Stablecoins
Quick Answer
Stablecoins are crypto tokens designed to hold a steady value, usually one US dollar, and they are the real backbone of crypto trading, payments and dollar-access, especially across Asia. These guides explain what they are, how USDT, USDC and DAI differ, how the peg is held, the real risks (including the TerraUSD collapse), and how to use them safely.
What Are Stablecoins?
7 minA stablecoin is a cryptocurrency designed to hold a steady value, usually one US dollar, by being backed by reserves or managed by code. They are the quiet backbone of crypto: most trading, payments and savings in crypto actually happen in stablecoins, not Bitcoin. Understanding them, and the word "stable", matters more than most people realize.
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USDT vs USDC vs DAI
8 minUSDT, USDC and DAI are the three stablecoins most people actually use, and they are not equally safe. They differ in who issues them, what backs them, and how transparent they are. Knowing the trade-offs, liquidity versus transparency versus decentralization, helps you choose the right one instead of trusting the marketing.
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How Stablecoins Keep Their Peg
8 minA stablecoin is only useful if one token reliably equals one dollar, but nothing forces a free-floating token to hold that price. The peg is held by deliberate mechanisms: real reserves you can redeem against, over-collateralization, or arbitrage. Understanding how the peg is maintained tells you exactly how fragile or sturdy each stablecoin really is.
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Are Stablecoins Safe?
8 minStablecoins are useful, but "stable" can lull you into thinking they are risk-free. They are not. Between the TerraUSD collapse and USDC's brief 2023 depeg, recent history shows exactly how they can fail. The honest answer: good stablecoins are reliable for everyday use, but they carry real risks worth understanding before you hold serious money in them.
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Stablecoins in Asia
8 minNowhere are stablecoins more woven into daily financial life than Asia. Across the region, USDT in particular has become a de-facto digital dollar, used for savings, remittances, trade and escaping weak local currencies. Understanding why reveals a lot about both the promise of stablecoins and the real financial pressures people across Asia face.
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How to Use Stablecoins Safely
7 minStablecoins are a powerful tool for holding dollars, sending money and trading, if you use them carefully. The practical risks are not abstract: wrong network, fake tokens, custodial failures and scams cost people real money every day. A few sensible habits let you get the benefits of digital dollars while sidestepping the most common, and most expensive, mistakes.
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A stablecoin is only as safe as what backs it.
Stablecoins are a useful digital dollar, but for a censorship-resistant store of value that no one can freeze, learn about Bitcoin self-custody.