Stablecoins for Daily Payments: Stablecoins linked to fiat currencies (such as USDT, USDC) enable fast, low-cost transactions, suitable for scenarios like cross-border transfers, online shopping, and micro-payments. Their advantages include price stability, decentralized settlement, and programmability through smart contracts, but they face challenges such as regulatory uncertainty, technical barriers, and low merchant acceptance. Currently, platforms like PayPal and Solana Pay support stablecoin payments, and their application scope is expected to further expand with Layer 2 scaling and improved regulations in the future.