Stablecoins have significant expansion potential in global P2P lending. Their peg to stable assets like fiat reduces volatility, fostering trust among borrowers and lenders. This stability enables seamless cross-border transactions, bypassing traditional banking delays and high fees. In regions with limited financial infrastructure, stablecoins offer access to decentralized lending platforms, empowering unbanked populations. Blockchain transparency ensures secure, verifiable transactions, minimizing fraud risks. Data from DeFi platforms shows growing stablecoin-based lending, with billions in locked value. However, regulatory uncertainty and scalability challenges could hinder adoption. Clearer regulations and improved blockchain infrastructure could unlock further growth, making stablecoins a transformative force in P2P lending.