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USDT keeps on changing its stance on whether it is fully backed or not. So apparently it's not transparent and if you look into the on-chain stat of how they print USDT every single time BTC dips, it raises suspicion.

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Unfortunately, in a decentralized ecosystem, we have a single large concentration of USDT which is a manipulative stablecoin IMHO, most of the users are gullible, so they prefer to keep USDT as a hedge on the premise of its market cap. So I think the people should do a favor to themselves, and make a why-why analysis on USDT as the stablecoin. An informed choice is always better.