The answer
Some centrally issued stablecoins have contract-level control features that may restrict specified addresses. Self-custody of keys is not identical to immunity from token contract rules.
What to do next
Read the issuer’s terms and token contract design and distinguish this from a chain-level freeze. Do not assume every token operates alike.
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Frequently asked questions
Would a hardware wallet bypass restrictions inside a token contract?
No. The token contract executes its own transfer rules regardless of the signing device.