According to online reports, Liu Peng, CEO of Jingdong CoinLink Technology, recently accepted an exclusive interview with Bloomberg Businessweek/Chinese Edition that mobile payments have comprehensively surpassed cash in terms of transaction number, user coverage and scenario penetration in just five years. One of the core drivers is the low-cost popularization of QR codes. It may be too absolute to say that stablecoins can replace the current financial infrastructure 100%, but there are indeed many real financial service scenarios that will undergo drastic changes. From the perspective of To B, bulk transactions may be the first to accept stablecoins, especially in cross-border payment scenarios with high friction costs, large exchange rate fluctuations, and long periods of time; from the perspective of To C, to completely stimulate users 'motivation to use stablecoins to pay, it may be necessary to phenomenon-level products and applications like "WeChat Red Envelope" in "Weixin Pay".