$USDT remains a workhorse stablecoin — useful, liquid, widely accepted, and still pegged to $1. But recent warnings from major credit-rating firms show that it’s not risk-free. If you use USDT, treat it as “stable with warnings”: fine for short-term trades or transfers, but maybe not the safest place to blindly store large savings long-term — unless you’re comfortable with the underlying risk.

If you want — I can pull up 3 scenario forecasts for USDT: pessimistic, neutral, and optimistic, based on likely market/regulatory developments. Want me to build those now?
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