Is USDC safer than USDT?

By disclosure and regulatory posture, most people say yes. By the odds of getting paid this week, the one your client holds is the safer choice.

Can I accept both on one invoice?

Yes, and you should if you do not know what the client uses. Tick both and the payment block lists them.

Supported, and occasionally the right answer for a client who wants to avoid a centralised issuer. Almost nobody will offer it unprompted.

Which chain is cheapest?

TRON for USDT, Base or Solana for USDC — all in the region of cents. Ethereum mainnet is the expensive one.

Are stablecoin payments taxable?

Being paid is income wherever you are, and converting later may be a separate event. That is a question for your accountant and your jurisdiction, not for us.

Perly Invoice

USDC vs USDT for invoicing

Last updated: September 2026

For the purpose of being paid, the difference between USDC and USDT is not really the reserves. It is who your client already holds, on which chain, and how much they will pay in fees to send it.

The short answer

Client is a US or EU company with a finance function → ask for USDC. It is the one a compliance desk is comfortable with.
Client is an individual or a business outside the West → ask for USDT, very likely on TRON. It is what they hold and what they know how to send.
You do not know → put both on the invoice and let them choose. That costs you nothing.

How they actually differ

Issuer and regulation. USDC is issued by Circle, US-regulated, with monthly attestations and an EU e-money authorisation. USDT is issued by Tether, which publishes quarterly attestations and is far larger.
Reserves. Both are dollar-denominated; USDC's disclosure has historically been more granular, which is most of why institutions prefer it.
Liquidity. USDT is bigger and dominates outside the US and Europe, and is often the only stablecoin on a local exchange's order book.
Freezing. Both issuers can freeze addresses and both do. Neither is censorship-resistant money, and if that is what you want the answer is bitcoin.
Chains. USDC leans Base, Ethereum, Solana and the EVM L2s. USDT leans TRON, plus the same EVM chains and Solana.

The chain matters more than the coin

A transfer costs what its chain costs, not what its token is worth: cents on Base, Solana or TRON, and a real number on Ethereum mainnet. A client sending you $200 will notice a $12 fee and may quietly decide to pay you next month instead.

And the decimals differ per chain, not per coin — USDC is six decimals on Ethereum and eighteen on BNB Chain. It only matters because a tool that gets it wrong builds a transfer for the wrong amount, which is why Perly keeps one table of contracts and decimals and freezes the right pair onto the document.

What to put on the invoice, either way

The asset by ticker — USDC or USDT, never "crypto" or "stablecoin".
The network in full — an address valid on six chains receives on the one you are watching.
The address, monospaced and copyable, with a QR code.
Which number is the obligation, if you priced the invoice in a national currency.

Landers with the chain lists and the rest of the mechanics: USDC invoicing and USDT invoicing.

Common questions

Is USDC safer than USDT?: By disclosure and regulatory posture, most people say yes. By the odds of getting paid this week, the one your client holds is the safer choice.
Can I accept both on one invoice?: Yes, and you should if you do not know what the client uses. Tick both and the payment block lists them.
What about DAI?: Supported, and occasionally the right answer for a client who wants to avoid a centralised issuer. Almost nobody will offer it unprompted.
Which chain is cheapest?: TRON for USDT, Base or Solana for USDC — all in the region of cents. Ethereum mainnet is the expensive one.
Are stablecoin payments taxable?: Being paid is income wherever you are, and converting later may be a separate event. That is a question for your accountant and your jurisdiction, not for us.

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