USDT vs USDC: Differences and Using Them for Payments

USDT and USDC are both stablecoins designed to track the value of the US dollar. But their issuers, redemption terms and supported networks differ, which matters when you use them for payments.

What is different

• Issuer: USDT is issued by Tether and USDC by Circle.
• Reserve disclosures: the scope and format of what each issuer publishes differ.
• Redemption: eligibility to redeem directly with the issuer may be restricted.
• Networks: liquidity and fees differ by chain.

What to look at for payments

Check that the service you plan to use supports the coin and chain, that exchange liquidity is sufficient, and what conversion costs. Not keeping all funds in a single coin also reduces risk.

Using them with Xerovan

The Xerovan card can be linked to stablecoins supported in the app and used at Visa merchants. Supported assets vary by country and network and can be checked in the app. To choose a network, see USDT Networks Compared.

Note: This article is general information, not financial or legal advice. Xerovan is not a bank; card and payment services are provided by licensed partners. Availability and fees vary by country, and merchants and issuers decide whether to approve a payment. Digital assets involve risks, including price volatility, network disruptions and possible loss of funds.