Both of the coin want to track a stable value of the USD. Like you said one decentralised and the other one not. I don't own any of these two, the only stable coin I invested in the past is USDT. It's the biggest stable coin, for me it gives some additional security for being the market leader. Usually I prefer decentralised systems , but when it comes to stable coins centralisation might be better. So if I had to choose one of the two coins I would probably go with Busd, as it's also regulated by the government.