on them for now.

But another thing that he said is 'as our own backup'. For this one, I think he is referring about savings and if we just want to replicate our outside experience with saving money, then other factors such as the inflation should not be a big concern.