#稳定币日常支付 1. Global payment infrastructure upgrade: Stablecoins (such as USDC and USDT) are replacing traditional cross-border payment systems due to their low cost and near-instant settlement features. They are widely adopted in scenarios like corporate salaries and cross-border remittances, saving over 80% in fees and reducing settlement times from days to minutes.

2. Dual-driven compliance and technology: Regions like Japan and Singapore have clarified the compliant status of stablecoins through legislation (such as SBI VC Trade approval), and Circle launched the payment network CPN to reconstruct the SWIFT system with blockchain technology, lowering technological barriers.

3. Inclusive finance in emerging markets: In high-inflation areas like Latin America and Southeast Asia, stablecoins have become essential for personal savings and payments. The circulation of TRON USDT exceeds $70 billion, and the Gas Free transfer function supports over 14 million daily transactions in Africa.

4. Seamless integration of consumption scenarios: Platforms like Interlace support direct deductions via Visa/Mastercard through a "stablecoin + card payment" model, covering scenarios like e-commerce and travel, allowing users to consume without converting to fiat currency.

5. Risks and challenges: Regulatory differences (such as the EU MiCA), and the transparency of fiat reserves (USDC is superior to USDT) still need optimization, but technological iteration and ecological expansion have laid the foundation for mainstream adoption.