Want to use cryptocurrency for daily payments? First, understand which coins are truly suitable for this scenario. What is the ideal state of crypto payments? Low fees, fast confirmation, stable prices (at least at the time of payment), and the ability to cover online and offline, large and small transactions. Today, let's discuss the main players in this field.

**Bitcoin (BTC) is a special existence**. As the pioneer of cryptocurrencies, its early positioning was "peer-to-peer electronic cash," but reality has been tough—block space is tight, fees often skyrocket, and confirmation speeds are not fast. Now, it is more regarded as a store of value, although some merchants still accept BTC payments, but using it to buy breakfast seems a bit impractical.

**Litecoin (LTC) is the true successor to Bitcoin in the payment field**. It generates blocks much faster than BTC, has lower fees, and its adoption in practical payment applications has surpassed Bitcoin. Especially in cross-border transfer scenarios, LTC's speed and low cost make it the preferred choice for many.

**Dogecoin (DOGE) shouldn't just be seen as a joke**. Transactions confirm quickly, fees are almost negligible, and with the community's continued enthusiasm over the years, more online merchants and payment platforms are starting to support DOGE. You'll find it has unique advantages in payment convenience.

**Stablecoins are the real protagonists in payment scenarios**. Tether (USDT), pegged to the US dollar, has minimal price fluctuations and acts as a "transit station" in crypto payments. In cross-border payments, USDT's usage rate is astonishingly high because it can completely avoid the crazy price volatility of mainstream cryptocurrencies. USDC follows a similar route but with stronger compliance, and more institutions and payment service providers prefer USDC over USDT, especially in business scenarios requiring stable settlement.

**Ripple (XRP) specializes in cross-border interbank transfers**. It offers extremely fast transaction speeds and very low costs. The company itself has deep collaborations with many financial institutions, and XRP's application mainly focuses on large-scale cross-border payments.

**Celo has made a clever innovation**—using phone numbers or email addresses to send and receive crypto payments, completely eliminating the need for users to remember complex wallet addresses. This step is highly significant for ordinary users. Coupled with its stablecoins and high-speed, low-cost transactions, Celo is especially suitable for real-world scenarios of small, frequent daily payments, combining the convenience of crypto payments with practicality.

Overall, choosing which payment coin depends on your specific needs. Large cross-border transactions? Look at XRP. Daily small payments and convenience? Try Celo or DOGE. Need to hedge against price risks? Stablecoins are a must. There is no absolute "best," only the most suitable.