The application of stablecoins in daily payments is gradually increasing, and their price stability (usually pegged to fiat currencies) and the convenience of blockchain technology make them a supplement to traditional payment methods. Below is a detailed analysis of stablecoin daily payments:

1. Advantages of Stablecoin Payments

1. Low Transaction Costs

- In cross-border payments, traditional bank fees are high and time-consuming; stablecoins can achieve almost real-time transfers through blockchain networks, with fees usually below $1.

- For example: remitting money overseas via USDC (USD stablecoin) costs far less than a SWIFT transfer.

2. No Geographical Restrictions

- Stablecoins are not subject to regional or foreign exchange controls, making them particularly suitable for scenarios such as cross-border trade and remittances from overseas workers.

3. 24/7 Availability

- Traditional banking systems are limited by business days, while stablecoin payments can be conducted around the clock, improving efficiency.

4. Privacy and Security

- Blockchain technology ensures that transactions are transparent and immutable; some stablecoins support anonymous payments in compliance with local regulations.