什么是稳定币？
稳定币是一种价格锚定现实世界资产（通常是法币，如美元）的加密货币。例如：1 USDT 理论上始终等于 1 美元。
为什么需要稳定币？
普通加密货币（如比特币、以太坊）价格波动剧烈，不适合日常支付或存储价值。
稳定币提供了区块链上的“数字现金”，既有加密货币的便捷（快速、低成本、全球转账），又有法币的稳定性。
三种主要类型
| 类型 | 原理 | 典型代表 | 风险 |
|---|---|---|---|
| 法币抵押型 | 在银行存放等额法币（或等价资产），1:1 发行稳定币 | USDT、USDC | 需信任托管方，存在审计和储备金不透明的风险 |
| 加密货币抵押型 | 超额抵押（例如 150% 价值）其他加密资产，通过智能合约维持稳定 | DAI | 加密资产大幅下跌可能导致清算，机制复杂 |
| 算法稳定币 | 无抵押，通过算法和套利调节供需来稳定价格 | 曾经的 UST（已崩盘） | 风险极高，容易陷入死亡螺旋，不适合新手 |
新手建议优先选择法币抵押型，并选择透明度高的项目（如 USDC）。
新手最容易踩的3个坑
- 链选错，钱没了
- USDT可以在以太坊、波场、币安链上发行。转给朋友时，他给你“波场地址”，你却选了“以太坊网络”发送 → 钱永久丢失。
- ✅ 解决：转账前一定确认双方用同一条链（通常默认TRC20便宜又快）。
- 贪利息，买算法稳定币
- 某些稳定币声称“不用抵押，靠算法维持价格”，年化20%吸引你。2022年UST崩盘，一天内价格从1美元跌到0.1美元。
- ✅ 只碰 USDT / USDC / DAI，别碰任何“无抵押”稳定币。
- 把所有稳定币放一个交易所
- 交易所可能倒闭（如FTX）或冻结资金。
- ✅ 大额存到自己的去中心化钱包（如MetaMask、Trust Wallet），小额放交易所方便交易。
稳定币排行榜2026
涵盖USDT、USDC、DAI、FDUSD、TUSD等主流及新兴稳定币。提供实时市值、价格、24h交易量、1h/24h/7d涨跌幅、7天价格走势图。数据源自全球最大数据平台coinmarketcap。
市值：$321,187,769,293，下降0.02%；交易量：$54,181,361,462，下降10.53%
| 名称 | 价格 | 1小时 | 24小时 | 7天 | 市值 | 24小时交易量 | 流通供应量 | 最近7天 |
|---|---|---|---|---|---|---|---|---|
Tether USDT
|
$0.9985 |
0.00% |
0.01% |
0.02% |
$188,204,459,563 | $47,515,483,096 47.58B |
188.47B USDT |  |
USDC USDC
|
$0.9996 |
0.01% |
0.01% |
0.01% |
$75,805,318,710 | $4,797,877,967 4.79B |
75.83B USDC |  |
Dai DAI
|
$0.9994 |
0.01% |
0.00% |
0.01% |
$5,362,305,691 | $62,170,072 62.20M |
5.36B DAI |  |
World Liberty Financial USD USD1
|
$0.9984 |
0.00% |
0.01% |
0.04% |
$4,705,468,601 | $1,068,121,850 1.06B |
4.71B USD1 |  |
Ethena USDe USDe
|
$0.9987 |
0.00% |
0.01% |
0.00% |
$4,500,210,497 | $36,733,018 36.77M |
4.5B USDe |  |
PayPal USD PYUSD
|
$0.9997 |
0.00% |
0.01% |
0.00% |
$3,059,585,778 | $26,594,985 26.60M |
3.06B PYUSD |  |
Global Dollar USDG
|
$0.9997 |
0.01% |
0.01% |
0.01% |
$2,618,185,871 | $50,949,779 50.96M |
2.61B USDG |  |
Ripple USD RLUSD
|
$0.9998 |
0.00% |
0.00% |
0.02% |
$1,698,040,720 | $61,849,447 61.85M |
1.69B RLUSD |  |
USDD USDD
|
$0.9993 |
0.05% |
0.08% |
0.01% |
$1,440,182,004 | $1,618,610 1.61M |
1.44B USDD |  |
United Stables U
|
$0.9996 |
0.04% |
0.01% |
0.02% |
$1,069,434,923 | $276,479,229 276.64M |
1.06B U |  |
TrueUSD TUSD
|
$0.9983 |
0.00% |
0.01% |
0.04% |
$493,678,748 | $18,177,491 18.20M |
494.51M TUSD |  |
EURC EURC
|
$1.16 |
0.03% |
0.04% |
0.22% |
$435,255,514 | $12,180,484 10.45M |
373.46M EURC |  |
First Digital USD FDUSD
|
$0.9980 |
0.01% |
0.01% |
0.05% |
$353,985,664 | $119,647,137 119.89M |
354.68M FDUSD |  |
Ondo US Dollar Yield USDY
|
$1.13 |
0.00% |
0.09% |
0.01% |
$2,139,238,264 | $21,774 19.22K |
1.88B USDY |  |
Falcon USD USDf
|
$0.9950 |
0.03% |
0.03% |
0.15% |
$1,500,665,214 | $519,359 521.92K |
1.5B USDf |  |
GHO GHO
|
$0.9993 |
0.02% |
0.04% |
0.05% |
$583,598,302 | $686,967 687.44K |
584M GHO |  |
Usual USD USD0
|
$0.9986 |
0.00% |
0.02% |
0.02% |
$560,434,877 | $5,698 5.70K |
561.21M USD0 |  |
USDai USDAI
|
$0.9998 |
0.01% |
0.01% |
0.05% |
$501,254,992 | $9,235 9.23K |
501.35M USDAI |  |
USDGO USDGO
|
$0.9998 |
0.01% |
0.01% |
0.00% |
$323,430,668 | $1,780,242 1.78M |
323.49M USDGO |  |
Legacy Frax Dollar FRAX
|
$0.9908 |
0.07% |
0.07% |
0.24% |
$273,326,519 | $222,447 224.49K |
275.84M FRAX |  |
USAT USAT
|
$0.9981 |
0.01% |
0.01% |
0.03% |
$157,273,159 | $2,502,869 2.50M |
157.57M USAT |  |
GUSD GUSD
|
$0.9969 |
0.01% |
0.01% |
0.04% |
$148,988,734 | $59,237 59.41K |
149.44M GUSD |  |
Frax USD FRXUSD
|
$0.9993 |
0.03% |
0.02% |
0.06% |
$131,723,556 | $1,279,518 1.28M |
131.8M FRXUSD |  |
AUSD AUSD
|
$0.9993 |
0.02% |
0.01% |
0.02% |
$131,605,640 | $5,856,629 5.86M |
131.68M AUSD |  |
EUR CoinVertible EURCV
|
$1.16 |
0.02% |
0.06% |
0.21% |
$123,682,075 | $8,261,304 7.09M |
106.17M EURCV |  |
StandX DUSD DUSD
|
$0.9976 |
0.00% |
0.05% |
0.02% |
$100,456,963 | $2,284 2.28K |
100.68M DUSD |  |
lisUSD lisUSD
|
$0.9961 |
0.00% |
0.07% |
0.04% |
$75,282,617 | $271 271.86 |
75.57M lisUSD |  |
USDsui USDsui
|
$1.00 |
0.03% |
0.06% |
0.02% |
$75,175,051 | $2,392,493 2.39M |
75.13M USDsui |  |
Fidelity Digital Dollar FIDD
|
$1.00 |
0.09% |
0.08% |
0.05% |
$62,615,276 | $2,364,167 2.36M |
62.6M FIDD |  |
StraitsX USD XUSD
|
$0.9996 |
0.01% |
0.01% |
0.00% |
$62,190,604 | $987,292 987.60K |
62.21M XUSD |  |
Venus BUSD vBUSD
|
$0.02231 |
0.04% |
0.12% |
0.09% |
$60,125,940 | -- | 2.69B vBUSD |  |
USDH USDH
|
$0.9997 |
0.01% |
0.01% |
0.02% |
$58,593,307 | $2,087,255 2.08M |
58.61M USDH |  |
Eurite EURI
|
$1.16 |
0.00% |
0.09% |
0.14% |
$57,812,573 | $4,369,847 3.74M |
49.61M EURI |  |
Aegis YUSD YUSD
|
$0.9982 |
0.00% |
0.05% |
0.68% |
$40,589,289 | $54 54.15 |
40.65M YUSD |  |
Pax Dollar USDP
|
$0.9997 |
0.03% |
0.03% |
0.04% |
$40,558,143 | $801,737 801.95K |
40.56M USDP |  |
|
Gemini Dollar GUSD
|
$0.9961 |
0.15% |
0.29% |
0.37% |
$40,178,784 | $208,481 209.29K |
40.33M GUSD | |
BUSD BUSD
|
$1.00 |
0.04% |
0.11% |
0.10% |
$37,854,819 | $1,756,757 1.75M |
37.84M BUSD |  |
Celo Dollar CUSD
|
$1.00 |
0.09% |
0.04% |
0.05% |
$35,560,278 | $186,561 186.52K |
35.55M CUSD |  |
Ampleforth AMPL
|
$1.22 |
0.00% |
2.28% |
2.79% |
$34,694,518 | $2 2.00 |
28.27M AMPL |  |
Anchored Coins AEUR AEUR
|
$1.15 |
0.00% |
1.18% |
0.45% |
$34,392,734 | $2,204 1.91K |
29.82M AEUR |  |
MetaMask USD mUSD
|
$1.00 |
0.00% |
0.07% |
2.42% |
$31,916,771 | $16,622,601 16.59M |
31.86M mUSD |  |
USDK USDK
|
$1.01 |
0.00% |
1.21% |
0.44% |
$29,036,558 | -- | 28.6M USDK |  |
Liquity USD LUSD
|
$1.00 |
0.24% |
0.14% |
0.11% |
$28,648,078 | $200,748 199.81K |
28.51M LUSD |  |
sUSD SUSD
|
$0.6904 |
0.01% |
0.49% |
8.51% |
$22,678,754 | $32,657 47.29K |
32.84M SUSD |  |
|
LUSD LUSD
|
$0.9985 |
0.00% |
0.02% |
0.02% |
$20,746,293 | $40,988 41.04K |
20.77M LUSD | |
XSGD XSGD
|
$0.7832 |
0.00% |
0.04% |
0.21% |
$15,211,436 | $20,194 25.78K |
19.42M XSGD |  |
USDB USDB
|
$0.9812 |
0.00% |
1.25% |
1.55% |
$15,177,017 | $24,192 24.65K |
15.46M USDB |  |
USDM USDM
|
$0.9999 |
0.20% |
0.02% |
0.24% |
$14,596,589 | $44,168 44.16K |
14.59M USDM |  |
USD CoinVertible USDCV
|
$0.9993 |
0.00% |
0.07% |
0.04% |
$12,592,657 | $7,445,966 7.45M |
12.6M USDCV |  |
GYEN GYEN
|
$0.005909 |
2.42% |
1.57% |
11.90% |
$12,402,873 | $22 3.71K |
2.09B GYEN |  |