#稳定币日常支付 DS Random Writing Stablecoins are quietly taking over our wallets. Buying coffee for breakfast with USDT, paying for takeout with PAY for lunch, and giving tips to influencers with FDUSD at night—this lifestyle has already become routine in Dubai and Singapore. The most shocking thing is that the Hong Kong subway suddenly supports USDC for ticket purchases. When passing through that green gate, there’s a "beep" sound, backed by the cross-border clearing network established by Circle and Alipay. But the reality is harsh; every small payment gets hit with three layers of fees: exchange withdrawal fees, on-chain Gas fees, and merchant settlement fees, making the actual cost 30% more expensive than using a credit card.