Stablecoins (from English “stablecoins”) are a special class of cryptocurrencies whose value is pegged to fiat assets (most often to the US dollar). They help minimize volatility while maintaining all the advantages of blockchain: fast transfers, decentralization, and accessibility. A wide selection of stablecoins is available on Binance. Let's consider the most popular and reliable ones.

1. $USDT (Tether)

  • Peg: 1 USDT ≈ 1 USD

  • Networks: Ethereum (ERC-20), Tron (TRC-20), BNB Smart Chain (BEP-20), Solana, etc.

  • Liquidity: the highest among all stablecoins on Binance and in the world.

Pros

  • Maximum prevalence: supported in the overwhelming majority of trading pairs.

  • Low fees: especially in the TRC-20 network.

  • Fast transfers: almost instant confirmations.

Cons

  • Questions about reserve transparency: disputes about full fiat token backing periodically arise.

2. $USDC (USD Coin)

  • Peg: 1 USDC ≈ 1 USD

  • Issuer: Circle (with the participation of Coinbase)

  • Networks: Ethereum, Solana, BNB Smart Chain, Avalanche, etc.

  • Liquidity: second after USDT on Binance.

Pros

  • Regular audits of reserves: high level of trust from institutional investors.

  • Wide application in DeFi: supported by most major protocols.

  • Regulability: the issuer is accountable to American regulators.

Cons

  • Somewhat lower liquidity compared to USDT.

3. $FDUSD (First Digital USD)

  • Peg: 1 FDUSD ≈ 1 USD

  • Issuer: First Digital Trust (Hong Kong)

  • Networks: Ethereum, BNB Smart Chain

  • Status: actively promoted by Binance instead of the discontinued BUSD.

Pros

  • 0% fee on some trading pairs on Binance.

  • Regular third-party audits and high transparency of reserves.

  • Integration: support in Binance Earn, Launchpool, Liquid Swap services.

Cons

  • New coin: has not yet gained widespread adoption outside the Binance ecosystem.

  • Limited support on other platforms.

4. $TUSD (TrueUSD)

  • Peg: 1 TUSD ≈ 1 USD

  • Issuer: TrustToken (Archblock)

  • Networks: Ethereum, Tron, BNB Smart Chain, Avalanche, etc.

Pros

  • “Live” audit: reserves confirmed in real time.

  • Reliability: the token has existed longer than many competitors.

  • Wide integration in trading pairs on Binance.

Cons

  • Major players prefer USDT/USDC, so TUSD has slightly lower volumes.

5. $DAI (Dai)

  • Peg: 1 DAI ≈ 1 USD (algorithmic model)

  • Issuer: decentralized protocol MakerDAO

  • Networks: Ethereum, Arbitrum, Optimism, Polygon, etc.

Pros

  • Full decentralization: no single issuer or company.

  • Flexibility of use in DeFi (lending, liquidity provision).

  • Reliability: a history without serious collateral incidents.

Cons

  • Imperfect peg: may deviate from $1 under high loads.

  • Complex governance system (governance tokens, collateralization).

How to choose and use a stablecoin on Binance?

  1. Preservation of value
    In the event of sharp market declines, switching to stablecoins allows you to 'cash out' without withdrawing funds to a bank account.

  2. Cryptocurrency trading
    Stablecoins are used as a base currency in many trading pairs, providing high spreads and execution speed.

  3. Passive income
    In the Binance Earn, Liquid Swap, and Launchpool sections, you can place stablecoins at attractive interest rates.

  4. Inter-exchange transfers and payments
    Transfers via stablecoins (especially USDT-TRC20 or FDUSD-BEP20) are cheaper and faster than bank transactions.

Recommendations for selection

  • Maximum liquidity and versatility: USDT.

  • Transparency and regulation: USDC.

  • Integration with Binance services and zero fees: FDUSD.

  • Additional diversification: TUSD.

  • Decentralized solution for DeFi: DAI.

Use multiple stablecoins to optimize fees, yields, and risks. Before large operations, check current network fees and exchange limits.

📌 What is your favorite stablecoin? Share in the comments!

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