What is a stablecoin?

A stablecoin is a cryptocurrency designed to maintain a stable value relative to a reference asset, typically the US dollar. Unlike Bitcoin or Ethereum, which can fluctuate significantly, stablecoins aim to stay at $1.00. They achieve this through various mechanisms including fiat reserves (USDT, USDC), crypto collateral (DAI), or algorithmic supply adjustments.

What is the largest stablecoin by market cap?

Tether (USDT) is the largest stablecoin with a market cap exceeding $140 billion as of 2025. USDC (Circle) is the second largest at around $50 billion. Together, USDT and USDC account for over 85% of the total stablecoin market capitalization.

How do I earn interest on stablecoins?

You can earn interest on stablecoins by lending them on DeFi protocols like Aave or Compound, depositing them in CeFi platforms like Nexo or YouHodler, or providing liquidity on decentralized exchanges. APY rates typically range from 3% to 12% depending on the platform and market conditions. Bitcompare tracks the best stablecoin lending rates across 50+ platforms.

What is peg stability and why does it matter?

Peg stability measures how closely a stablecoin maintains its target price (usually $1.00). A stablecoin with high peg stability rarely deviates more than 0.1% from $1.00, while poor stability may see fluctuations of 1-5% or more. Peg stability is crucial for traders and DeFi users who rely on stablecoins to preserve value and execute precise trades.

What are the different types of stablecoins?

There are four main types: (1) Fiat-backed stablecoins like USDC and USDT are backed 1:1 by cash or cash equivalents. (2) Crypto-backed stablecoins like DAI are overcollateralized with cryptocurrencies. (3) Algorithmic stablecoins use smart contracts to control supply. (4) Commodity-backed stablecoins like PAXG are backed by physical assets like gold.

Are stablecoins safe?

Stablecoin safety depends on the issuer, reserve transparency, and regulatory compliance. Major stablecoins like USDC publish regular attestation reports from accounting firms. Risks include depegging events (like UST in 2022), regulatory action, or reserve mismanagement. Always check the transparency grade and audit frequency before holding large amounts.

Which stablecoins are available on multiple blockchains?

Most major stablecoins are multichain. USDT exists on Ethereum, Tron, Solana, Avalanche, and 10+ other networks. USDC is available on Ethereum, Solana, Base, Arbitrum, Polygon, and more. Multichain availability improves liquidity and allows users to choose networks with lower fees.

How often is the Stablecoin Index updated?

The Bitcompare Stablecoin Index updates market cap, volume, and peg price data every 5 minutes. Stability scores and grades are recalculated hourly based on 30-day peg deviation history. Reserve transparency and audit information is updated when issuers publish new reports.

Відсоткові ставки стейблкоїнів — Порівняйте кредитування, стейкінг та запозичення

Найкращі ставки кредитування стейблкоїнів

Pax Dollar (USDP)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
EarnPark	Go to Platform	33% APY	—	—	30 days	Check terms
Nexo	Go to Platform	16% APY	—	—	180 days	Check terms
YouHodler	Go to Platform	50% APY	—	—	—	Check terms
Syrup	Go to Platform	4,88% APY	—	—	—	Check terms

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Tether (usdt)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
EarnPark	Go to Platform	30% APY	—	—	30 days	Check terms
Nexo	Go to Platform	13% APY	9% APY	—	90 days	Check terms
YouHodler	Go to Platform	20% APY	—	—	—	Check terms
Syrup	Go to Platform	4,29% APY	—	—	—	Check terms

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USDC (usdc)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
EarnPark	Go to Platform	5% APY	—	—	—	Check terms
Nexo	Go to Platform	12% APY	8% APY	—	90 days	Check terms
YouHodler	Go to Platform	20% APY	—	—	—	Check terms
Syrup	Go to Platform	4,88% APY	—	—	—	Check terms

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Dai (dai)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
EarnPark	Go to Platform	7% APY	—	—	30 days	Check terms
Nexo	Go to Platform	11,5% APY	7,5% APY	—	90 days	Check terms
YouHodler	Go to Platform	20% APY	—	—	—	Check terms

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TrueUSD (tusd)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
YouHodler	Go to Platform	20% APY	—	—	—	Check terms

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Найкращі нагороди за стейкінг стейблкоїнів

Pax Dollar (USDP)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
Nexo	Go to Platform	16% APY	—	—	180 days	Check terms

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Tether (usdt)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
Nexo	Go to Platform	13% APY	9% APY	—	90 days	Check terms

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USDC (usdc)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
Nexo	Go to Platform	12% APY	8% APY	—	90 days	Check terms

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Dai (dai)

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UA Access
Nexo	Go to Platform	11,5% APY	7,5% APY	—	90 days	Check terms

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Найкращі ставки запозичення стейблкоїнів

TrueUSD (tusd)

Платформа	Дія	Найкраща ставка	LTV	Мін. застава	Доступ UA
Nexo	Отримати кредит	0% APR	—	—	Перевірити умови

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Tether (usdt)

Платформа	Дія	Найкраща ставка	LTV	Мін. застава	Доступ UA
Nexo	Отримати кредит	1,9% APR	—	—	Перевірити умови
YouHodler	Отримати кредит	10% APR	—	—	Перевірити умови

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USDC (usdc)

Платформа	Дія	Найкраща ставка	LTV	Мін. застава	Доступ UA
Nexo	Отримати кредит	1,9% APR	—	—	Перевірити умови
YouHodler	Отримати кредит	3% APR	—	—	Перевірити умови

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Dai (dai)

Платформа	Дія	Найкраща ставка	LTV	Мін. застава	Доступ UA
Nexo	Отримати кредит	1,9% APR	—	—	Перевірити умови

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Pax Dollar (USDP)

Платформа	Дія	Найкраща ставка	LTV	Мін. застава	Доступ UA
Nexo	Отримати кредит	2,9% APR	—	—	Перевірити умови
YouHodler	Отримати кредит	20,07% APR	—	—	Перевірити умови

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Усі стейблкоїни

First Digital USD (fdusd)

TrueUSD (tusd)

Legacy Frax Dollar (frax)

Frequently Asked Questions About Stablecoins

What is a stablecoin?: A stablecoin is a cryptocurrency designed to maintain a stable value relative to a reference asset, typically the US dollar. Unlike Bitcoin or Ethereum, which can fluctuate significantly, stablecoins aim to stay at $1.00. They achieve this through various mechanisms including fiat reserves (USDT, USDC), crypto collateral (DAI), or algorithmic supply adjustments.
What is the largest stablecoin by market cap?: Tether (USDT) is the largest stablecoin with a market cap exceeding $140 billion as of 2025. USDC (Circle) is the second largest at around $50 billion. Together, USDT and USDC account for over 85% of the total stablecoin market capitalization.
How do I earn interest on stablecoins?: You can earn interest on stablecoins by lending them on DeFi protocols like Aave or Compound, depositing them in CeFi platforms like Nexo or YouHodler, or providing liquidity on decentralized exchanges. APY rates typically range from 3% to 12% depending on the platform and market conditions. Bitcompare tracks the best stablecoin lending rates across 50+ platforms.
What is peg stability and why does it matter?: Peg stability measures how closely a stablecoin maintains its target price (usually $1.00). A stablecoin with high peg stability rarely deviates more than 0.1% from $1.00, while poor stability may see fluctuations of 1-5% or more. Peg stability is crucial for traders and DeFi users who rely on stablecoins to preserve value and execute precise trades.
What are the different types of stablecoins?: There are four main types: (1) Fiat-backed stablecoins like USDC and USDT are backed 1:1 by cash or cash equivalents. (2) Crypto-backed stablecoins like DAI are overcollateralized with cryptocurrencies. (3) Algorithmic stablecoins use smart contracts to control supply. (4) Commodity-backed stablecoins like PAXG are backed by physical assets like gold.
Are stablecoins safe?: Stablecoin safety depends on the issuer, reserve transparency, and regulatory compliance. Major stablecoins like USDC publish regular attestation reports from accounting firms. Risks include depegging events (like UST in 2022), regulatory action, or reserve mismanagement. Always check the transparency grade and audit frequency before holding large amounts.
Which stablecoins are available on multiple blockchains?: Most major stablecoins are multichain. USDT exists on Ethereum, Tron, Solana, Avalanche, and 10+ other networks. USDC is available on Ethereum, Solana, Base, Arbitrum, Polygon, and more. Multichain availability improves liquidity and allows users to choose networks with lower fees.
How often is the Stablecoin Index updated?: The Bitcompare Stablecoin Index updates market cap, volume, and peg price data every 5 minutes. Stability scores and grades are recalculated hourly based on 30-day peg deviation history. Reserve transparency and audit information is updated when issuers publish new reports.