RWTS Compare
USDT vs USDC
Side-by-side Trust Score comparison based on the RWTS Rating methodology. Six dimensions of structural trust, scored independently.
OKX Simple Earn (USDT)
USDT
65T3
Trust Score
65
APY
4.00%
TVL
$2.55B
Higher Score
Coinbase USDC Rewards
USDC
88T2
Trust Score
88
APY
4.10%
TVL
$5.00B
Dimension Comparison
| Dimension | USDT | USDC | Max | Edge |
|---|---|---|---|---|
| Asset Backing | 13 | 18+5 | 25 | USDC |
| Proof of Reserves | 14 | 18+4 | 20 | USDC |
| Redeemability | 11 | 14+3 | 15 | USDC |
| Audit & Security | 11 | 14+3 | 15 | USDC |
| Regulatory Standing | 8 | 14+6 | 15 | USDC |
| Track Record | 8 | 10+2 | 10 | USDC |
| Total | 65 | 88 | 100 | USDC+23 |
Key Facts
| Attribute | USDT | USDC |
|---|---|---|
| Tier | T3: Secured DeFi | T2: Treasury & Fiat-Backed |
| Chain | Multi-chain | Multi-chain |
| Risk Level | Medium | Low |
| Backing | USDT deposits in OKX lending and structured products | USDC (Circle treasury reserve yield) |
| Protocol | OKX | Coinbase |
| Lock-up | Flexible or fixed-term | None (fully flexible) |
| Audited | Yes | Yes |
USDT Details
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USDC Details
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RWTS Methodology
How scores are calculated
This comparison is based on the RWTS Trust Score framework and is not financial advice. It does not constitute a recommendation to buy, sell, or hold either asset. Always conduct your own due diligence.