It is pretty obvious that the days of "centralized" stable coins are coming to and end. HBD has had a pretty good make-over, may need a bit of work yet, but the timing could not be better for Hive and HBD.
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I am not sure they will come to an end. They will end up as banks (at the least the companies behind them) in the US. This will allow them to operate, be audited, and have to comply with regulation.
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You are totally right. They are just coming to an end for us who have better alternatives sprouting up everywhere.