Choosing between a custodial and non-custodial wallet for storing USDT TRC20 involves weighing the pros and cons of each type of wallet in terms of security, control, convenience, and accessibility. Here’s a breakdown to help you decide:

Custodial Wallet
Pros:
Convenience: Custodial wallets are generally user-friendly and require less technical knowledge to manage. The service provider handles security and backups.
Access and Recovery: If you lose access to your account, custodial services usually offer ways to recover your funds through customer support.
Integrated Services: Often come with additional features like easy access to exchanges, staking, lending, and other financial services.
Cons:
Control: You don’t have full control over your private keys. The service provider has custody of your funds, which means you must trust them to keep your assets secure.
Security Risks: If the service provider is hacked or goes bankrupt, you could lose your funds. There have been instances of custodial services being compromised.
Regulatory Risks: Your funds might be subject to regulatory actions, and your access to funds could be restricted due to compliance with legal and regulatory requirements.
Non-Custodial Wallet

Pros:
Control: You have full control over your private keys and, therefore, your funds. No third party can access or freeze your assets.
Security: By using best practices (like strong passwords, hardware wallets, and secure backups), you can have a high level of security for your funds.
Privacy: Non-custodial wallets typically offer better privacy since you are not required to provide personal information to a third party.
Cons:
Responsibility: You are solely responsible for the security of your private keys. If you lose your private keys or recovery phrases, you lose access to your funds permanently.
Technical Knowledge: Managing a non-custodial wallet requires a higher level of technical knowledge and attentiveness to security practices.
Limited Features: Non-custodial wallets might have fewer integrated services compared to custodial ones, although many are improving in this regard.
Conclusion
For Maximum Control and Security: A non-custodial wallet is better if you prioritize having complete control over your funds and are comfortable managing your own security. This option is ideal if you have experience with cryptocurrency and understand the importance of safeguarding your private keys.
For Convenience and Ease of Use: A custodial wallet is better if you prefer convenience and ease of use, especially if you are new to cryptocurrency or do not want to handle the responsibility of securing your own private keys. Ensure you choose a reputable and secure custodial service to minimize risks.
Ultimately, the best choice depends on your personal preferences, level of experience, and what you value more: control and security (non-custodial) or convenience and support (custodial).