the stablecoins centralized are reliable ? Is there a risk that they will be stopped or closed by the usa or european government?
if i have stablecoins centralized is better to convert everything in decentralized stablecoins ?
It will always depend to your choice but most of the investors didn't think the same way, if you are investing there is always a risk but
in stablecoins the risk is not that high so others are choosing it if they just want to deposit their money without thinking about the interest.
All stable coins are not reliable, that is my motto as everything can be stop anytime if someone or the government will unite to stop it therefore even if they are stablecoins there is always a risk. But most of the investors are preferring with high risk investment as the return is pretty high also.
I disagree, the risk is higher.
Stablecoins are all pretending that they are linked to fiat and have fiat reserves. As soon as you make a claom about fiat, that gives governments the right to close the coin down. Because only govts control fiat. If you are pretending that your coin is just like fiat, but it's issued by you, you are commiting a fraud.