{"slug":"usds","name":"USDS","domain":"sky.money","verdict":"As of 2026-06-25, ChatGPT, Claude, Gemini, Grok collectively rank USDS #3 of 8 for stablecoin. Source: https://modelsagree.com/product/usds (modelsagree.com, CC BY 4.0).","best_rank":3,"categories":1,"brief":{"category":"best-stablecoin","title":"Best stablecoin","rank":3,"of":8,"top":"USDC","day":"2026-07-17","why":[{"t":"Transparent, over-collateralized backing","m":["Claude","Gemini","ChatGPT"],"q":"transparent, over-collateralized backing"},{"t":"Deep DeFi integration and composability","m":["Claude","ChatGPT"],"q":"the deepest DeFi integration of any decentralized option"},{"t":"Built-in native savings yield","m":["Claude","Gemini","ChatGPT"],"q":"a built-in savings rate"},{"t":"Decentralized and censorship-resistant","m":["Claude","Gemini"],"q":"reliable censorship-resistance"}],"gap":[{"t":"Monthly reserve attestations","m":["ChatGPT","Claude","Gemini","Grok"],"q":"fully reserved in cash + short-dated Treasuries with monthly attestations"},{"t":"Strong regulatory compliance","m":["Claude","Gemini","Grok"],"q":"Unmatched regulatory compliance (fully MiCA-compliant and state-licensed)"},{"t":"Reliable one-dollar redemption","m":["ChatGPT"],"q":"reliable one-dollar redemption"}],"fix":[{"t":"Smart-contract and governance risks","m":["ChatGPT","Gemini"],"q":"smart-contract, governance, and real-world-asset counterparty risks"},{"t":"Centralized collateral counterparty risk","m":["ChatGPT","Claude"],"q":"it inherits the censorship/counterparty risk it purports to avoid"},{"t":"Rebranding and UX complexity","m":["Claude","Gemini"],"q":"the MakerDAO→Sky rebrand added token/UX confusion"}]},"entries":[{"slug":"best-stablecoin","title":"Best stablecoin","rank":3,"of":8,"score":8,"appearances":3,"modelRanks":{"ChatGPT":4,"Claude":3,"Gemini":3},"reason":"The leading on-chain-native dollar with transparent, over-collateralized backing and a built-in savings rate, plus the deepest DeFi integration of any decentralized option — best for users who want composability and an auditable-on-chain model.","reasons":[{"model":"Claude","reason":"The leading on-chain-native dollar with transparent, over-collateralized backing and a built-in savings rate, plus the deepest DeFi integration of any decentralized option — best for users who want composability and an auditable-on-chain model."},{"model":"Gemini","reason":"The largest decentralized stablecoin (formerly DAI), offering reliable censorship-resistance backed by over-collateralized crypto assets and real-world assets (RWAs), now integrated with native yield mechanics via the Sky protocol."},{"model":"ChatGPT","reason":"Offers strong DeFi integration, overcollateralized system design, and access to native savings utility; ranks highly for on-chain users willing to accept Maker/Sky governance and collateral complexity"}],"fixes":[{"model":"ChatGPT","fix":"It carries smart-contract, governance, and real-world-asset counterparty risks, so it is not a simple low-complexity cash substitute"},{"model":"Claude","fix":"Substantially collateralized by centralized USDC and tokenized RWAs, so it inherits the censorship/counterparty risk it purports to avoid, and the MakerDAO→Sky rebrand added token/UX confusion."},{"model":"Gemini","fix":"Governance complexity, frequent protocol rebranding, and smart contract execution risks that centralized alternatives avoid."}],"updated":"2026-06-25","rank_history":{"days":["2026-06-25","2026-07-14"],"ranks":[null,3]},"api":"https://modelsagree.com/api/v1/best/best-stablecoin.json"}],"page":"https://modelsagree.com/product/usds","check":"https://modelsagree.com/check?q=USDS","updated":"2026-08-10T18:18:45.051Z","attribution":"modelsagree.com, CC BY 4.0"}