Stablecoins refer to the use of stablecoins, such as USDT or USDC, in payments and financial transfers. These currencies are characterized by their stable value linked to assets like the US dollar, which reduces price volatility. Payments using stablecoins enable fast transfers, low costs, and global availability around the clock, without the need for traditional intermediaries. They are used by individuals and businesses for international transfers, payroll, and commercial transactions. This type of payment is an ideal option in the modern digital economy, as it combines the security of traditional currencies with the speed of financial technology.