Imagine everyday scenes in 2026: you use stablecoins to scan and buy coffee, from account deduction to merchant receipt, all with zero fees and zero complicated operations. This is not a fantasy, but the reality being built by new Layer 1 projects.

The key innovation lies in the complete liberation of stablecoins. The pain points of traditional on-chain payments are very real—gas fee volatility, users needing to switch back and forth between mainstream tokens and stablecoins, with fees eating into micro-payment profits. Emerging projects break this deadlock by directly linking network fees to stablecoins like USDT. Southeast Asian migrant workers receiving remittances? Instant arrival with zero fees. Small merchants in Latin America daily accepting payments? Instant settlement without loss. African users wanting to access on-chain finance? No longer needing technical background—money is just money, so simple.

Implementation scenes are accelerating. Through partnerships with payment ecosystems like LocalPay, Basal Pay, Oobit, and others, users can now pay with stablecoins by scanning at millions of local merchants or use Visa cards for global spending. Specifically, Vietnamese tourists can directly exchange USDT for local fiat without a bank account, while Southeast Asian merchants receive stablecoin settlements instantly, fully avoiding exchange rate risks. Card service providers like Rain and Holyheld further connect the off-chain world. This design approach addresses real payment needs: not for technology’s sake, but to make ordinary people feel the convenience of on-chain finance most intuitively.