People can hate Tether but we must have stable coins or assets! That is not to say that Tether isn't a fraud, it is about need in community of crypto investors to exchange their portfolio to not volatile ones. DAI is one of them and Bitshares also have stable coins.
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This is a very valid point: the crypto community needs stable (in terms of price) + very liquid cryptos. So projects like: Tether or Ripple are trying to do exactly that.
Ripple is a centralized bank coin. No the community doesn't need this