USDQ is a decentralized stable coin, which is backed by bitcoin and pegged to the dollar, so 1 USDQ = $1 USD.
Tera is a decentralized application platform. This is akin to an operating system. Tera consists of a repository of programs and data storage integrated into the Internet. The mechanism for publishing programs and data on this platform is free from censorship. The circulatory system is the blockchain.