In 2025, the breakthrough development of stablecoins in daily payments has become an undeniable trend. Its core advantages lie in **low volatility, fast settlement, and global inclusivity**, making it especially suitable for high-frequency, small-value transactions and cross-border scenarios. For example, retailers in regions like South Korea and Italy have integrated stablecoin payments through QR codes, allowing users to make purchases without needing a bank account. Regulatory frameworks in places like the United States and Singapore are gradually improving (such as the "STABLE Act" and the "Genius Act"), requiring 1:1 reserves and anti-money laundering compliance, enhancing market trust, but may also lead to market centralization due to strict issuance thresholds, suppressing innovations like algorithmic stablecoins.

In practical applications, fields such as corporate salary payments, utility bill payments, and cross-border remittances have widely adopted stablecoins. For instance, Chinese users can pay international bills using USDT through compliant platforms, with transaction fees being only 1/5 of traditional methods, and funds are available instantly, 24/7. The Singapore payment platform Dtcpay even announced that by 2025 it will only support stablecoin payments to reduce volatility risks and enhance efficiency. On the technical side, the combination of the Lightning Network and Taproot Assets protocol further reduces transaction costs, making stablecoins more competitive for small payments.

However, risks still exist. Regulatory uncertainties (such as the controversy over political-related projects in U.S. legislation) and private key management vulnerabilities may impact user confidence. Overall, stablecoins are becoming a bridge between traditional finance and the crypto world, but their long-term success requires balancing innovation incentives with risk management, while also relying on technological iterations and global regulatory cooperation.