The USA has a new law-draft, which wants to rule the stablecoin sector. They need to get banking licenses and being approved by the FED. The experts in the crypto-industry think, this gives an advantage only for the bigger fintech companies, with big wallets and sources for compliance and legal administration. For users, actually, this goal is not so bad, because the legal protection also protects our money too, against bad actors, exit scams, frauds.
Stablecoins are, in theory, the simplest crypto-assets. You lock your collateral, and you get your tokens. From a legal view, this is the grayest gray zone, because the stablecoins are money, but without the control of authorities, governments. This situation has to change