USDT (Tether USD) is a stablecoin designed to hold a 1:1 value with the US dollar. Launched in 2014, it is the largest stablecoin, worth about $184 billion in October 2026. People use it to hold dollars, trade, send money abroad and pay for everyday purchases. With the Oobit Crypto Card, you can tap to pay with USDT anywhere Visa is accepted.
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USDT (Tether USD) is a stablecoin designed to hold a 1:1 value with the US dollar. Launched in 2014, it is the largest stablecoin, worth about $184 billion in October 2026. People use it to hold dollars, trade, send money abroad and pay for everyday purchases. With the Oobit Crypto Card, you can tap to pay with USDT anywhere Visa is accepted.
A USDT payment moves value in USDT instead of local currency. With Oobit, you pay at any Visa merchant with Apple Pay, Google Wallet or online. Your USDT is converted at checkout and the merchant receives local currency as usual.
Compare stablecoins: USDC · USAT · PYUSD · XAUT · All stablecoins
Last updated: October 15, 2026
Market cap
About $184 billion (CoinGecko, October 15, 2026)
Issuer
Tether
Launch year
2014
Paolo Ardoino
CEO of Tether
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Bitcoin.com
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VeChain foundation
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Questions?
Answers.
What is USDT used for?
People use USDT to save in dollars where local currencies are unstable, to trade on crypto exchanges, to send money abroad in minutes, and to pay in stores and online. See how to use USDT as a payment method.
What is a USDT payment?
A USDT payment moves value in USDT instead of local currency, either wallet to wallet or through an app that pays the merchant in local currency. With Oobit, you can pay any Visa merchant with USDT using Apple Pay, Google Wallet or online checkout.
Is USDT the same as a dollar?
No. It tracks the dollar and is redeemable through Tether, but it's a crypto token, not bank money or government-issued cash, and it isn't covered by bank deposit insurance.
Is 1 USDT always worth $1?
It is designed to be. In practice USDT usually trades within a fraction of a cent of $1, but it can move further away during market stress.
How does USDT work?
Tether issues USDT when customers deposit dollars and removes it when tokens are redeemed. Its Q2 2026 attestation by BDO reported $187.75 billion in assets against $183.64 billion in liabilities as of June 30, 2026.
Which blockchains is USDT on?
Mostly Tron (about 51% of supply) and Ethereum (about 40%), followed by BNB Smart Chain, Solana and others (DefiLlama, October 2026). Always send USDT on the same network the receiving wallet uses. In Oobit, USDT may be supported on Ethereum, Tron, Polygon and Solana.
What is the difference between USDT and USDC?
USDT is issued by Tether and is worth about $184 billion, while USDC is issued by Circle and is worth about $73 billion. USDT is used more for payments and in emerging markets, and USDC is authorized under the EU's MiCA rules while USDT is not. Compare all stablecoins.
How do I buy USDT?
You can buy USDT on an exchange, through a broker or P2P, or with a card inside the Oobit app where available. Fees vary a lot, so compare them in our guide to the cheapest way to buy USDT.
Can I convert USDT to cash?
Yes. You can sell USDT for local currency on an exchange or P2P platform and withdraw it to your bank. With Oobit you can also spend USDT directly wherever Visa is accepted, or send it to a bank account in local currency with Send Crypto.
Can I spend USDT with a card?
Yes. With the Oobit crypto card you can pay with USDT anywhere Visa is accepted, in store with Apple Pay or Google Wallet, or online. Your USDT is converted at checkout and the merchant receives local currency as usual.
How do I send USDT with Oobit?
With Send Crypto, Oobit converts your USDT and pays local currency into a bank account, usually within 1 to 2 business days. You can also send USDT to other Oobit users for free by phone number (not available in the US). Features vary by country.
Is USDT safe?
USDT is the largest and most widely used stablecoin, but Tether publishes quarterly attestations rather than full audits. Its price can also briefly move away from $1 under market stress.
Is USDT legal in the EU?
Owning USDT isn't banned, but it isn't authorized under MiCA. ESMA has told EU crypto platforms to wind down customer holdings of non-MiCA stablecoins by about January 8, 2027.
Is USDT legal in the US?
Under the GENIUS Act, signed in July 2025, USDT is treated as a foreign-issued stablecoin. For the US market, Tether launched a separate token, USAT, in January 2026.
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