USDT and USDC are dollar tools to counter foreign exchange and cross-border transfer restrictions. PAXG and XAUt are gold tools to counter fiat currency collapse and economic crises. The common feature of both is that the main token issuers are all Tether. Whether it's dollar or gold stablecoins, you can get them without any bank restrictions. I have a hunch that major crypto exchanges will launch fiat-to-gold coin trading pairs, especially as countries gradually tighten control over precious metal trading.