Stables are centralized shitcoins on top of centralized pools, on top of centralized fiat. There is loads of counter party risk and none of its regulated. Now I don't like regulation just as much as the next guy but if they are offering higher returns than fed fund rate they are rehypothicating your deposit with more loans. More risk. You know what happens when it blows up? You lose it all. Ask the people that deposited in anchor protocol. It's a ticking time bomb. I'd rather invest in top 500 businesses in a very well regulated market. 8% return on average. Shit if you just want to keep dollars a mutual fund is where you go. Chasing more yield is going to end badly one day for you.