Everyone knows USDT (handcuffs) AND USDC (Circle). These are two mastodones on the market that are used everywhere in defines and exchanges. But … they’re not that way Bluechip.orgThe Independent Agency for Stablecoins Analysis is considering the safest in 2025.
This article offers you 21 m ⭕, a community of investors of cryptos causing Club 25%.
This article contains association links that allow you to support the daily work of teams in a local newspaper.
Bluechip remarks Stablecoins with a framework Smidge :: Stability, control, implementation, decentralization, management, external. Specifically they look at the quality/segregation reservesPUSH Processing (access to primary liquidity), Outfit pegAdministration and risk of censorship. Their reference note describes every factor and logic of evaluation.
If you want to learn more, you can look at the complete Bluechip analysis: What is the safest stabnecoin? Check this site!
🥇 SUSD Z RIPPLE: Tradfi Bridge ↔ Defi
Launched in December 2024, Rlusd He quickly climbed the ranking thanks to a radically “banking” approach. Each token is supported by one for one cash and US treasury. Reserves are kept segregated in Bny Mellon, one of the most solid managers in the world.
Ripple also decided to place under supervision New York Department of Financial Services (NYDFS)Which brings rare regulatory legitimacy in the ecosystem. The certificate is published every month and provides transparency greater than most competitors.
Another asset: Rlusd is directly integrated Ripple payments and orbits both Ethereum And then Xrplwhich opens the door in specific cases of using institutional companies and cash.
The only reserve? His primary approach remains reserved for institutions. Individuals must go through secondary markets, which limits its direct circulation. In less than a year, however, Stablecoin has exceeded $ 600 million, which evidence of growing adoption.
🥈 Lusd Luits: Stablecoin Darling Deffi-Maximalists
In contrast to Ripple and its regulated approach we find LusdDarling of Purists Defi. The emitted by Liquity since 2021 has been based solely on ETH collateral, with a minimum ratio of excessive collateralization 110 %.
Its great power is his Immaturity. Unlike almost all other stablecoins, Liquity has no administration, an “administrator key”, no human intervention option. The rules are coded once and for all in an intelligent contract: there is no break button, no censorship option.
Maintaining anchoring at $ 1 is done thanks to the ETH redemption mechanism. If the price of the LUSD is leaving, the automatic arbitration proceedings will quickly bring balance. This is a perfect example of stablecoin that is not based on the promise of society, but on the market mechanism.
However, its limits are clear: much lower adoption than the giants of the sector and less liquidity. With just a few tens of millions of dollars in capitalization, LUSD has no USDC or harnesses. But for those who prefer safety on-thee Rather than easy use, the absolute reference remains.
Read our complete analysis: My opinion on LUSD: I analyze the final stable ETH-MAXIS
🥉 Gusd Gemini: a discrete student at the bottom (really on the bottom) of the class
The third member of the stage, GusdIt is perhaps the best known for the general public. It was launched in 2018 Exchange Gemini and was one of the first stables in the stables in the United States. Like RLUSD, cash and cash registers are supported with certificates published monthly.
His legal fortress is ensured by NYDFS, which closely oversees his activity. Gemini users can also convert dollars to GUSD (and vice versa) without cost, making it a practical tool for those who use exchange.
However, GUSD suffers from limited adoption. Its capitalization remains low, approximately $ 50 million and its liquidity is not comparable to USDC or USDT. Result: It is extremely clean stable on paper, but rarely used outside the ecosystem of Gemini.
And USD / USDC in all this?
So why aren’t the giants on top of the ranking? Bluechip Note USDC in B+ AND USDT. Not that they are sentenced to failure, but their risk profile is considered higher. For a circle, it is a question of managing public and regulatory addiction matters. For pilgrimages, this is problematic transparency and quality of reserves.
On the other hand, you must be clear: USDT and USDC remain the best stablecoins to generate yield. Their domination in terms of liquidity and their presence on All protocols of defi Efficiently create basic support on the farm.
This is exactly what we do within Club 25% From 21 M ⭕: Choose the best performance strategies every week on USDT and USDC, with the only goal: +25 % per year, for 10 years without active trading.
Comparative table of the best stablecoins in 2025
To see more clearly, here is a comparative table that summarizes the strengths, limits and ideal use of each stablecoin in the Bluechip ranking, comparison with USDT and USDC, market giants.
| Stable | Species | Main force | Limit | Best use | Notice 21m ⭕ |
|---|---|---|---|---|---|
| RUSD (Ripple) | Fiat-under-supported regulated (nydfs) | Segregated reserves on BNY Mellon, monthly certificates with multiple chains (ETH + XRPL), quick acceptance | Direct approach reserved for professionals, short record | Institutional payments and cash flow | In defi (for now) completely unnecessary, but we observe when there will be opportunities to arrive (there will be there) |
| Lusd (liquidate) | On-Co-Coat, Colllat Eth | Imcedable, without administration, peg guaranteed by ETH, excessively collateralized | Low capitalization and liquidity, sometimes bonuses> $ 1 | Willingness to run 100% decentralized | Interesting for storage on a string but few power options |
| Gusd (gemini) | Fiat-under-supported regulated (nydfs) | Seniority (2018), BPM certificates, USD conversion ⇄ Gusd without the cost of Gemini | Low adoption, low market limit (~ 50 million USD) | Users of Kyc Gemini and Individuals | Quite unnecessary whether to store a value or generate revenues |
| USDC (Circle) | Fiat-Backed (B+) | Strong liquidity used everywhere in defi, solid control framework | Administration/Regulation dependence | Decree, loans, lps etc. | Stablecoin n ° 1 club 25 % revenue |
| USDT (handcuffs) | Fiat-under-supported (d) | King of Global Liquidity, received everywhere | Limited transparency, criticized reserves | Trading | Used in our strategies when USDC access is limited |
Trio Bluechip (RLUSD, LUSD, GUSD) illustrates the safest market approaches, but remains limited in adoption and performance. On the contrary, USDT and USDC continue to rule over the deficit of their liquidity.
Opinion 21m ⭕ on the best stablecoins in 2025
21m ⭕ is the Cryptos Investor Community community for Club 25%Strategy designed to generate a stable yield of 25% per year, for 10 years, without active trading.
Rlusd, Lusd and Gusd are undoubtedly the strongest stablecoins on paper. But for an investor who is trying to generate passive income, their usefulness remains very limited:
- Rlusd It is cut for companies and compliance with regulations, but it is still unnecessary for individuals.
- Lusd There is a decentralization gem, which is ideal for storage on-alcohol … but offers almost a few safe opportunities to return.
- GusdFinally, check all the control boxes, but it is too confidential to have any practical interest.
On the contrary, they are USDC and USDT that dominate the defi and which allow Create your capital. Their ubiquity in the pools of liquidity, lending and deficit of strategies makes them essential for those looking for yield.
For this reason is in Club 25%We focus our strategies on these two stablecoins.
(Tagstranslate) Decentralized Finance (T) Stablecoins