Stablecoin payments combine the speed of digital currencies with the value stability associated with real assets. They are used for international money transfers, commercial payments, and salaries, with low costs and fees and a simple digital infrastructure.

Key Points

1. Price Stability: Tied to assets like the dollar, avoiding the volatility of traditional cryptocurrencies.

2. Speed and Efficiency: Transactions occur within seconds or minutes, compared to days in the banking system.

3. Low Costs: Lower fees, especially for international transfers.

4. Financial Inclusion: Expands access to financial services for the unbanked.

5. Challenges: Varying regulations between countries, and the need for trust and transparency in support mechanisms.