The application of stablecoins like USDC in daily payments is increasingly growing due to their price stability, fast transactions, and low costs, becoming a bridge between traditional finance and the crypto economy. USDC is anchored to the US dollar at a 1:1 ratio, offers high transparency, and is suitable for small payments, cross-border transfers, and online shopping. Currently, platforms such as Coinbase and Stripe support USDC payments, covering e-commerce, subscription services, and peer-to-peer transfers. On-chain USDC transactions on Ethereum, Solana, and other chains have fast confirmation times and lower gas fees, which are superior to traditional bank cards or PayPal. Discussions on platform X show that users are particularly optimistic about its adoption potential in emerging markets (such as Latin America and Africa), as it avoids the volatility risk of fiat currencies. However, centralized stablecoins face regulatory uncertainties that may affect large-scale adoption; privacy issues and the transparency of on-chain transactions have also sparked controversy. In decentralized payment scenarios, USDC needs to compete with DAI and others. Overall, USDC demonstrates convenience in daily payments, making it suitable for users who prioritize efficiency, but its widespread adoption requires broader merchant support and clearer policies. It is recommended that users choose trustworthy platforms, pay attention to transaction security, and assess its applicability based on actual needs.