Stablecoins, with their price stability, low costs, and efficient settlement advantages, are gradually penetrating the everyday payment sector. Their core applications include cross-border remittances (with fees over 60% lower than traditional channels, and transaction times reduced from days to minutes), online consumption (such as e-commerce platforms and travel services accepting USDC payments), and offline small transactions (reducing merchant payment costs). For example, using USDT for cross-border transfers costs only $0.10, far less than the $30-$50 charged for bank wire transfers. Additionally, the smart contract features of stablecoins support automated payroll distribution and supply chain settlements. Although there are still challenges to address regarding user habits and regulatory compliance, their potential in financial inclusion (reaching unbanked populations) and inflation resistance (in markets like Argentina and Turkey) is evident. In the future, as institutions like Visa and Stripe integrate stablecoin payments, their everyday application scenarios will further expand.