In the current wave of digital transformation, the integration of the traditional financial industry and the virtual currency ecosystem has become an irreversible trend. Stablecoins, as bridge assets in the realm of virtual currencies, are particularly suitable for daily payments and cross-border transactions due to their stable value characteristics, presenting innovation opportunities for banks and financial holding companies. If stablecoin technology can be integrated, traditional finance can enhance transaction efficiency, reduce service costs, and further expand financial services to undeveloped or digitally native customer groups. At the same time, banks' advantages in regulatory compliance and risk control can provide higher trust thresholds and formal development for virtual assets. In the future, stablecoins will not only serve as payment tools in the crypto market but may also become a part of the traditional financial system, promoting the upgrade of financial infrastructure and achieving a more immediate, secure, and inclusive payment experience.