Stablecoins, as a type of cryptocurrency that is pegged to fiat currencies or other assets to maintain a relatively stable value, are gradually emerging in the field of everyday payments. In daily life scenarios, stablecoin payments demonstrate unique advantages. They break the geographical limitations of traditional payments, making cross-border transfers convenient and swift, almost achieving instant arrival, greatly improving the efficiency of capital flow and reducing international transaction costs. Moreover, with the help of blockchain technology, the payment process is relatively transparent and secure, with every transaction being traceable. However, stablecoin payments in daily life also face challenges. The regulatory environment is still unclear, and different countries and regions have varying attitudes towards them. At the same time, there are many types of stablecoins on the market, with varying quality, presenting credit risks from issuers and price volatility risks. Nevertheless, with technological development and regulatory improvement, stablecoins are expected to play a greater role in the field of everyday payments.