In 2025, the application of stablecoins in everyday payments experienced explosive growth, gradually transforming from a cryptocurrency trading tool into a core component of global financial infrastructure. Cross-border payments for businesses and retail consumption became the two main scenarios: multinational companies widely adopted dollar stablecoins like USDC and USDT to pay salaries, reduce fees, and accelerate settlements, especially in inflation-stricken regions of Latin America and Southeast Asia; consumers completed instant settlements for electricity bills, phone bills, and even international flight tickets using stablecoins through QR code payments or on-chain wallets, with fees only one-fifth of traditional methods. The improvement of regulatory frameworks (such as the U.S. Stablecoin Act and the EU MiCA Act) enhanced compliance and trust, while technological innovations like the Lightning Network and Taproot Assets protocol further addressed payment efficiency and cost issues, promoting the adoption of stablecoins in "high-frequency small-value" scenarios. Despite still needing to address liquidity risks and technical security challenges, stablecoins have gradually become a practical bridge connecting traditional finance and the digital economy.