With USDC and other stablecoins going mainstream, I’m torn on how to view them. Should I prioritize their payment use and sustainable revenue models, or is the key issue the valuation of the companies and the risk of new regulations affecting their long-term potential?

Currently I am holding SPY and EFA, and now I am looking for different foreign ETFs (definitely for better diversification). EFA gave me broad exposure, and it's working great for me. So recommend me some overseas ETFs.