# USDT: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 8 judge labels across 1 category by 8 of 14 models. Page: https://www.gane.ai/index/finance/vendors/usdt

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Stablecoin platforms](https://www.gane.ai/index/finance/treasury/stablecoin-platforms/index.md) | 0% | 28 | 25% | 8 |

## What the models said for it

- "For the safest options, look for stablecoins with strong regulatory compliance, regular audits... such as USDT (Tether), USDC (Circle)" (Mistral Small, Stablecoin platforms)
- "USDT is often the practical choice for trading liquidity" (GPT-6 Luna, Stablecoin platforms)
- "Liquidity on major exchanges | USDT (widest acceptance)" (GLM 4.7 FlashX, Stablecoin platforms)
- "Maximum trading liquidity | USDT" (Kimi K2, Stablecoin platforms)

## And against it

- "sources identify greater transparency and regulatory concerns than for USDC... avoid treating it as a universally equivalent substitute for bank cash" (Perplexity Sonar, Stablecoin platforms)
- "compliant stablecoins – especially USDT (Tether), which continues to be traded among EU investors – may pose risks to financial stability in the EU" (Muse Glimmer 30B, Stablecoin platforms)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 1 | 0 | 1 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 1 | 0 | 1 |
| Perplexity Sonar | 0 | 0 | 0 | 1 | 1 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 1 | 0 | 0 | 0 | 1 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 1 | 0 | 0 | 1 |
| GLM 4.7 FlashX | 0 | 1 | 0 | 0 | 1 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 1 | 0 | 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 USDT, from 17 of the 17 answers that named it (only the models that return a source list).

### Domains cited

- stripe.com: 8
- spark.money: 7
- upshift.finance: 5
- onesafe.io: 4
- alchemy.com: 3
- assets.coingecko.com: 3
- binance.com: 3
- bvnk.com: 3
- coingecko.com: 3
- docs.ethena.fi: 3

### Pages cited

- https://assets.coingecko.com/reports/2024/CoinGecko-State-of-Stablecoins-2024.pdf: 3
- https://esrb.europa.eu/pub/pdf/reports/esrb.report202510_cryptoassets.en.pdf: 3
- https://gravityteam.co/blog/top-stablecoins-to-watch-2024: 3
- https://ocbc.com/iwov-resources/sg/ocbc/gbc/pdf/fx%20outlook/fx%20ideas/stablecoins%20-%20unpacking%20the%20future%20of%20digital%20currency.pdf: 3
- https://stripe.com/resources/more/are-stablecoins-safe-for-business-use: 3
- https://upshift.finance/blog/safest-stablecoin: 3
- https://alchemy.com/overviews/enterprise-stablecoin-guide: 2
- https://bitcoin.com/exchanges/stablecoins: 2

## 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.