Stablecoins are a type of digital asset whose value is aligned with fiat currency, thus demonstrating numerous advantages in the realm of everyday payments. Compared to highly volatile cryptocurrencies, stablecoins provide a more stable value foundation, allowing users to feel more secure when making transfers or purchases. Additionally, during cross-border payments, they can reduce the risks and costs associated with currency exchange and accelerate the efficiency of fund circulation. Not relying on traditional financial institutions also makes them a new payment option with lower fees and flexible operations. With the proliferation of blockchain technology, the application prospects of stablecoins in the digital economy are also increasingly broad.