I no agree with you Cynthia. Domiciliary account beta pass stable coins. Person fit open domiciliary account and make im savings in USD, EUR, or pounds for a longer period of time and as di value of naira dey fall naso your money go dey gain weight. You go fit keep stablecoins too and get di same benefits but stablecoins fit fall your hands anytime. Dem dey centralized and anything fit happen anytime, that's why it's advisable to spread your portfolios across (USDT, BUSD, USDC etc.) if you're going to hodl for a longer period of time. Project owners of these stablecoins fit remove liquidity or government fit go after them and naso do project go just crash. A good example of stablecoin wey crash na TerraUSD (UST).

The fall of Terra
https://www.coindesk.com/learn/the-fall-of-terra-a-timeline-of-the-meteoric-rise-and-crash-of-ust-and-luna/