#BigTechStablecoin These cryptocurrencies are linked to stable assets like the dollar, euro, or others, designed to minimize volatility.

- **Highlighted examples**:

- **USDC (USD Coin)**: Issued by Circle, backed 1:1 by US dollars. Recently, its issuer (Circle) had a successful debut on the New York Stock Exchange.

- **Libra (now Diem)**: Initially proposed by Facebook, focused on global payments.

- **Advantages**:

- Ease of cross-border payments and low cost.

- Integration with technology platforms (e.g. Apple, Google could adopt them into their payment systems).

### **2. Central Bank Digital Currencies (CBDC)**

- **Objective**: Complement traditional fiat money, improve financial inclusion, and streamline payments.

- **Example**: **Digital Euro**, proposed by the European Central Bank, aims to compete with private cryptocurrencies.

- **Risks**: Possible substitution of bank deposits and challenges for monetary policy.

### **3. Integration in Major Tech Companies**

- Companies like **Apple, Google, Meta (Facebook), and Uber** are exploring the use of stablecoins on their platforms to reduce costs and improve efficiency.

- **Impact**: Could accelerate the mass adoption of stable cryptocurrencies.

### **4. Risks and Regulation**

- **Challenges**:

- Possible loss of bank deposits.

- Risk of monopoly by tech giants.

- **Proposed solutions**: Regulation similar to money market funds and consumer protection.

### **5. Comparison with Traditional Cryptocurrencies**

- **Stable vs. Bitcoin/Ethereum**:

- Stablecoins avoid volatility, while Bitcoin and Ethereum are more speculative.

- Ethereum stands out for smart contracts, but its scalability remains an issue.