Can I ask you why you want to hold stablecoins for long periods? If you do not intend to buy or invest for the next three months, it is better to keep it in cash than to risk hacking the platform or freezing your funds in the wallet.
Stablecoins are good for trading and short-term betting.
because if I withdraw money from an exchange to the bank account, i have to convert it to domestic currency first and then to usd again on bank. So because of the exchange rates differency and some commissions i loose some money while transferring..
Also it is still unclear how and how much taxes will apply to the crypto exchange money from real bank side.