$USDC

As the second-largest stablecoin with $33B in circulation, USDC offers traders a safe haven during crypto volatility. Backed 1:1 by cash/short-term Treasuries and audited monthly, its transparency beats many rivals. Unlike algorithmic stablecoins, USDC's full reserves make it a trusted pair for major exchanges (BTC/USDC, ETH/USDC). Circle's push for regulatory clarity and Fed membership strengthens its position against USDT. Pro tip: Use USDC for low-fee transfers between CEXs/DEXs—it's native on 15+ chains. With instant settlements via Circle Mint and growing DeFi integration, USDC remains the institutional favorite for hedging and liquidity.