Most people in crypto use Tether(USDT) and Binance(USD) to hold their assets and save at Bearish Market in other words these stable coins are used to maintain a fixed price regardless of pump & dump. I personally used Tether(USDT) due to the most valuable cryptocurrency in terms of Market Capitalization as well as the oldest stable coin in the crypto markets. There are many other stable coins like Terra Luna, USD Coin, and DAI Coin, but favor is always with Tether(USDT)

Tether(USDT):
Tether(USDT) is the fourth most valuable cryptocurrency in terms of market capitalization & the most stable cryptocurrencies. It was first introduced in 2014. It largest cryptocurrency after Bitcoin & Ethereum.