Stablecoin adoption in P2P payment scenarios is significantly influenced by user education. A lack of understanding about stablecoins, their benefits, and how they function often hinders adoption. Many potential users are unfamiliar with blockchain technology or perceive it as complex, creating a barrier to entry. Educated users, aware of stablecoins’ stability, low transaction costs, and fast cross-border transfers, are more likely to adopt them for P2P payments. Financial literacy also plays a role—users who understand fiat volatility and the value of decentralized systems tend to trust stablecoins more. Educational initiatives, such as tutorials, workshops, or user-friendly platforms, can bridge this gap, increasing confidence and usage. For instance, regions with higher crypto literacy, like parts of Southeast Asia, show greater stablecoin adoption in P2P transactions. Conversely, limited access to educational resources in developing areas stifles growth.