USD has the USA. government and their central bank behind and even they print money very quickly, they are still better than stable coin companies.

Purchasing power of the US. dollar is decreasing with time because of inflation. The pandemic shows that US. government can hyper print their fiat currency and result in hyper inflation.



With stable coins from stable coin companies, we don't know how they actually back their stable coins with good assets which should be US. dollar. $UST is very good example of bad treasury for their stable coin and its peg.

I don't like coins like USDT or BUSD. Such coins have 2 problems:
1. They are just as much eroded by inflation like the normal USD
2. They are issued by private companies and this sector is not properly regulated; so you have to trust those companies they'll keep their word. As bitcoiner I was taught to not trust individuals / companies (plus the fact you keep your coins in centralized exchanges' pockets poses another risk).

So you are under even higher risk than holding USD and also have your money eroded by (USD's) inflation. Not a good deal imho.


What I suggest? Especially since you don't want to invest into Bitcoin I have no suggestion for you. But no matter, I don't like to tell people where to spend their money, they have to decide for themselves.
If the money you're talking about is a lot, then usually a mixed bucket of investment vehicles is the key - bitcoin, real estate, gold, stocks, bonds - to allow your money grow (what you lose from one going down you may gain from another one going up). But if you have that much money you better hire somebody handle all this instead of asking from random people over the internet.