Stablecoins like $USDC are gradually penetrating the daily payment field due to their advantages of price stability, low costs, and efficient settlement. Their core applications include cross-border remittances (with fees over 60% lower than traditional channels, and transfer times reduced from several days to just a few minutes), online consumption (such as e-commerce platforms and travel services accepting USDC payments), and small offline transactions (reducing payment costs for merchants). For example, using USDT for cross-border transfers costs only $0.1, far lower than bank wire transfer fees of $30-$50. Additionally, the smart contract features of stablecoins support automated payroll and supply chain settlements. Although user habits and regulatory compliance issues still need to be addressed, 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.