Stablecoins Enter the "Regulation Era": Who Will Be Hit the Hardest by the FDIC?

If the crypto world is compared to a martial arts circle, then stablecoins are the "banknotes."
And now, the Federal Deposit Insurance Corporation (FDIC) in the U.S. is preparing to release an official version.
What does this mean?
The circle is about to be partially taken over by the government.
Who will be the most affected?
Not Bitcoin, not ETH, but—
👉 Mid-tier stablecoin projects
The reason is simple:
The top-tier (USDT, USDC) already have scale,
Banks (future players) have credit backing,
👉 The middle layer is directly squeezed out.
This is a typical "sandwich layer crisis."
What’s more severe is that the FDIC hasn't banned existing stablecoins, but—
👉 Offers better solutions to naturally phase them out.
This is the highest form of regulation:
Not banning you, but letting the market eliminate you.
Looking deeper, this is actually an extension of dollar hegemony:
👉 Incorporating on-chain USD into traditional financial systems.
So, you see a trend:
🔹 Stablecoins are becoming more like the US dollar,
🔹 The US dollar is becoming more like a stablecoin.
The two are beginning to merge.
How to understand this from a trading perspective?
👉 The stablecoin track will not disappear, but the "entry barrier will skyrocket."
The future winners might be:
✔ Compliant,
✔ Have bank partnerships,
✔ Supported by real assets.
Final summary:
This is not regulation; it’s reshuffling.
Who do you think will be the next stablecoin to be eliminated? #美FDIC发布机构发行稳定币指南草案