#稳定币日常支付 1. Cross-Border Payments and Remittances

◦ Low Cost and High Efficiency: Stablecoins enable real-time transactions (from a few seconds to a few minutes) through blockchain, with fees as low as $0.1, significantly lower than the $30-50 fees and several days processing time of traditional bank wire transfers. For example, workers from the Philippines can transfer money to their families back home using USDT, with fees only a few cents.

◦ Breaking Financial Blockades: Sanctioned regions (such as Iran) can bypass the SWIFT system and conduct international transactions directly with stablecoins.

2. E-Commerce and Retail Payments

◦ Increased Merchant Acceptance: Platforms like Shopify and European online stores have integrated USDC/USDT payments, reducing currency exchange costs (such as avoiding 2%-3% credit card fees).

◦ Expanded Consumer Choices: Users can shop on global e-commerce platforms using stablecoins without being limited by local payment tools or fluctuations in exchange rates.

3. Salary and Freelance Payments

◦ Instant Settlement: Businesses can automatically pay salaries through smart contracts (such as monthly payments), and freelancers can receive stablecoins like USDT instantly, avoiding delays in traditional settlements.

◦ Convenience in Cross-Border Employment: Multinational teams can pay salaries in stablecoins, reducing foreign exchange conversion steps and fees.

4. Travel and Daily Consumption

◦ Travel Payment Scenarios: Merchants in places like Dubai and Thailand accept USDT payments, allowing tourists to avoid credit card currency conversion fees.

◦ Trend Towards Cashlessness: In regions with high inflation (such as Argentina), stablecoins have become a daily payment tool replacing fiat currency.