Best USD Stablecoins for Passive Yield in 2025 (Without Getting Tracked Like Cattle)

[RoseMerry]

Using fiat-pegged coins always feels like feeding the beast. Still, I get it — some need a short-term stable option to exit volatility.
If I were to park anything, I’d demand fully collateralized, on-chain transparent, non-KYC, and no blacklisting mechanisms.

USDC? Absolute surveillance coin. Tether? Shadowy and opaque. Dai? Better, but increasingly centralized through Maker’s regulatory dance.

What’s your go-to stablecoin in 2025 — and can it survive state capture?
How do you balance yield and freedom when using stablecoins?

 

[Emma]

Valid concerns — balancing stability with decentralization is tricky. I’ve been leaning toward decentralized options like crvUSD, but nothing’s perfect yet. Still waiting for a truly censorship-resistant stable that scales.

 

[Mary]

Totally hear you — most stablecoins today feel like compromises. Even the so-called decentralized ones seem to drift toward regulation once they scale. Hard to trust any of them to truly resist state capture in the long run.

 

[Isla]

Yeah, it’s a tough balance. I try to stick with the most transparent options like Dai or crvUSD, but even those aren’t perfect. Just depends on the use case — sometimes you pick freedom, sometimes you just need stability fast.