Stablecoins are gradually being applied 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 such as Tether (USDT) and USD Coin (USDC) are widely used for cross-border remittances, e-commerce payments, salary disbursement, and small transfers, especially excelling in high-inflation areas such as Latin America and Africa. Some enterprises and fintech platforms have also begun to support stablecoin settlements to improve transaction efficiency and reduce fees. However, the widespread adoption of stablecoins still faces challenges such as regulatory uncertainty, compliance requirements, and technical barriers. In the future, with the improvement of the legal system and the popularization of technology, stablecoins are expected to play a more important role in global daily payments.