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The dollar savings market for Russians is undergoing fundamental changes. Stablecoins are no longer an experimental tool—they are now comparable in reliability to traditional bank foreign currency deposits, and in some respects even surpass them. However, the key conclusion I draw as an analyst is that the optimal strategy is not to choose one instrument, but to diversify wisely.

Three pillars of a dollar safety cushion

A modern approach to preserving dollar savings involves distributing funds across three formats. The first and most dynamically developing is stablecoins, with a significant portion of them being non-custodial to minimize the risk of freezes. The second is classic bank deposits. The third is cash dollars, which, contrary to popular belief, are currently not in short supply.

It is important to understand: stablecoins have already gone through a period of turbulence and proven their viability. Their issuers have learned to manage reserves, and the market has learned to assess de-pegging risks. Nevertheless, relying solely on a cryptocurrency instrument would be a strategic mistake.

IT security: the main threat, not sanctions

Contrary to common opinion, the main danger for stablecoin holders does not come from sanctions risks or regulatory bans. Information security threats come first. Attacks on centralized exchanges, hacks of personal devices, phishing—these are the real enemies of digital capital.

In second place is the uncertainty of legal regulation in Russia and potential tightening of legislation. But even these risks pale in comparison to the threat of losing access to funds due to a hacker attack or technical error.

My expert assessment: In 2026, the optimal proportion of dollar savings for a Russian investor is 40% in stablecoins (primarily in non-custodial wallets), 35% in bank deposits, and 25% in cash. This approach minimizes both technological and regulatory risks, ensuring maximum capital preservation in any market situation.