Stablecoins, as a type of cryptocurrency, are gradually becoming an ideal choice for everyday payments due to their price stability. Unlike highly volatile digital currencies such as Bitcoin, stablecoins are usually pegged to fiat currencies like the US Dollar or assets like gold, ensuring relative stability in value. Users can quickly complete cross-border transfers, online shopping, or offline consumption through mobile wallets, with low fees and fast transaction times. Especially in regions with severe inflation, stablecoins can effectively preserve value and avoid the risk of local currency depreciation. As merchant acceptance increases and regulatory frameworks improve, stablecoin payments are expected to become one of the mainstream financial tools of the future.