Alchemy Pay / Tether USD
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Price at a bottom

174
Price will keep following Bitcoin's as its owner base is still too small and interest still too low to be anything like LUNA/MATIC. Since these LUNA/MATIC have been doing so well, ACH is very attractive, though its based on the ethereum chain, to build the bridge between fiat and crypto, it uses MATIC and chainlink. The only other competitor is AMC (?) and it will be very useful in the future. Since its not built on its own ecosystem, but taking advantage of others, this means its not a LUNA or a MATIC, but its probably more like a CRO or binance coin, in that its system's coin will become a valuable part of the product when vendors etc are required to hold the coin in order to take advantage of its payment system and the idea of the credit card requiring a high level of coins to be held.

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