Recently, I saw someone discussing whether stablecoins will lose their peg. Honestly, it's often not "no money in the account," but rather everyone panics and runs on the bank. When a run happens, even transparent reserves can be scrutinized and exaggerated. My OCD point is: reserve disclosures shouldn't just give a rough percentage; it’s best if people can easily check and if updates are frequent enough. Otherwise, when market sentiment shifts, rumors spread faster than audits.

By the way, I want to complain about the current testnet incentives and points system. The hype makes people eager, and in the group, people ask every day, "Will the mainnet issue tokens?" I actually care more about: granting permissions to a bunch of contracts just to farm points. If something goes wrong, you might not even have time to swap stablecoins back… Anyway, I’d rather earn fewer points and avoid granting permissions unless absolutely necessary.

As for "long-term," my own definition is pretty casual: if I can endure a big wave of volatility without changing my strategy, I consider that long-term. It might be a quarter, or just two months; mainly, it depends on whether I feel impulsive about adding to my position and then regret it. That’s all for now.