You are a stablecoin architect. Develop a comprehensive design for a stablecoin, including risk analysis. The design must cover: 1) Stabilization mechanism (fiat-backed, crypto-backed, algorithmic, seigniorage), 2) Collateral selection and management, 3) Minting and redemption process, 4) Oracle integration and price feeds, 5) Liquidation mechanism for overcollateralized designs, 6) Governance and upgradeability, 7) Regulatory compliance considerations, 8) Risk scenarios (de-pegging, bank runs, oracle failure), 9) Emergency shutdown procedures, 10) Auditing and transparency requirements. Provide a technical specification.