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Most of the stablecoins right now has a legal license to operate so there's no way that they will freeze randomly your stablecoins unless you get your token on a shady way. We are not on crypto pioneering era where lots of scam from project is happening. Big companies including stablecoins like USDC, PAXOS and many more is moving toward the legal way.
I was checking USDC, they are attested by Grant Thornton, LLP but i could not find any audit papers, if their audit papers are public then it would be great and we can say that they are doing everything on a transparent way.
When it comes to scams, yes there are many scams that are still in the market, the most common right now is to impersonate any legit project and create a replica of their website and scam users.