Stablecoin daily payments have shown explosive growth, with global daily transaction volume exceeding $18 billion in Q1 2025 (up 315% year-on-year). USDC dominates enterprise-level scenarios due to its compliance advantages, with cross-border remittance costs decreasing by 87% compared to traditional methods; USDT has achieved a 63% market share in offline payments in emerging Southeast Asian markets. Technical bottlenecks remain, with Visa testing indicating that stablecoin payment confirmation times need to be optimized to under 2 seconds. On the regulatory front, the EU's MiCA legislation has increased merchant acceptance, but the U.S. 'Stablecoin Bill' has been postponed for a vote until 2026, creating policy uncertainty that limits large-scale adoption.