My personal belief is that bitcoin will top out in oktober of 2025.
When that moment arrives, I have to cash out my BTC and all altcoin positions.

This moment is pretty good timing because 2 months later by january of 2026, new tax rules apply in my country and the IRS will direct access to all funds on any CEX. I would like to remove all assets from the exchange by that time, so my balance is exactly 0.

I could do this in 3 ways:
1) convert all assets to stablecoins, specifically to Tether. And keep these in coldstorage.
2) Sell all crypto for fiat and leave the fiat on the exchange. It says that my account is protected until 100k.
3) Sell all crypto for fiat, and transfer it from the exchange to my regular bank. This would make the bank flag me and ask serious questions. Not because I did something wrong, but because I have gained a serious amount of money from a competitor that they absolutely despise and threatens their business. Some banks even want to suspend accounts of crypto holders here. It gets worse every year.

I do not know which one of the 3 options is the best one.
If Tether loses the peg after this bearmarket and all of my assets were converted to tetherTether, EVERYTHING is gone. I find it extremely risky. But so are the other options.

Which stablecoin is least likely to lose the peg and why?
I don't know what would have to happen for a stablecoin to lose the peg.

And does anyone see any other options than the 3 I mentioned?

My personal belief is that bitcoin will top out in oktober of 2025.
When that moment arrives, I have to cash out my BTC and all altcoin positions.

This moment is pretty good timing because 2 months later by january of 2026, new tax rules apply in my country and the IRS will direct access to all funds on any CEX. I would like to remove all assets from the exchange by that time, so my balance is exactly 0.

I could do this in 3 ways:
1) convert all assets to stablecoins, specifically to Tether. And keep these in coldstorage.
2) Sell all crypto for fiat and leave the fiat on the exchange. It says that my account is protected until 100k.
3) Sell all crypto for fiat, and transfer it from the exchange to my regular bank. This would make the bank flag me and ask serious questions. Not because I did something wrong, but because I have gained a serious amount of money from a competitor they absolutely despise. Some banks even want to suspend accounts of crypto holders here. It gets worse every year.

I do not know which one of the 3 options is the best one.
If Tether loses the peg after this bearmarket and all of my assets were converted to tether, EVERYTHING is gone. I find it extremely risky. But so are the other options.

Which stablecoin is least likely to lose the peg and why?
I don't know what would have to happen for a stablecoin to lose the peg.

And does anyone see any other options than the 3 I mentioned?