Stablecoins offer opportunities and risks for everyday payments. Their advantages include convenience in transactions, low costs, and no geographical restrictions, making them efficient in scenarios like cross-border payments. However, they also face challenges such as lack of regulation and trust issues caused by market volatility, which may lead to asset losses for users. Additionally, anonymity can facilitate illegal activities such as money laundering. Currently, the adoption of stablecoins for everyday payments is limited, and it is necessary to improve the regulatory framework to balance innovation and risk for safe and healthy development.