Stablecoins, as a type of cryptocurrency pegged to fiat currencies (such as the US dollar), have certain advantages in daily payments, particularly in cross-border transactions, exchange rate stability, and payment speed. They can avoid the issues of extreme price volatility associated with traditional cryptocurrencies (such as Bitcoin), making user spending or transfers more predictable. Additionally, the use of stablecoins can reduce transaction fees, which is especially attractive in scenarios that do not rely on the banking system. However, the widespread application of stablecoins still faces some challenges, such as regulatory policy uncertainty, low merchant acceptance, and high technical barriers. If breakthroughs can be made in compliance and convenience in the future, stablecoins have the potential to play a more significant role in everyday payments.