Stablecoins have certain advantages and application scenarios in daily payments, but they also face some challenges. Here is a related introduction:

Advantages

- Price Stability: Compared to cryptocurrencies like Bitcoin, stablecoins have a relatively stable value, usually pegged to fiat currencies (such as the US dollar) or other assets, which can effectively avoid payment risks caused by significant fluctuations in cryptocurrency prices.

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- Fast and Convenient: The payment process for stablecoins is usually quite fast, especially when the blockchain network is not heavily congested, allowing for instant transactions, and it is not restricted by traditional bank operating hours and geographical limitations, enabling payments anytime and anywhere.