Ethereum co-founder Vitalek Boutherin has proposed replacing dollar stablecoins with personalized baskets of stocks and other assets. In his view, the cryptosystem’s dependence on the US currency exposes it to geopolitical risks, to the Fed’s monetary policy, and to long-term inflation.

The concept involves using local AI models (LLMs) to form individual portfolios under each user’s spending structure. The stability of such assets will be ensured by personalization, and growth by possession of basic instruments like stocks or ETH.

The initiative is being launched in response to the accelerating global dedollarization and the BRICS' adoption of national currencies. Despite this, the dollar still dominates 90% of global currency transactions, and USDT stablecoin capitalization exceeds $186 billion, far more than decentralized alternatives.

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