Stablecoins as unit-of-account assets face disruption from central bank digital currencies (CBDCs). Stablecoins offer price stability and global accessibility, but CBDCs, backed by sovereign authority, provide trust, regulatory compliance, and potential for mass adoption. CBDCs could integrate with existing financial systems, offering interoperability and legal tender status, which stablecoins lack. However, stablecoins' decentralized nature and innovation appeal to crypto users, potentially sustaining niche use. CBDCs' success depends on design—privacy, accessibility, and user experience must rival stablecoins. If CBDCs prioritize control over usability, stablecoins could persist. Ultimately, CBDCs' regulatory backing may outpace stablecoins in mainstream adoption, but coexistence is possible.