Stablecoins can significantly reduce fees and time costs in cross-border payments. Unlike traditional methods, which involve high intermediary fees and delays of 1-5 days, stablecoins leverage blockchain for near-instant transfers with lower costs. Fees are often below 1%, compared to 3-7% for bank wires or remittance services. Stablecoins like USDT or USDC maintain price stability, minimizing volatility risks during transactions. However, challenges like regulatory uncertainty and limited merchant adoption may hinder widespread use. Overall, stablecoins offer a cost-effective, faster alternative for global payments.