#稳定币日常支付 #稳定币日常支付 1. Cross-Border Payments and Remittances

◦ Low Cost and High Efficiency: Stablecoins achieve real-time settlement (from a few seconds to a few minutes) through blockchain, with transaction fees as low as $0.1, far below the $30-50 fees and several days processing time of traditional bank wire transfers. For example, Filipino workers can transfer money to their families back home using USDT, with fees only a few cents.

◦ Breaking Financial Blockades: Sanctioned regions (such as Iran) can bypass the SWIFT system and complete international transactions directly using stablecoins.

2. E-Commerce and Retail Payments

◦ Increased Merchant Acceptance: Platforms such as Shopify and European online stores have integrated USDC/USDT payments, reducing currency conversion costs (such as avoiding 2%-3% credit card fees).