⚠️ Stablecoins in 2025: Stability or Illusion?
Stable ≠ Safe.
That’s one of 2025’s loudest wake-up calls.
Let’s break down why stablecoins aren’t the safe haven many believe.
🧯 1. Depegs still haunt the market
In April, $sUSD lost its $1 peg after changes to Synthetix reduced collateral thresholds, leading to oversupply.
Sounds rare?
Think again. $DAI, $USDD, and $USN have all faced similar slippage.
🪙 2. What backs your stablecoin?
$USDT (Tether) holds over $98.5B in U.S. Treasury bills — about 1.6% of the total market.
If bond yields or prices swing, what happens to your "stable" coin?
⚖️ 3. Regulation is coming fast
In the U.S., the proposed GENIUS Act would force stablecoins to have:
✅ 100% cash-equivalent reserves
✅ monthly public audits
✅ no interest-bearing versions
BUT: Tether may be exempt due to legal loopholes. Fair competition? Maybe not.
🏦 4. TradFi wants a piece
JPMorgan and Bank of America are reportedly developing a joint stablecoin.
This isn't just a market entry — it’s a strategic push to merge crypto rails with traditional finance.
💡 What should you do?
Don’t keep all your funds in a single stablecoin
Always check reserve audits (not just the marketing)
Prepare for short-term depegs
Watch regulation — it’s the ultimate market shifter
🎯 A stablecoin is not cash under your mattress.
It’s a tool — and every tool comes with risks.
