In 2025, the application of stablecoins in daily payment fields has significantly increased, especially in cross-border transactions and retail consumption. Businesses are widely adopting dollar stablecoins like USDC and USDT to pay salaries, reducing the cost of cross-border payments and enhancing efficiency, with Latin America and Southeast Asia becoming major adopters due to inflation and banking restrictions. The retail industry is also accelerating the integration of stablecoin payments, with merchants in places like Seoul and Milan supporting stablecoin consumption, while the UAE and Singapore are further incentivizing merchants to accept digital currencies through policies.

The improvement of the regulatory environment further promotes adoption, with clear regulations being introduced in regions such as the European Union and the United States, enhancing market confidence. At the same time, institutions like MetaComp have launched innovative payment platforms such as StableX, optimizing stablecoin foreign exchange settlements. As traditional payment giants like Visa and Mastercard integrate stablecoins, their transaction volumes have surpassed traditional card networks, becoming an important part of the global financial system. Stablecoins are evolving from crypto assets into core tools for everyday payments.