Both stablecoin and local currency are centralized so both of them cannot be trusted because they are controlled by the exchange of the central bank. But I will choose a local currency especially if it is dollars, pounds, or euros. These currencies experience less drop in value and are relatively stable.  My reason for preferring to keep my money in the bank is that banks are insured by deposit insurance. This means depositors can get back their funds from the bank in the case of bankruptcy or financial problems. The accounts of commercial banks are regularly audited and open for public view but these exchange operations are sometimes kept secret from the public. The best option will be to keep your money in Bitcoin because it is under your control and has a history of price appreciation.