According to CoinMeta, as reported by journalist Yueqi Yang, Erebor Bank has this year attracted crypto customers by allowing the free conversion of stablecoins Circle and Tether into cash. However, some professional trading institutions have taken advantage of this policy for arbitrage, incurring costs for banks. Yueqi Yang pointed out that this reflects the fact that stablecoins do not always maintain a price of $1 in actual transactions; redemption fees, differences in liquidity, and the risk of decoupling from the underlying asset can all lead to deviations, which may also become issues for banks that wish to treat stablecoins as cash.