Stablecoin daily payments have shown explosive growth, with global average daily transactions exceeding $18 billion in Q1 2025 (up 315% year-on-year). USDC dominates enterprise-level scenarios due to its compliance advantages, and cross-border remittance costs have decreased by 87% compared to traditional methods; USDT has a market share of 63% in offline payments in emerging Southeast Asian markets. Technical bottlenecks remain, with Visa testing showing that stablecoin payment confirmation times need to be optimized to under 2 seconds. On the regulatory front, the EU MiCA legislation has increased merchant acceptance, but the U.S. Stablecoin Act has been postponed for a vote until 2026, with policy uncertainty hindering large-scale adoption.