Stablecoins such as #稳定币日常支付 have opportunities and challenges for everyday payments. On one hand, stablecoins have advantages like fast transactions, convenient cross-border payments, and low fees. Mainstream stablecoins like USDT and USDC can achieve second-level transfer settlements, breaking through the time and cost limits of traditional cross-border payments. In some online virtual goods trading scenarios, they have become an efficient payment method.