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：$323,462,838,727，下降0.24%；交易量：$80,444,400,326，上升10.68%
| 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
|
$0.9990 |
0.00% |
0.01% |
0.04% |
$189,663,637,868 | $64,906,885,022 64.96B |
189.84B USDT |  |
USDC USDC
|
$0.9997 |
0.00% |
0.00% |
0.00% |
$76,288,854,659 | $11,714,431,833 11.71B |
76.3B USDC |  |
Dai DAI
|
$0.9996 |
0.00% |
0.00% |
0.00% |
$5,363,592,623 | $63,392,310 63.41M |
5.36B DAI |  |
World Liberty Financial USD USD1
|
$0.9998 |
0.02% |
0.04% |
0.06% |
$4,652,150,225 | $2,342,934,627 2.34B |
4.65B USD1 |  |
Ethena USDe USDe
|
$0.9994 |
0.00% |
0.00% |
0.05% |
$4,442,883,872 | $45,538,942 45.56M |
4.44B USDe |  |
PayPal USD PYUSD
|
$0.9996 |
0.00% |
0.01% |
0.01% |
$3,652,263,984 | $66,938,198 66.96M |
3.65B PYUSD |  |
Global Dollar USDG
|
$0.9998 |
0.02% |
0.02% |
0.03% |
$2,678,591,386 | $44,212,417 44.21M |
2.67B USDG |  |
Ripple USD RLUSD
|
$1.00 |
0.03% |
0.01% |
0.01% |
$1,736,904,557 | $154,414,289 154.41M |
1.73B RLUSD |  |
USDD USDD
|
$0.9993 |
0.01% |
0.14% |
0.03% |
$1,537,660,017 | $3,334,463 3.33M |
1.53B USDD |  |
United Stables U
|
$0.9995 |
0.02% |
0.03% |
0.02% |
$1,062,419,199 | $372,509,549 372.58M |
1.06B U |  |
TrueUSD TUSD
|
$0.9988 |
0.00% |
0.03% |
0.05% |
$493,970,023 | $12,900,013 12.91M |
494.51M TUSD |  |
EURC EURC
|
$1.16 |
0.02% |
0.16% |
0.76% |
$429,051,138 | $35,884,609 30.87M |
369.22M EURC |  |
First Digital USD FDUSD
|
$0.9979 |
0.02% |
0.04% |
0.01% |
$373,762,334 | $188,614,738 188.97M |
374.52M FDUSD |  |
Ondo US Dollar Yield USDY
|
$1.13 |
0.28% |
0.27% |
0.01% |
$2,138,099,343 | $246,591 217.94K |
1.88B USDY |  |
Falcon USD USDf
|
$0.9974 |
0.00% |
0.04% |
0.20% |
$1,616,071,816 | $308,423 309.20K |
1.62B USDf |  |
GHO GHO
|
$0.9990 |
0.00% |
0.00% |
0.04% |
$583,450,764 | $568,957 569.49K |
584M GHO |  |
Usual USD USD0
|
$0.9984 |
0.00% |
0.02% |
0.02% |
$562,157,638 | $1,187,702 1.18M |
563.03M USD0 |  |
USDai USDAI
|
$0.9996 |
0.00% |
0.00% |
0.00% |
$501,193,360 | -- | 501.35M USDAI |  |
USDGO USDGO
|
$0.9998 |
0.01% |
0.01% |
0.00% |
$333,503,946 | $6,247,832 6.24M |
333.55M USDGO |  |
Legacy Frax Dollar FRAX
|
$0.9932 |
0.03% |
0.10% |
0.03% |
$273,984,743 | $695,036 699.76K |
275.84M FRAX |  |
USAT USAT
|
$0.9988 |
0.01% |
0.02% |
0.01% |
$149,471,934 | $3,346,024 3.34M |
149.64M USAT |  |
GUSD GUSD
|
$0.9978 |
0.01% |
0.04% |
0.15% |
$149,122,171 | $209,042 209.48K |
149.44M GUSD |  |
AUSD AUSD
|
$0.9996 |
0.01% |
0.01% |
0.01% |
$132,861,615 | $39,920,415 39.93M |
132.9M AUSD |  |
Frax USD FRXUSD
|
$0.9996 |
0.00% |
0.01% |
0.03% |
$132,198,834 | $2,268,204 2.26M |
132.24M FRXUSD |  |
EUR CoinVertible EURCV
|
$1.16 |
0.06% |
0.17% |
0.83% |
$123,481,053 | $33,686,254 29.01M |
106.34M EURCV |  |
MNEE MNEE
|
$0.9992 |
0.08% |
0.08% |
0.03% |
$101,311,373 | $148,504 148.61K |
101.38M MNEE |  |
StandX DUSD DUSD
|
$0.9986 |
0.02% |
0.03% |
0.03% |
$100,646,826 | $156,069 156.28K |
100.78M DUSD |  |
USDH USDH
|
$0.9994 |
0.02% |
0.03% |
0.03% |
$76,041,540 | $12,289,089 12.29M |
76.08M USDH |  |
lisUSD lisUSD
|
$0.9979 |
0.08% |
0.05% |
0.10% |
$75,440,039 | $882 883.60 |
75.59M lisUSD |  |
USDsui USDsui
|
$1.00 |
0.20% |
0.05% |
0.03% |
$75,164,129 | $1,392,180 1.39M |
75.12M USDsui |  |
Fidelity Digital Dollar FIDD
|
$0.9996 |
0.01% |
0.01% |
0.03% |
$62,579,808 | $2,488,853 2.48M |
62.6M FIDD |  |
Venus BUSD vBUSD
|
$0.02230 |
0.00% |
0.03% |
0.02% |
$60,095,886 | -- | 2.69B vBUSD |  |
Eurite EURI
|
$1.16 |
0.01% |
0.14% |
0.80% |
$58,340,919 | $13,613,097 11.71M |
50.21M EURI |  |
StraitsX USD XUSD
|
$1.00 |
0.03% |
0.05% |
0.01% |
$53,863,461 | $12,588,489 12.58M |
53.86M XUSD |  |
Aegis YUSD YUSD
|
$0.9985 |
0.00% |
0.14% |
0.48% |
$40,599,131 | $169,935 170.18K |
40.65M YUSD |  |
Pax Dollar USDP
|
$0.9985 |
0.01% |
0.05% |
0.04% |
$40,510,331 | $951,877 953.25K |
40.56M USDP |  |
|
Gemini Dollar GUSD
|
$1.00 |
0.02% |
0.21% |
0.20% |
$40,198,762 | $492,213 491.53K |
40.14M GUSD | |
BUSD BUSD
|
$0.9998 |
0.00% |
0.03% |
0.02% |
$37,836,494 | $653,081 653.18K |
37.84M BUSD |  |
Celo Dollar CUSD
|
$1.00 |
0.03% |
0.03% |
0.06% |
$35,556,426 | $213,694 213.68K |
35.55M CUSD |  |
MetaMask USD mUSD
|
$1.00 |
0.01% |
0.77% |
0.04% |
$35,138,015 | $6,413,891 6.35M |
34.83M mUSD |  |
Ampleforth AMPL
|
$1.23 |
0.03% |
1.08% |
2.19% |
$34,829,944 | $1,750 1.42K |
28.27M AMPL |  |
Anchored Coins AEUR AEUR
|
$1.15 |
0.00% |
0.65% |
0.67% |
$34,356,586 | $6,991 6.07K |
29.82M AEUR |  |
Liquity USD LUSD
|
$1.00 |
0.00% |
0.03% |
0.05% |
$28,673,486 | -- | 28.59M LUSD |  |
USDK USDK
|
$0.9967 |
0.00% |
2.18% |
0.66% |
$28,507,412 | -- | 28.6M USDK |  |
sUSD SUSD
|
$0.6731 |
0.63% |
10.92% |
2.10% |
$22,081,338 | $97,668 145.09K |
32.8M SUSD |  |
|
LUSD LUSD
|
$0.9991 |
0.01% |
0.02% |
0.04% |
$20,758,430 | $56,267 56.31K |
20.77M LUSD | |
USDB USDB
|
$0.9990 |
0.11% |
0.53% |
0.06% |
$15,949,474 | $2,388 2.38K |
15.96M USDB |  |
XSGD XSGD
|
$0.7827 |
0.05% |
0.25% |
0.46% |
$15,060,985 | $611,622 781.41K |
19.24M XSGD |  |
USDM USDM
|
$1.00 |
0.06% |
0.15% |
0.29% |
$14,685,660 | $68,861 68.83K |
14.67M USDM |  |
StablR Euro EURR
|
$1.15 |
0.09% |
0.15% |
0.89% |
$13,766,974 | $4,772,770 4.11M |
11.88M EURR |  |