How to buy stablecoins? (2025 Practical Guide) Buying stablecoins (like USDT, USDC) is super simple, just like buying stocks or transferring money via Alipay. You mainly purchase them directly with RMB/USD on exchanges or exchange them for other cryptocurrencies. The whole process takes only 5-10 minutes, but remember: investing carries risks, so it's advisable to start small (test with 100 RMB) and use 2FA for security verification. Detailed steps: Beginners with no experience buying USDT/USDC.
OKX is one of the top three exchanges globally, and registration offers a 20% discount on trading fees!
OKX (Overseas) registration link: https://www.okx.com/join/97763692
OKX/Binance/Huobi - Register/Download: http://18907.cc
Binance domestic registration: https://www.binance.com/zh-CN/join?ref=565010509
Choose a platform and register: Download the app or register on the official website (using email/phone number), complete KYC (identity verification, upload ID/passport, approval in 1-2 days).
Deposit fiat currency: Transfer RMB/USD using a bank card/Alipay/WeChat (fee 0.5-2%).
Purchase stablecoins: Search for “USDT” or “USDC,” select “Buy,” enter the amount, and confirm.
Withdraw/Store: Transfer to a wallet (like MetaMask, Trust Wallet) or directly use it in DeFi to earn interest.
Security tips: Use a hardware wallet (like Ledger) to store large amounts; avoid clicking on unknown links to prevent phishing.
Recommended stablecoins: USDC (most transparent, monthly audits); USDT (most liquid, globally preferred).
Where can you trade stablecoins? (2025 Top Platform Recommendations) Based on the current market (total market cap over $200 billion), here are the most reliable, low-fee, and user-friendly platforms. Prefer those with regulation (like Coinbase in the US) that support Chinese users (requires VPN). Trading fees are usually <0.1%, open 24/7.
| Platform | Type | Advantages | Supported Stablecoins | Fees | Suitable for | Link/Download |
|---|---|---|---|---|---|---|
| Binance | Centralized Exchange (CEX) | Largest globally, extremely high liquidity; supports P2P buying (direct purchase via Alipay) | USDT, USDC, BUSD, DAI | 0.1% (lower for VIP) | Beginners/High-frequency trading | binance.com |
| Coinbase | CEX (US regulated) | Super secure, simple app; offers educational rewards | USDC, USDT, PYUSD | 0.5-1.5% | US/EU users | coinbase.com |
| Kraken | CEX | Low fees + advanced charts; supports direct purchase in EUR/USD | USDT, USDC, DAI | 0.16-0.26% | Professional trading | kraken.com |
| Bitget | CEX | Earn interest on stablecoins (annualized 5-10%); multi-chain support | USDT, USDC, TUSD | 0.1% | Asian users/Lending | bitget.com |
| OKX | CEX | China-friendly, zero fees for P2P; DeFi integration | USDT, USDC, FRAX | 0.08-0.1% | Cross-border remittance | okx.com |
| Uniswap | Decentralized (DEX) | No registration required, wallet direct connection; low slippage | USDC, DAI, USDT (ERC20) | 0.3% + Gas fee | DeFi enthusiasts | uniswap.org |
| Curve Finance | DEX | Optimized for stablecoins, huge trades with low fees | USDC, USDT, DAI | 0.04% | Large exchanges | curve.fi |
| MoonPay | Payment Gateway | Buy directly with credit card/Apple Pay, no exchange needed | USDT, USDC, PYUSD | 1-4% | Quick start | moonpay.com |
Data source: October 2025 market report, Binance's daily trading volume exceeds $100 billion, accounting for over 60% of stablecoin trading.
Tips for Chinese users: Use Binance/OKX's P2P (over-the-counter trading), supporting WeChat/Alipay; but be aware of local regulations (the 2025 GENIUS Act has relaxed, but don't exceed limits).
For US users: Coinbase/Kraken are the most compliant, supporting direct bank connections.
Earn returns: After buying, put it in ByBit/Nexo staking for an annualized 4-8% (but there are risks of lock-up periods).
Frequently Asked Questions & Risk Reminders
| Question | Answer |
|---|---|
| What's the minimum purchase? | Starting from $10, no threshold. |
| Can I withdraw to a bank? | Transfer after selling to USD (1-3 days, 1% fee). |
| Risks | Platform exit (choose large exchanges to prevent); decoupling (very rare for USDC/USDT); Gas fees (high for DEX). |
| Taxes | US/EU need to report taxes; China treats it as foreign exchange. |
Using the Binance/Coinbase App, deposit → buy USDT/USDC → store in wallet, done in 5 minutes! The stablecoin market is hot right now (USDT market cap over $120 billion), suitable for hedging or trading. Want a specific tutorial (like Binance screenshots) or how to use USDT to buy Bitcoin? Let me know, and I’ll guide you step by step!