Stablecoins like #稳定币日常支付 are gradually penetrating the daily payment sector due to their price stability, low cost, and efficient settlement advantages. Their core applications include cross-border remittances (with fees over 60% lower than traditional channels, and transfer times reduced from several days to a few minutes), online consumption (such as e-commerce platforms and travel services accepting USDC payments), and small offline transactions (reducing merchants' payment costs). For instance, the cost of using USDT for cross-border transfers is only $0.1, far below the $30-50 charged by bank wire transfers. Additionally, the smart contract features of stablecoins support automated salary payments and supply chain settlements. Although issues regarding user habits and regulatory compliance still need to be addressed, their potential is highlighted in financial inclusion (covering unbanked populations) and inflation resistance (in markets like Argentina and Turkey). In the future, as institutions like Visa and Stripe integrate stablecoin payments, their everyday application scenarios will further expand.