Why Stablecoin Issuers Are Shadow Banks

  • The article kinda glosses over an important point --- stablecoin issuers don't just act like banks --- they act like the Federal Reserve.

    An ordinary banks takes in a $1 deposit and issues up to $0.90 in loans.

    A stablecoin issuer can take in $0 and loan any amount they choose.

    It costs them nothing to disperse stablecoins to friends in exchange for IOUs. Friends who will then use the coins to buy/sell and otherwise manipulate crypto prices in collusion with the issuer.

    Bottom line: There is nothing to stop crypto prices from being rigged by stablecoin issuers --- aka the exchanges.

    Musk called Dogecoin a "hustle" but the reality is actually much bigger than that --- the entire crypto market is a "hustle".