Stablecoins, as a type of cryptocurrency, are pegged to fiat currencies or other assets, resulting in less price volatility, and are gradually becoming an ideal choice for everyday payments. In retail, cross-border transfers, and online transactions, stablecoins like USDT and USDC are widely used. Their advantages include fast transaction speeds, low fees, and the absence of traditional bank intermediaries, making them particularly suitable for international payments. However, the widespread adoption of stablecoins still faces regulatory challenges and trust issues, such as the transparency of reserves held by issuers. With advancements in blockchain technology and the improvement of regulations, stablecoins are expected to play a more significant role in everyday payments, promoting the development of a cashless society.