USDC vs USDT

USDC pays more right now (up to 10.9% vs 5.89%), while USDT brings different trade-offs on risk and liquidity. Yields below are live across every platform we track.

Updated 27 Sep 2026, 12:00 UTC

USDC

$8.4B TVL stablecoin · risk A

10.9%

best of 100 platforms

All platforms

USDT

$2.4B TVL stablecoin · risk A

5.89%

best of 52 platforms · incl. 1.57% rewards

All platforms

Side by side

Best live APY

10.9%best

5.89%

Total value locked

Deeper liquidity is a safety and durability signal

$8.4Bbest

$2.4B

Live platforms

How many places pay yield on it right now

100best

Live opportunities

324best

Which should you earn on?

Earn on USDC

Higher live yield, up to 10.9%.
Deeper liquidity ($8.4B TVL vs $2.4B): a safer, more durable market.
More places to earn (100 platforms vs 52).

Earn on USDT

Comparable on the headline signals; let live yield and risk decide.

Or skip the guesswork: pick your asset and risk tier and BitcoinYield ranks the highest live yield that actually fits, across both of these and everything else.

More comparisons

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