The stablecoin market in 2026 is undergoing a pivotal transformation. From being purely DeFi tools, they are gradually evolving into solutions that can truly replace traditional payments — and this is not hype, but a breakthrough starting at the infrastructure level.

Represented by a certain Layer 1 blockchain, a dedicated public chain designed specifically for stablecoin settlement is transforming the entire ecosystem. Sub-second finality, full EVM compatibility, combined with zero Gas USDT transfer mechanisms, these technological combinations are indeed changing the game. The Bitcoin-pegged security model reassures participants, while the neutral, censorship-resistant properties allow retail users and institutions to use USD stablecoins frictionlessly.

What is the reality? Over 30 leading exchanges and payment platforms have already integrated these solutions. The liquidity pool for USDT alone exceeds $1.1 billion, making the choice in the institutional stablecoin track very clear.

The most critical upgrade in experience is the simplification of payments themselves. Imagine: USDT transfers truly cost no Gas, stablecoins can be used directly to pay network fees, and users can scan QR codes to make purchases just like sending a WeChat message. Payment platforms like Rain and Oobit have already launched USDT payments, directly connecting to 150 million Visa merchants and over one million acceptance points worldwide. From cafes in Europe to street stalls in Southeast Asia, consumers no longer need complex currency exchange processes — swiping a card completes the transaction.

On the global receiving end, Holyheld provides IBAN and SEPA payment channels for individuals, covering billing scenarios in over 30 countries. LocalPay and Basal Pay are deepening their presence in Southeast Asia, with hundreds of thousands of merchants accepting USD₮. Vietnam, with 12 million tourists and a cross-border remittance market of up to $14 billion, is gradually going on-chain. MassPay connects merchants in over 200 countries, making instant payouts possible.

This infrastructure development is the true foundation for the widespread adoption of stablecoin payments.