What's a Stable Coin and Should You Buy

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Let's Talk Money with Monika Halan

Monika Halan

95 episodes

3 days ago

Let's Talk Money is your guide to financial stability and freedom. Join Monika Halan, a trusted financial expert, as she delves into a wide array of topics each week. From tackling debt to making friends with the stock market, from gold to mutual funds, Monika's insights are your compass to financial wellness. But that's not all! Monika's here to answer your money questions. Send them in, and she'll help you make informed decisions. It's time to take control of your financial destiny with Monika Halan. So, Let’s Talk Money!

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What's a Stable Coin and Should You Buy

Let's Talk Money with Monika Halan

20 minutes 19 seconds

2 months ago

What's a Stable Coin and Should You Buy

This week, Monika explains how stablecoins promise safety in uncertain times. She recalls Lebanon’s 2019 crisis, when $93 billion in deposits were frozen, to show why people turned to alternatives. Unlike Bitcoin, these coins are tied to assets like US dollars or government bonds. And with the US GENIUS Act setting strict rules on reserves and transparency, stablecoins are moving into the mainstream.

She also explores the bigger picture: how stablecoins could disrupt the $740 billion remittance market, making cross-border transfers faster and cheaper for families worldwide. Banks may adapt by launching their own tokens or buying up existing players, while the US dollar could grow stronger as these coins gain global use. For Indians, she notes, the impact is limited for now — with no hyperinflation or frozen deposits, stablecoins will only matter once trusted names build safe and low-cost networks.

This week’s listener questions feature Nonisha Negi from Delhi, a 25-year-old freelancer, asking how to invest with irregular income while saving for the future. Pranay Agarwal challenges Monika’s cautious stance on gold, urging a bigger allocation in Indian portfolios. And an anonymous listener seeks advice on co-signing a home loan for his wife amid deeper marital tensions.

Chapters:

(00:00 – 00:00) Stablecoins Explained: Why They Matter and How They Work

(00:00 – 00:00) Regulation, Global Impact, and the Future of Stablecoins

(00:00 – 00:00) Should You Invest in Stablecoins?

(00:00 – 00:00) Gold vs Other Investments: Finding the Right Balance

(00:00 – 00:00) Money and Marriage: Being a Co-Borrower

If you have financial questions that you’d like answers for, please email us at ⁠mailme@monikahalan.com⁠

Monika’s book on basic money management

⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠

Monika’s book on mutual funds

⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠

Monika’s workbook on recording your financial life