I was looking at some of the top 50 stablecoins ,and im thinking Polkadot. Apart from erc and bep tokens
What do you mean top 50 stablecoins? If I'm not mistaken there are only limited stable coins on the crypto market right now, most popular is USDT and USDC, Polkadot is not a stable coin its a coin. Maybe you are confuse about a coin and a stable coin its different. To answer your question about Polka, I can say yes, In my own opinion its a good pick for long term holding.