In the world of cryptocurrencies, stability isn’t a luxury — it’s a necessity. That’s why stablecoins like USDT and USDC have become the backbone of the digital economy. However, one of them has clearly taken the lead in terms of popularity, liquidity, and recognition. So, what is USDT, how does it compete with USDC, why do most users prefer to buy USDT, exchange USDT, or sell USDT, and what regulatory changes await the market in the near future? Let’s break it down.
What Is USDT: The Essentials
USDT (Tether) is a stablecoin issued by Tether Limited, pegged 1:1 to the US dollar. Launched in 2014, it became the first stablecoin widely adopted by the crypto market. Today, exchanging USDT to rubles is one of the most popular use cases on platforms that offer an online crypto exchange.
As of 2025, USDT’s market cap exceeds $110 billion, making it the largest stablecoin by value. In contrast, its main competitor, USDC, has a capitalization of around $32–34 billion.
Source: CoinMarketCap
Why Choose USDT: Key Factors Behind Its Popularity
There are many reasons why both retail users and institutional investors prefer to buy USDT for rubles. Let’s highlight the most important ones:
Liquidity. USDT is listed on most exchanges and can be traded via any USDT-to-rubles exchange.
Accessibility. It’s easy to find USDT in any top crypto exchanges, especially in countries like Russia where people often need to convert cryptocurrency to rubles or withdraw crypto to a card.
Infrastructure. USDT is supported across multiple networks — TRC-20, ERC-20, BEP-20, and Solana — making USDT exchange fast and cheap.
As Changpeng Zhao (CZ), former CEO of Binance, once said:
“USDT is like the dollar of crypto. It’s accepted everywhere.”
Source: X (Twitter) @cz_binance
How USDT Beats USDC
While USDC is considered more transparent and regulated, as it’s issued by the U.S.-based Circle, USDT still wins in several important areas:
Global Adoption. While USDC is focused on the U.S. market, USDT dominates in Asia, Europe, and the CIS. If you’re looking for a USDT-to-rubles exchange, chances are you’ll be using Tether, not USDC.
Technical Flexibility. Tether adapts faster to new blockchain networks and standards.
Liberal Policy. USDT is less likely to freeze wallets or block assets. USDC, in contrast, has already frozen funds multiple times at the request of U.S. authorities.
As noted by Cory Klippsten, CEO of Swan Bitcoin:
“USDT is a pragmatic choice, especially in countries with unstable fiat currencies.”
Source: X (Twitter) @coryklippsten
Where and How USDT Is Commonly Used
In countries with limited banking access — like Russia, Turkey, or Argentina — people prefer to buy USDT to store their wealth. Thanks to the best crypto exchanges and the ability to use a crypto exchange platform via Telegram, purchasing Tether has become a matter of just a few taps.
Main Use Cases:
Crypto to card withdrawals. First convert to USDT, then proceed to crypto-to-rubles exchange.
Arbitrage. Thanks to low TRC-20 fees, it’s cost-effective to exchange USDT between platforms.
Money transfers. A practical alternative to SWIFT or Western Union.
Regulation: Where the Stablecoin Market Is Headed
Regulators worldwide are increasing pressure. In 2024, the EU passed the MiCA law requiring all stablecoin issuers to follow strict audit and reserve transparency rules. The U.S. is also drafting similar legislation. However, unlike USDC, USDT is not subject to direct U.S. regulation, which makes it more flexible — but also raises concerns.
Still, Tether regularly releases audit reports. The most recent one, by BDO, confirmed that Tether has over $114 billion in reserves, mostly in highly liquid assets.
Source: Tether Transparency Report
What’s Next for USDT?
Experts believe stablecoins will become the foundation of future digital economies, especially in inflation-prone countries. According to Paul Gruenwald, Chief Economist at S&P Global:
“We see stablecoins starting to act like private currencies in developing nations.”
Source: X (Twitter) @SPGlobal
Tether is also expanding into AI infrastructure, funding Bitcoin mining, and developing financial services for emerging markets. Clearly, USDT’s role goes far beyond being “just another dollar substitute.”
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Conclusion
USDT is more than a dollar-pegged token — it’s a global financial tool that works where banks don’t. Thanks to its high liquidity, broad support, low fees, and independence from strict U.S. regulation, actions like USDT-to-rubles exchange, buying USDT, exchanging USDT, or selling USDT have become an everyday part of the crypto economy.
If you’re looking for the best crypto exchanges to convert crypto to rubles or withdraw funds to a card, then a crypto exchange platform that supports Tether is your best bet. While the market keeps evolving, one thing stays the same: USDT is still the most trusted stablecoin — and the most widely used.
