Are stable coins or usdC/T any ‘safer’ than are cryptos? Considering the fact your can earn high interest rates on them without caring on the price movements on a long term.

All crypto are risky, but stablecoins are generally safer, because they have the most liquidity and they are tied to all cryptocurrencies/tokens. In order for it to 'depeg' from USD, it requires an almost infinite amount of money and power to disrupt the whole cryto market.

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There are indeed so many types of stablecoins out there esp in the wilderness of DeFi:

• Fiat-collateralized, like USDC, BUSD, GUSD (USDT is dodgy)

• Crypto-collateralized, like DAI

• Algorithmic stablecoins, like UST

• or a mix of the above, like FEI, IRON

If "safety" means whether the value will consistently peg to fiat (e.g. 1 US Dollar), then the algorithmic or crypto-collateralized ones aren't worth that safe. Taking the crash in May as an example, UST (TerraUSD) lost the peg for almost a week, and was at worth only $0.92 at one point. We also saw IRON's spectacular fall last month.

So if we're in for stablecoin yields (like the 8.88% from Celsius), I would prefer that it is as "stable" as it can be, and so far it seems like only USDC (by Circle/Coinbase), PAX (by Paxos) and BUSD (white-labelled with Paxos) as they are (as claimed) to be 100% back by cash and assets that are backed by US Treasury. They are also regulated by state agencies in the US, such as the New York State Department of Financial Services. They also have pretty huge supply in the market (1 ~ 3B). Gemini's GUSD is similar too but has only about 100M in supply. They do seem to be "safer" than other crypto. But as the saying goes, high risk high return!​​​