富蘭克林啟動薪資庫收益產品針對業務的產品

富蘭克林（Franklin）是一家混合現金和加密貨幣薪資提供商，他正在發起一項新計劃，旨在將空閒的工資單變為收益率的機會。

Franklin, a hybrid cash and crypto payroll provider, is launching a new initiative that aims to turn idle-sitting payroll into an opportunity for yield.

富蘭克林（Franklin）是一家混合現金和加密貨幣薪資提供商，他正在發起一項新計劃，旨在將空閒的工資單變為收益率的機會。

The new solution, dubbed Payroll Treasury Yield, uses blockchain lending protocols to help firms earn returns on payroll funds that would otherwise sit idle, the company told Cointelegraph in an exclusive statement.

該公司在獨家聲明中告訴Cointelegraph，新的解決方案稱為工資金庫收益率，使用區塊鏈貸款協議來幫助公司賺取薪資基金的回報。

Franklin said its new offering integrates Summer.fi, a decentralized finance (DeFi) lending platform, to allow companies to deposit stablecoin-denominated payroll reserves into smart contract-based lending pools. These funds are lent to vetted borrowers, and companies earn yields while retaining access to their capital. Companies maintain full custody throughout the process, and the smart contracts used are audited to reduce risk.

富蘭克林（Franklin）表示，其新產品集成了Summer.fi，Fi，這是一個分散的財務（DEFI）貸款平台，允許公司存入以StableCoin計數的薪資儲備存入基於智能合同的貸款池中。這些資金借給了審查的借款人，公司在保留其資本的同時賺取收益率。公司在整個過程中保持全部監護權，並審核使用的智能合約以降低風險。

“The problem that Franklin solves for is two-fold,” Megan Knab, founder and CEO of Franklin, told Cointelegraph. For companies that have already integrated crypto onto their balance sheets, Franklin helps them use those assets to manage their operations.

富蘭克林（Franklin）的創始人兼首席執行官梅根·納布（Megan Knab）告訴Cointelegraph：“富蘭克林解決的問題是兩個方面的問題。”對於已經將加密貨幣集成到資產負債表上的公司，富蘭克林可以幫助他們使用這些資產來管理其運營。

“But for the broader market, we are enabling business models of the future, where money moves instantly, more intelligently, and to more globally relevant parties.”

“但是對於更廣泛的市場而言，我們正在實現未來的商業模式，金錢立即，更聰明地轉移到更全球相關的政黨。”

A new initiative by Franklin aims to help companies generate yield on payroll funds using blockchain lending protocols. Credit: Franklin

富蘭克林（Franklin）的一項新計劃旨在幫助公司使用區塊鏈貸款協議為薪資基金產生收益。圖片來源：富蘭克林

According to Franklin, its new offering is a viable alternative to traditional treasury tools like sweep accounts or T-bills, which often involve operational complexity and limited returns.

富蘭克林認為，其新產品是傳統國庫工具（如掃描帳戶或T-bills）的可行替代品，通常涉及運營複雜性和有限的回報。

Furthermore, it differentiates from earned wage access (EWA) platforms, which enable employees to access their earned wages before their scheduled payday by engaging in installment loans that accrue interest and fees. These platforms aim to help workers avoid additional debt and associated costs.

此外，它與賺取的工資訪問（EWA）平台區分開來，該平台使員工能夠在預定的發薪日之前通過支付累積利息和費用的分期付款貸款來訪問其賺取的工資。這些平台旨在幫助工人避免額外的債務和相關成本。

“Traditional payments in the next decade will run entirely on public blockchain rails as a wholesale replacement to ACH and SWIFT,” Knab noted.

納布指出：“在未來十年中，傳統的付款將完全在公共區塊鏈鐵軌上運行，作為ACH和Swift的批發替代者。”

If onchain payroll products go mainstream, she added, banks could fade into the background. While technology may replace many banking functions with self-custody tools and smart contracts, regulatory frameworks will still require accountable legal entities. The result may be “zombie-like institutions” — banks in name only, existing to meet compliance rules but playing a minimal role in actual payment processing.

她補充說，如果OnChain Payroll產品成為主流產品，銀行可能會淡入背景。儘管技術可以用自我顧客工具和智能合約代替許多銀行職能，但監管框架仍然需要負責任的法律實體。結果可能是“類似殭屍的機構”（僅以名義的銀行，以符合合規規則，但在實際的付款處理中起著最小的作用。

However, decentralized lending comes with inherent risks such as smart contract vulnerabilities and market fluctuations. To mitigate these, Franklin explained that it will use Summer.fi’s meticulously audited smart contracts and overcollateralized lending to ensure maximal safety for participating companies.

但是，分散的貸款具有固有的風險，例如智能合同脆弱性和市場波動。為了減輕這些方法，富蘭克林解釋說，它將使用Summer.fi經過精心審核的智能合約和過度貸款，以確保參與公司的最大安全性。

As interest in yield-generating strategies continues to rise in the cryptocurrency sector, Solv Protocol recently launched a yield-bearing Bitcoin token on the Avalanche blockchain. This move is designed to provide institutional investors with greater exposure to yield opportunities backed by real-world assets (RWAs).

隨著加密貨幣領域對產生產生策略的興趣繼續增加，SOLV協議最近在雪崩區塊鏈上推出了託管比特幣代幣。此舉旨在為機構投資者提供更大的曝光率，從而獲得現實世界資產（RWA）支持的機會。

In a May 1 statement, Ryan Chow, co-founder and CEO of Solv Protocol, highlighted the surging demand for yield-generating strategies around Bitcoin, especially from firms seeking liquidity without resorting to liquidate their BTC.

SOLV協議的聯合創始人兼首席執行官Ryan Chow在5月1日的聲明中強調了對比特幣周圍產生產生策略的需求，尤其是來自尋求流動性而無需訴諸於清算其BTC的公司。