#稳定币日常支付 stablecoin is a type of cryptocurrency that is pegged to a specific asset or anchor, designed to maintain relatively stable value, suitable for everyday payments, with the following characteristics and applications:

Characteristics

- Value Stability: Unlike highly volatile cryptocurrencies like Bitcoin, stablecoins control value fluctuations by pegging to fiat currencies (such as the US dollar) or other assets, making them easier to use as a measure of value and payment means in daily transactions.

- Convenient Transactions: Based on blockchain technology, transactions with stablecoins can be completed quickly, especially in cross-border payments, saving the cumbersome procedures and long waiting times of traditional bank transfers.

- Lower Costs: In some small-scale cross-border payment scenarios, using stablecoins can reduce transaction fees.

Application Methods

- Online Shopping: Some e-commerce platforms have started accepting stablecoin payments, allowing consumers to settle purchases directly using stablecoins.

- Cross-Border Remittances: Individuals or businesses can exchange fiat currency for stablecoins when making cross-border remittances, quickly sending them abroad; the recipient can then convert the stablecoins back into local fiat currency, significantly improving remittance efficiency and reducing costs.

- Offline Consumption: Some merchants support stablecoin payments by collaborating with payment platforms. Consumers can pay for goods and services using stablecoins through methods such as scanning QR codes.

However, the widespread use of stablecoins in everyday payments still faces some challenges, including uncertainties in regulatory policies and the need to improve market acceptance.