It is 10% annual, with 100$ in 2 years you make $20

why does the % of usdc pay more than that of usdt? aren't they worth almost the same?? aside from getting married, if the plan is to get rich, one does not want to risk and lose. in 2 years with only 100 dollars invested we make a thousand dollars if it's 2 years but it's worth it, right?