Stablecoins, as a type of cryptocurrency that is pegged to fiat currencies or other assets to maintain relatively stable value, are gradually emerging in the field of daily payments.

In everyday life scenarios, stablecoin payments exhibit unique advantages. They break the geographical limitations of traditional payments, allowing for convenient and rapid cross-border transfers, almost achieving instant arrival, greatly improving the efficiency of fund circulation and reducing international transaction costs. Moreover, with the help of blockchain technology, the payment process is relatively transparent and secure, and every transaction can be traced.

However, stablecoin payments in daily life also face challenges. The regulatory environment is still unclear, and different countries and regions have varying attitudes towards it. At the same time, there are numerous types of stablecoins in the market, with varying quality, posing credit risks from issuers as well as price volatility risks. Nevertheless, with technological advancements and regulatory improvements, stablecoins are expected to play a greater role in the field of daily payments.