Most altcoins are speculative objects with very volatile value. This makes them unsuitable both as means of payment and as long-term investment objects.

I plan to start a new altcoin to be tied to something that has a reasonably lasting value like precious metals or fiat money.

I would appreciate getting other people's opinion on what must be assumed to be the greatest interest and need. A means of payment pegged to fiat money or savings item pegged precious metals?