Stablecoins are gradually becoming a powerful tool for daily payments, especially showing significant advantages in scenarios such as cross-border transfers, micropayments, and on-chain salaries. Compared to traditional banking systems, stablecoins, based on a blockchain peer-to-peer network, can bypass expensive intermediaries, achieving lower transaction costs. For example, using USDT (the TRC-20 version based on the Tron chain) for cross-border transfers can incur transaction fees as low as $0.1, while traditional bank wire transfer fees typically range from $30 to $50 and may take several days to settle. The confirmation time for stablecoin payments is usually between a few seconds to a few minutes, greatly enhancing the liquidity of funds.