稳定币悄悄改变你的钱包！帮主郑重揭秘普通人必知的三大影响

Group 1 - The core viewpoint is that stablecoins are becoming an integral part of everyday financial transactions, influencing how people spend and save money [1] - Stablecoins facilitate cross-border transactions with lower fees and faster transfer times compared to traditional banking methods, as illustrated by a case where a transfer using USDT cost only $5 and took half an hour, compared to over $200 and three days via bank wire [3] - There are hidden risks in using stablecoins, such as "slippage" during transfers and potential freezing of bank accounts by financial institutions when users frequently transact with stablecoins [3][4] Group 2 - In countries with high inflation like Argentina, stablecoins are used as a means to preserve value, with individuals converting local currency to stablecoins to avoid devaluation [3] - Caution is advised when using stablecoins for savings, as past incidents like the collapse of TerraUSD highlight the risks associated with less established stablecoins [4] - Stablecoins are increasingly being accepted in e-commerce, providing cost advantages, but there are risks of fraud and counterfeit products, as evidenced by a case where a consumer received a fake luxury watch after paying with stablecoins [5] Group 3 - The use of stablecoins for salary payments is emerging, with some companies opting to pay bonuses in stablecoins to avoid taxes, which poses significant risks if the platform fails [5] - Recommendations for safe usage of stablecoins include trading only on compliant platforms, treating stablecoins as tools rather than investment assets, and questioning the necessity of using stablecoins for transactions [6]