Stablecoins, such as the #以太坊安全计划 , are gradually being used in daily payment scenarios due to their price stability and ease of transaction. Unlike highly volatile cryptocurrencies, stablecoins are typically pegged to the US dollar or other fiat currencies, making them more suitable as a medium of exchange. Currently, mainstream stablecoins like Tether (USDT) and USD Coin (USDC) are widely used for cross-border remittances, e-commerce payments, salary disbursements, and small transfers, particularly excelling in regions with high inflation such as Latin America and Africa. Some enterprises and fintech platforms have also begun to support stablecoin settlements, improving transaction efficiency and reducing fees. However, the widespread adoption of stablecoins still faces challenges such as regulatory uncertainty, compliance requirements, and technical barriers. In the future, as legal systems improve and technology becomes more widespread, stablecoins are expected to play a more important role in global daily payments.