What this friend said is quite representative: the US dollar stablecoin depreciates and loses value with the depreciation of the dollar, and it does not generate interest income. Is this correct?

In fact, it is both right and wrong.

The correct part is that compared to the US dollar and other currencies (there is no depreciation without comparison), when the US dollar depreciates (or appreciates), the US dollar stablecoin does indeed depreciate (or appreciate) relative to other currencies, which is determined by the DXY.

The incorrect part is that stablecoins do generate interest income; it's just that the interest income is not given to you. This is also why Coinbase can offer some subsidies. Additionally, 1 dollar of stablecoin is always equal to 1 dollar of US Treasury bonds (or dollars), so the US dollar stablecoin only appreciates against the dollar, with almost no depreciation.

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