#空投防骗手册 Stablecoins, with their advantages of price stability, low cost, and efficient settlement, are gradually penetrating the daily payment sector. Their core applications include cross-border remittances (with fees more than 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 (reducing merchants' payment costs). For example, using USDT for cross-border transfers costs only $0.1, far lower than the $30-50 charged by 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, such as 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.