Stablecoins offer superior settlement efficiency in e-commerce compared to traditional financial tools. Their blockchain-based nature enables near-instantaneous transactions, often settling within seconds, unlike credit cards or bank transfers, which can take days. Stablecoins reduce intermediary involvement, lowering transaction fees and eliminating chargeback risks. They operate 24/7, bypassing banking hours, and provide global accessibility without currency conversion delays. Additionally, stablecoins ensure price stability, mitigating volatility concerns for merchants and consumers. However, traditional tools like PayPal or wire transfers may still be preferred for their widespread acceptance and regulatory familiarity. Stablecoins’ efficiency shines in cross-border payments and digital-first platforms, streamlining e-commerce operations. (116 words)