Taking both risk of holding centralized stablecoin and the platform you stake only to earn 10%-15% per year is doesn't worth IMO. I'd say it's better for invest in banks and lock for around 3-5 years since it mostly give you around 5%-10% interest rate and there's a guarantee that your money will be back 100% because of insurance. Holding Bitcoin for long term is a better option even though the risk is during the dump market.
There's only a small profit that we could gain in stablecoins. If I were to invest and take the risk, I would rather choose high-potential coins like Bitcoin and Ethereum. It might be risky at least I would reap what I will sow when it comes to long-term holding when the bull market approaches. Stable coins aren't that profitable as for me, they aren't worth holding.