USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements

Xiang Li

doi:10.47297/wspceWSP2516-251914.20250906

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USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements

9卷第6期

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USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements
USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements
The Hong Kong Polytechnic University, Hong Kong, 999077, China
2025年9卷第6期页码：75-78
纸质出版：2025-12-30
DOI：10.47297/wspceWSP2516-251914.20250906
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Xiang Li. (2025). USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements. 创意经济（英文版）, 9(6), 75-78.

Xiang Li.USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements[J].Creative Economy,2025,09(06):75-78.
Xiang Li. (2025). USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements. 创意经济（英文版）, 9(6), 75-78. DOI： 10.47297/wspceWSP2516-251914.20250906.

Xiang Li.USDC and USDT: A Comparative Study of Stablecoin Efficiency in Payment Settlements[J].Creative Economy,2025,09(06):75-78. DOI： 10.47297/wspceWSP2516-251914.20250906.

摘要

Abstract

The rapid growth of stablecoins has transformed digital payment systems

yet regulatory challenges persist in widespread adoption. This study examines USDC and USDT

the dominant stablecoins commanding over 80% combined market share

comparing their efficiency in payment settlements. Employing comparative case analysis and regulatory framework assessment

this research evaluates both stablecoins across transparency standards

settlement efficiency

and regulatory compliance. Findings reveal USDC demonstrates superior transparency through monthly attestations and MiCA compliance

while USDT maintains liquidity advantages despite opacity concerns. Both achieve 96%+ settlement time reduction and 95%+ cost savings versus traditional wire transfers. However

regulatory fragmentation and centralization dependencies pose sustainability challenges. This study provides practical insights for payment service providers selecting stablecoin infrastructure and informs policymakers developing frameworks balancing innovation with systemic stability.

关键词

Keywords

references

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