# USDC: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 15 judge labels across 1 category by 12 of 14 models. Page: https://www.gane.ai/index/finance/vendors/usdc

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Stablecoin platforms](https://www.gane.ai/index/finance/treasury/stablecoin-platforms/index.md) | 0% | 21 | 20% | 15 |

## What the models said for it

- "USDC is the safest stablecoin in 2026, now supervised federally under the GENIUS Act and licensed as an e-money token under MiCA" (Claude Haiku 4.5, Stablecoin platforms)
- "current comparisons generally place USDC among the stronger options, while stressing that it is not risk-free" (Perplexity Sonar, Stablecoin platforms)
- "Generally Safer Alternatives ... USDC (Circle) - Regulated U.S. entity, monthly attestations" (Kimi K2, Stablecoin platforms)
- "such as USDT (Tether), USDC (Circle), and others that meet regulatory standards" (Mistral Small, Stablecoin platforms)

## And against it

- "USDC briefly lost its peg during the March 2023 banking crisis ... Caution: While these recovered, they highlight operational and regulatory risks." (MiniMax M2.5, Stablecoin platforms)
- "Fiat-collateralized stablecoins such as USDT and USDC ... "rely heavily on centralised issuers"" (Muse Glimmer 30B, Stablecoin platforms)
- "it highlighted the risk of centralized issuers holding deposits in volatile banks" (GLM 4.7 FlashX, Stablecoin platforms)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 1 | 0 | 1 | 0 | 2 |
| GPT-5.4 mini | 0 | 0 | 1 | 0 | 1 |
| Gemini 3.5 Flash | 0 | 0 | 1 | 0 | 1 |
| Perplexity Sonar | 1 | 0 | 0 | 0 | 1 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 1 | 0 | 0 | 0 | 1 |
| DeepSeek V4 Flash | 1 | 0 | 0 | 0 | 1 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 1 | 0 | 0 | 0 | 1 |
| Kimi K2 | 2 | 0 | 0 | 0 | 2 |
| GLM 4.7 FlashX | 0 | 1 | 0 | 1 | 2 |
| MiniMax M2.5 | 0 | 0 | 0 | 1 | 1 |
| GPT-6 Luna | 0 | 1 | 0 | 0 | 1 |
| Muse Glimmer 30B | 0 | 0 | 0 | 1 | 1 |

## Sources returned with these answers

The sites and pages cited by the answers that named USDC, from 28 of the 32 answers that named it (only the models that return a source list).

### Domains cited

- stripe.com: 13
- federalreserve.gov: 8
- onesafe.io: 8
- spark.money: 7
- bis.org: 6
- stablecoininsider.org: 6
- binance.com: 5
- coingecko.com: 5
- congress.gov: 5
- ocbc.com: 5

### Pages cited

- https://stripe.com/resources/more/are-stablecoins-safe-for-business-use: 6
- https://ocbc.com/iwov-resources/sg/ocbc/gbc/pdf/fx%20outlook/fx%20ideas/stablecoins%20-%20unpacking%20the%20future%20of%20digital%20currency.pdf: 5
- https://assets.coingecko.com/reports/2024/CoinGecko-State-of-Stablecoins-2024.pdf: 4
- https://esrb.europa.eu/pub/pdf/reports/esrb.report202510_cryptoassets.en.pdf: 4
- https://federalreserve.gov/econres/notes/feds-notes/stablecoins-in-2025-developments-and-financial-stability-implications-20260408.html: 4
- https://upshift.finance/blog/safest-stablecoin: 4
- http://congress.gov/crs_external_products/IN/PDF/IN11928/IN11928.1.pdf: 3
- https://247wallst.com/investing/cryptocurrency/2026/10/31/tether-made-1-5-billion-in-q3-and-doubled-its-reserve-cushion-to-8-billion-how-safe-is-usdt-now: 3

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.