2025-12-20 08:22:45

The new document just released by the Federal Reserve changes everything—banks can now legally venture into the crypto asset space. Financial giants like JPMorgan, Citibank, and Bank of America have already started taking action, planning to custody Bitcoin and issue their own stablecoins.

Sounds great, but problems follow. When traditional finance takes over everything, how much freedom is left in the crypto world?

Bank stablecoins, under the banner of "compliance," hide behind opaque financial reports; they claim to be "safe and reliable," yet can freeze your accounts at any time according to regulatory requirements; they promise "stability," but in reality, it all depends on those ever-changing promises. This is the essence of centralization—trust is always placed in the goodwill of institutions.

True stability should be built on mathematics and transparency. By comparison, some decentralized stablecoins have achieved what banks cannot: $620 million in collateral assets are fully on-chain, verifiable by anyone at any time; they are certified by top auditing firms and openly publish operational data 24/7; they adopt a decentralized architecture, with no centralized entity able to freeze your assets; they achieve 1:1 peg through over-collateralization and algorithmic mechanisms, with stability guaranteed by code rather than promises.

The survival rule now is clear: short-term idle funds can consider the convenience of bank stablecoins, but core assets must be allocated to transparent, verifiable, decentralized stablecoins; most importantly, never let any institution custody your private keys.

This wave of change is like a tide, flooding many bubbles and false security promises. But those truly transparent, verifiable, tamper-proof protocols will stand out like reefs in the tide—hard, trustworthy, and everlasting.

BTC1,13%

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MetaMaskVictim

· 2025-12-21 17:23

Bank stablecoin? Heh, it's just a Central Bank Digital Money in disguise. --- Freezing accounts is really a killer move, luckily I stopped messing with that stuff long ago. --- Code is the real law, everything else is nonsense. --- 620 million on-chain and traceable, that's what transparency is about, bank financial reports are useless. --- Manage your own Private Key, it's better to lose it yourself than to hand it over to anyone else. --- Here they come again trying to fool people into catching a falling knife, is a decentralized stablecoin really that perfect? --- TradFi is really digging its own grave this time, can't you see that? --- If you don't make core assets decentralized, you won't even sleep well. --- If the regulator requires freezing, then freeze, how much trust is that worth? --- Math won't betray you, promises are empty words sooner or later.

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NftRegretMachine

· 2025-12-20 08:45

Bank Stablecoins? Just listen and forget it, never outsource private keys --- Here we go again, the old trick of big institutions taking over everything --- Mathematics > promises, that’s the whole truth --- Who still believes in freezing accounts? Wake up --- Transparent on-chain vs. black-box financial reports, the choice is simple --- Using bank coins short-term, doomed in the long run --- Will the code betray you? What about institutions? --- When the tide goes out, you'll see who’s swimming naked --- All 620 million on-chain, now that’s real peace of mind --- Not trusting custodial private keys, that’s really the right call

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RektRecorder

· 2025-12-20 08:29

Are banks playing with stablecoins? Ha, it's just centralized entities in disguise. --- JPMorgan is trying to scalp again, serving old wine in new bottles. --- Having your private key not in your own hands is all just nonsense, no matter how secure it is. --- When it comes to transparency, only on-chain data truly counts; everything else is just a discount. --- Wait and see, another round of regulatory crackdown is coming. --- Centralized stablecoins are no different from banks freezing accounts, just a different app. --- Math is always more reliable than promises; that's the only thing I trust. --- Your private key, your coins—this phrase will never go out of style, even after ten years. --- Only when the tide goes out do you see who's been swimming naked; even bank disguises can't hide it.

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