Let's clarify #theter e #MiCA , but before that you need to know a couple of dynamics of the interbank system.

In the collective imagination, the bank is imagined as a large safe in which the account holders' money is stored and stacked on large pallets. Unfortunately, however, this is not the reality. Forget about walls of pure gold as a guarantee for your money. Nowadays that money does not even exist, they are digital lines contained in a database.

Banks earn by granting loans and speculating in turn on other financial instruments, and the system stands only thanks to the continuous circulation of money and the fact that very few people need it in physical form. So the money given to a bank is even more virtual than crypto.

Another important point is the minimum amount that banks must hold in cash as liquidity. Until some time ago it had to be 30% of the capital paid by account holders. Today the obligation is only 10%. What does this mean? That every bank is heavily overexposed, and that if only its account holders decided to go and get back even just 10% of their paid-in capital, the bank, and I would say any bank, would go bankrupt.

Another point! There is an interbank fund that guarantees our money up to a maximum of 100K€. Which means that if you have already deposited more than 100K€ in your account, your money is still at risk.

Now let's move on to #MiCA

The #MiCA requires that a stable Coin, in order to be in compliance, must deposit at least 60% of the collateral in cash and at a Bank.

Consider that #theter has a capitalization that is close to the gross domestic product of a state like Germany!

Now let's try to connect the dots and understand if #Theter are ignorant or enlightened, and above all if they are carrying forward something that, despite the many comments we are reading, is going in favor of the users or not.

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