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 (transaction fees are over 60% lower than traditional channels, and the time to arrive is reduced from several days to a few minutes), online consumption (such as e-commerce platforms and travel services accepting USDC payments), and offline small transactions (reducing merchant payment costs). For example, using USDT for cross-border transfers costs only $0.1, significantly lower than bank wire transfers which cost $30-50. Additionally, the smart contract features of stablecoins support automated payroll and supply chain settlements. Although there are still issues to resolve regarding user habits and regulatory compliance, their potential in financial inclusion (covering unbanked populations) and anti-inflation (in markets like Argentina and Turkey) is highlighted. In the future, with institutions like Visa and Stripe integrating stablecoin payments, everyday application scenarios will further expand.