#稳定币日常支付 Global Payment Infrastructure Upgrade: Stablecoins (such as USDC and USDT) are replacing traditional cross-border payment systems thanks to their low cost and second-level settlement characteristics. They are widely adopted in scenarios such as enterprise payroll and cross-border remittances, saving over 80% in fees and reducing settlement times from several days to minutes.

2. Dual Drive of Compliance and Technology: Regions such as Japan and Singapore have clarified the compliance status of stablecoins through legislation (e.g., SBI VC Trade approval), and Circle has launched the payment network CPN to reconstruct the SWIFT system using blockchain technology, thereby lowering technical barriers.

3. Inclusive Finance in Emerging Markets: In high-inflation areas such as 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 feature has helped Africa achieve an average of 14 million transactions per day.

4. Seamless Integration of Consumption Scenarios: Platforms like Interlace support the “stablecoin + card payment” model, enabling direct deductions from Visa/Mastercard, covering e-commerce, travel, and other scenarios, allowing users to consume without exchanging for fiat currency.

5. Risks and Challenges: Regulatory differences (such as EU MiCA) and the transparency of fiat reserves (with USDC being better than USDT) still need optimization, but technological iteration and ecosystem expansion have laid the foundation for mainstream adoption.

Future Outlook: Stablecoins are evolving from a medium of exchange to payment infrastructure, and 2025 may become the inaugural year of “borderless finance.”