TRC20 is a token standard on the TRON blockchain. A TRC20 USDT wallet is a wallet that supports USDT issued on TRON and can generate a TRC20 address for deposits and withdrawals.
People often pick TRC20 for day-to-day transfers because TRON transactions can confirm quickly and network fees are generally small. Your actual experience depends on the wallet and network conditions.

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A TRC20 wallet is not interchangeable with ERC20 or BEP20 addresses. Always match the network shown by the sender and receiver.
Match the network (TRON/TRC20) on both sides.
Use copy/paste for addresses and verify the characters.
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Test with a small amount before large transfers.
How to Create a TRC20 USDT Wallet
TRC20 vs ERC20 USDT: Differences and Fees