My thoughts will not please you because I think this idea is bad.
We are being offered a new blockchain to solve the problem.
The POW algorithm is considered outdated, but all the best decentralized coins work on this very algorithm.
The POS algorithm is very fast, but in practice it has one big problem - decentralization. Whoever has more coins has more nodes, or whoever has more coins can vote for candidates for the main nodes, and as a result we get a network with centralized control. EOC, TRON, etc.

What is presented to us under the guise of DEFI is not DEFI.
If the owner of a smart contract can block a token on your wallet (any stablecoin except for DAI), then storing it on your wallet is no different from using it in any custodial service.