What is StableFable?
- Explain — What stablecoins are and how they affect you.
- Score — One easy number from 0–100.
- Track — Which banks/fintechs launch coins and how they compare.
- Report — Short weekly updates and periodic reports.
⏱️ 60-Second Explainer What’s a Stablecoin?
- Digital dollars designed to stay at $1.
- Backed by reserves (cash, T-bills) and move on modern rails.
- Redeemable to regular dollars when the issuer supports it.
- We simplify with our Coin Confidence Score so you don’t need a PhD.
How they help
- Fast: near-instant transfers 24/7.
- Lower fees vs. many legacy rails.
- Programmable for modern apps & payments.
What to watch
- Reserve quality + transparency
- Cash-out speed/limits
- Regulatory status + audits
🧭 Quick Guide The GENIUS Act (Plain English)
- 1:1 Reserves: Safe assets (cash/T-bills) match coins issued.
- License: Issuers need a federal charter/license.
- Audits & Disclosures: Regular independent checks.
- Redemption: Prompt cash-out rights for consumers.
Why it matters for you
- Safer, more reliable products
- Clearer protections
- Less jargon — more standards
We’ll link the official text when finalized. Start with our summaries above.
📊 Coin Confidence Scores (0–100)
Demo values for layout. Educational content; not financial advice.
USDC
Safe92
- Issuer
- Circle
- Why
- Strong reserves, audits, U.S. alignment.
USDT
Watch72
- Issuer
- Tether
- Why
- Mass adoption, less clarity on reserves.
DAI
Safe78
- Issuer
- MakerDAO
- Why
- DeFi-native, transparent collateral.
PYUSD
Watch68
- Issuer
- PayPal
- Why
- Strong brand; usage still growing.
FDUSD
Watch65
- Issuer
- First Digital
- Why
- Backed reserves; limited adoption.
📝 Owl’s Note of the Week
- GENIUS Act public comments closed; Treasury guidance expected next.
- USDC liquidity steady; PYUSD integrations growing.
- DAI collateral review shows no depeg risk.