Stablecoin and CBDC are not very different. We are all centralized currencies, managed and controlled by the government. CBDC may be even safer because they are regulated by central bank. Meanwhile, stablecoins are managed only by private companies, and the risk is that they could go bankrupt, lose liquidity, and our money could disappear permanently.
Bitcoin was designed as a decentralized currency, but today it is used as a store of value. Therefore, comparing it to stablecoin and CBDC is unnecessary.
Each to their own but I think if CBDC gonna get regulated by central bank and managed tightly, you're essentially losing what stablecoin do best which is uncomplicated transfer and remittance.
What if CBDC follow the bank guidelines with tight screening and you're gonna get asked so many questions when you receive money from abroad and your account got frozen and there has been so many such stories where people got their account frozen for receiving money from their own family abroad, at least your address isn't gonna get frozen and asked those many questions when you are sending stablecoin that lives in decentralized blockchain.
As far as I know, USDS is the only decentralized stablecoin on the market, so far. But it is not really popular or widely used, instead, most people use USDT and USDC. Unfortunately, they are centralized stablecoins and they are strictly complying with regulations such as the GENIUS Act and MiCA. This means your asset can still be frozen without prior notice or request. This is even worse than how banks operate, because you almost have no chance to recover your money.
Tether has done this many times without a court, without prior notice and without explanation. I believe you know this very well, don't you?
