#稳定币日常支付

1. Payment Advantages

• Stablecoin payments are based on a blockchain peer-to-peer network, independent of traditional banks, bypassing intermediaries, resulting in extremely low transaction costs. For example, the cross-border transfer fee for USDT is as low as $0.1, while traditional bank wire transfers typically cost $30-50 and take several days, whereas stablecoin payment confirmation takes only a few seconds to a few minutes.

• Price stability, usually pegged 1:1 to fiat currencies like the US dollar, with very low volatility (within ±0.5%), making it suitable for daily transactions and merchant receipts, avoiding the high volatility risks of cryptocurrencies.

2. Financial Inclusion

• Anyone with internet access and a digital wallet can use stablecoin payments, greatly lowering the financial entry barrier, especially in regions like Africa, Southeast Asia, and Latin America, helping unbanked populations access payment and deposit services.

3. Cross-Border Payment Efficiency

• Stablecoins achieve real-time settlement, with low payment costs, reducing cross-border payment time from several days to a few minutes, and supporting 7-day round-the-clock transactions.

• Businesses use stablecoins to simplify invoicing and payment processes, enhance overall financial efficiency, manage multi-currency cash flows, and facilitate payments for international employees and suppliers.

4. Security and Transparency

• Blockchain technology ensures transactions are auditable and verifiable, with self-custody of funds, enhancing payment security and transparency.

• For example, institutional-grade stablecoins like JPM Coin leverage blockchain technology to enable instant transfers and payments between enterprises, improving transaction speed and security.

5. Cost Reduction and Market Scale

• Transaction costs have significantly decreased due to upgrades in blockchain infrastructure, with some on-chain transaction fees as low as a few cents or even lower, reducing the usage threshold.

• In the second quarter of 2024, stablecoin transaction volume reached $85 trillion, with over 1.1 billion transactions, double the transaction volume of VISA during the same period, demonstrating its significant position in digital payments.

6. Development Trends and Challenges

• Stablecoins are becoming the foundation of digital payments, driving a new era of borderless finance, but attention still needs to be paid to regulatory compliance and financial transparency issues.

• The combination of Central Bank Digital Currencies (CBDCs) and multilateral digital currency bridges may further enhance the capacity and stability of stablecoins in cross-border payments.

In summary, stablecoins are gradually reconstructing the traditional payment system with core advantages of low cost, high efficiency, price stability, and global inclusiveness in everyday payments.