This article reviews the historical evolution of currency payment methods, from the rise of check payments in 19th century New York, to the cumbersome process of interbank settlements using gold and silver coins, and then to the establishment of the New York Clearing House in 1853, which achieved multilateral settlements and significantly improved payment efficiency. Subsequently, banks introduced paper vouchers backed by gold, further accelerating the flow of funds. Modern payment systems such as Fedwire and CHIPS have achieved nearly instantaneous fund settlements, but are still limited by specific financial institutions and working hours. Stablecoins, as an emerging digital currency, are expected to break these limitations and enable permissionless digital dollar transfers globally 24/7. Amazon and Walmart are considering issuing their own branded stablecoins, indicating that stablecoins may represent the next major leap in payment methods, driving faster economic development.