Stablecoins like #空投发现指南 are gradually penetrating the daily payment sector thanks to their price stability, low cost, and efficient settlement advantages. Their core applications include cross-border remittances (with fees over 60% lower than traditional channels, and transfer times reduced from several days to a few minutes), online consumption (such as e-commerce platforms and travel services accepting USDC payments), and small offline transactions (which lower payment costs for merchants). For example, the fee for cross-border transfers using USDT is only $0.1, far below the $30-50 of bank wire transfers. Additionally, the smart contract features of stablecoins support automated payroll distribution and supply chain settlement. Although there are still challenges to address regarding user habits and regulatory compliance, their performance in financial inclusion (covering unbanked populations) and inflation resistance (in markets like Argentina and Turkey) highlights their potential. In the future, as institutions like Visa and Stripe integrate stablecoin payments, their everyday application scenarios will further expand.