#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 enable real-time transactions (from seconds to minutes) through blockchain, with fees as low as $0.1, significantly lower than traditional bank wire transfers costing $30-50 and taking days to process. For example, Filipino workers can transfer money to their families back home using USDT, with fees only a few cents.

◦ Breaking Financial Blockades: Regions under sanctions (like Iran) can bypass the SWIFT system and complete international transactions directly through stablecoins.

2. E-Commerce and Retail Payments

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

◦ Expanded Consumer Choices: Users can shop on global e-commerce platforms using stablecoins, without being restricted by local payment tools or exchange rate fluctuations.

3. Salary and Freelance Payments