USDT vs. USDC: Who is the King of Stablecoins in Indonesia?

Updated

September 12, 2025

Gambar USDT vs. USDC: Who is the King of Stablecoins in Indonesia?

Jakarta, Pintu News – A stablecoin is a type of cryptocurrency designed to maintain a stable value over time, usually with reference to a fiat currency such as the US dollar. Tether and USD Coin are two of the most popular stablecoins in the crypto world. They serve the same purpose, but differ in terms of transparency, reserve management, and usage focus.

Stablecoin Function

Stablecoins play an important role in the cryptocurrency ecosystem. In addition to being a “bridge” between crypto assets and fiat currencies, stablecoins are also often used for:

Store value when the crypto market is volatile.
Ease trade as its value stabilizes against the USD.
Cross-border transfers with lower fees than traditional banking systems.
DeFi ecosystems such as staking, lending, borrowing, and digital payments.

With its wide range of functions, stablecoins have become one of the most widely used instruments by both active traders and users who want to utilize crypto for everyday transactions.

Stablecoin Adoption Globally and in Indonesia

Globally, stablecoins have been adopted by various exchanges and DeFi protocols to support liquidity and payments. USDT, for example, is used on almost all major exchanges, while USDC is widely used in DeFi applications, merchant payments, and integration with crypto-based debit cards.

Also read: Top 3 Altcoins with Strong Catalysts in the Second Week of September 2025

In Indonesia, stablecoin adoption is also growing. Many local users utilize stablecoins for exchange rate hedging and cross-border fund transfers. Crypto apps like Pintu provide easy access for Indonesian users to buy, store and use stablecoins like USDT and USDC.

USDT: A Pioneer in the World of Stablecoins

Tether (USDT) was launched in 2014 as the first fiat reserve-backed stablecoin. The funds backing USDT consist of a variety of instruments, including US government securities, cash deposits, repo agreements and other cash-equivalent assets.

USDT is widely used for trading, especially as a major pair in the crypto market, as well as for cross-border transfers due to its high liquidity. However, USDT is often criticized for the transparency of its reserves. While Tether Holdings has improved reporting, some observers still call for a more thorough audit to give investors more confidence in the reserves backing the token.

USDC: Transparency and Trust

USD Coin (USDC) was introduced in 2018 by Circle and is managed with high transparency standards. Circle publishes reserve reports on a monthly basis, the majority of which consists of short-term US government securities and overnight repo agreements.

USDC is widely used in DeFi, digital payments, and cross-platform transactions that require certainty of value and integration into modern payment systems. Strong transparency makes USDC one of the stablecoins trusted by institutional market participants.

Regulation, Transparency, and Security

Both USDT and USDC are subject to regulatory oversight in their respective jurisdictions. USDT operates under Hong Kong-based Tether Holdings, while USDC is managed by US-based Circle and is closely monitored by American regulators.

USDC is often considered to be more aligned with regulatory and auditing practices, while Tether continues to work on strengthening trust through reserve reports. In terms of security, both hold reserves in low-risk instruments, but the approach to reporting and auditing is a key differentiator in the eyes of investors.

Functions and Uses: USDT vs USDC

USDT is more commonly used for trading needs, short-term value storage, and cross-border transfers due to its wide liquidity and support on almost all exchanges.
USDC is more popular in DeFi, digital payments, and integration with traditional financial applications due to its focus on transparency and partnerships with payment service providers.

Both of these stablecoins have functions that complement the crypto ecosystem, so the best choice depends on the user’s needs.

Conclusion: Choosing Stablecoins According to Your Needs

Both Tether (USDT) and USD Coin (USDC) offer stability of value that helps users deal with crypto market volatility. USDT excels in global liquidity and ease of trading, while USDC stands out in terms of transparency, regulation, and applicability in the world of payments and DeFi.

The choice of stablecoins should take into account your goals, risk tolerance, and the ecosystem you plan to use. Both remain important instruments to support transactions and investments in the cryptocurrency world.

For those of you who choose USDT as a store of value or transaction tool, there is an interesting opportunity to maximize the potential of these assets. Throughout September 2025, Pintu presents the Flexi Earn USDT promo with returns of up to 10%. Through this promo, you can benefit from the USDT you save, while still having the flexibility to withdraw funds at any time.

crypto updates about crypto projects and blockchain technology. You can also learn crypto from scratch through Pintu Academy and stay up-to-date with the latest crypto markets such as bitcoin price today, xrp coin price today, dogecoin and other crypto asset prices through Pintu Market.

Enjoy an easy and secure crypto trading experience by downloading Pintu crypto app via Google Play Store or App Store now. Also, get a web trading experience with various advanced trading tools such as pro charting, various types of order types, and portfolio tracker only at Pintu Pro.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference: