#稳定币日常支付 . Global payment infrastructure upgrade: Stablecoins (such as USDC, USDT) are replacing traditional cross-border payment systems due to their low cost and instant settlement characteristics. They are widely adopted in scenarios like corporate payroll and cross-border remittances, saving over 80% in fees, with settlement times reduced from several days to minutes.

2. Dual-driven compliance and technology: Regions like Japan and Singapore clarify the compliant status of stablecoins through legislation (e.g., SBI VC Trade approved), and Circle launched the payment network CPN to reconstruct the SWIFT system with blockchain, lowering technical barriers.

3. Inclusive finance in emerging markets: In high-inflation areas like Latin America and Southeast Asia, stablecoins have become a necessity for personal savings and payments. The circulation of TRON USDT exceeds $70 billion, and the Gas Free transfer feature helps Africa achieve an average of over 14 million transactions per day.

4. Seamless integration of consumption scenarios: Platforms like Interlace support direct deductions via Visa/Mastercard through a 'stablecoin + card payment' model, covering e-commerce, travel, and other scenarios, allowing users to consume without exchanging fiat currency.

5. Risks and challenges: Regulatory differences (e.g., EU MiCA) and transparency of fiat reserves (USDC is better than USDT) still need optimization, but technological iteration and ecological expansion have laid the foundation for mainstream adoption.