USDT is designed to track the dollar
USDT is a stablecoin, so its value is intended to stay close to one US dollar. That makes it easier to estimate a KES payout before exchange.
This does not remove all risk, but it usually reduces the short-term price swings users see with Bitcoin.
Bitcoin can move more during transfer windows
Bitcoin is widely known and liquid, but its price can change sharply. If the goal is a predictable KES payout, that movement matters.
For users sending value that will be converted quickly to M-Pesa, stablecoin quotes are often easier to understand.
Network fees and speed still matter
The token is only one part of the transfer. Network congestion, confirmation time, and wallet support also affect the experience.
Before sending, compare the network selected, the expected processing time, and the total payout estimate.