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Stablecoins are backed by a currency that is stable and can't be changed. Centralized/fiat collateral is a way to keep the value of the coins in the hands of the user. The model is similar to that of Bitcoin, but it is still more volatile than any other model. Stable coins are more stable and more stable than other currencies. The idea of using a stablecoin is to make it more secure and more secure in the future. The best way to get your money back is to use a central bank to back a single coin.