#稳定币日常支付 **Stablecoin Payments: Convenience or a Trap Behind the Facade?**

Buying coffee, paying rent, and instant cross-border transfers with digital currency—doesn't it sound like a future lifestyle? Stablecoins are making this a reality. These digital currencies, pegged 1:1 to the US dollar, indeed solve the issue of cryptocurrency price volatility, making everyday use less painful.

**The Benefits are Obvious**: International transfer fees are 90% cheaper than banks, and workers can send money home without being exploited by middlemen; merchants accepting stablecoin payments can instantly convert to cash without waiting for credit card companies to process payments for half a month.

**But There Are Pitfalls**:

1. **Hidden Volatility**: Don’t be fooled by the name “stablecoin”; some small platforms might secretly decouple, as seen last year when people queued up at midnight to exchange money during the Silicon Valley Bank crisis;

2. **Regulatory Blind Spots**: If the government suddenly decides to disallow it, your electronic wallet could instantly become worthless;

3. **Operational Barriers**: Getting Uncle Wang next door to remember 12 English cryptocurrency wallet passwords is harder than teaching him to use a basic mobile phone.

Now Starbucks and Nike are testing stablecoin payments, but if ordinary people truly want to use it, it’s advisable to start with pocket money. After all, keeping money in your pocket feels more secure than anywhere else—unless your pocket is made of blockchain.