The use of stablecoins #稳定币日常支付 for daily payments has its advantages and disadvantages. The advantages include fast transaction speeds, low fees, and more convenient cross-border payments, as well as relatively stable prices which can reduce transaction risks. However, the regulatory environment is complex, there are compliance disputes, and some stablecoins have insufficient reserve transparency, which may lead to a crisis of trust and even be used for illegal financial activities. Large-scale application requires improved regulation and technical safeguards.