币界网报道：This article reviews the historical evolution of monetary payment methods, from the rise of check payments in New York in the 19th century, to the cumbersome process of interbank settlement through gold and silver coins, to the establishment of the New York Clearing House in 1853, which achieved multilateral settlement and greatly improved payment efficiency. Subsequently, banks introduced paper certificates backed by gold, further accelerating the flow of funds. Modern payment systems such as Fedwire and CHIPS achieve almost instant settlement of funds, but are still limited to specific financial institutions and working hours. Stablecoins, as an emerging digital currency, are expected to break these limitations and achieve 24/7 permissionless digital dollar transfers around the world. Amazon and Walmart are considering issuing their own brand stablecoins, indicating that stablecoins may become the next major leap in payment methods and drive faster economic development.