Stablecoins正在徹底改變工資單，提供更快，更便宜和更透明的全球付款，但合規仍然是一個關鍵挑戰。

Stablecoins, Payroll, and Compliance: A New Era for Global Employment

Stablecoins，工資單和合規：全球就業的新時代

Stablecoins are shaking up the world of payroll, promising faster, cheaper, and more transparent global payments. But navigating the regulatory landscape is crucial.

Stablecoins正在振作起薪，更快，更便宜，更透明的全球支付世界。但是，導航監管格局至關重要。

The Rise of Stablecoin Payroll

穩定薪金的興起

Imagine paying your global workforce instantly and seamlessly, regardless of borders. That's the promise of stablecoin payroll. Companies like Rain, in partnership with Toku, are making this a reality. Their platform allows businesses to fund and settle payroll in stablecoins like USDC in real-time, all while adhering to local labor and tax laws in over 100 countries. It's a game-changer for international companies.

想像一下，無論邊界如何，都可以立即無縫地支付全球勞動力。這就是穩定薪資的承諾。像Rain這樣的公司與Toku合作，使這成為現實。他們的平台允許企業實時資助和解決像USDC這樣的Stablecoins的工資單，同時遵守100多個國家 /地區的當地勞工和稅法。這是國際公司的遊戲規則改變者。

This isn't just about speed; it's about access. Stablecoins can enable earned wage access, allowing employees to get paid as soon as they finish a job. Talk about a financial revolution!

這不僅僅是速度；這是關於訪問的。 Stablecoins可以使賺取的工資訪問能夠獲得工資，從而使員工能夠在完成工作後立即獲得報酬。談論金融革命！

Compliance: The Unsung Hero

合規：無名英雄

Of course, with great power comes great responsibility. Compliance is paramount. Companies like Toku integrate with existing payroll systems (ADP, Workday, Gusto) to ensure adherence to regulations. This allows companies to seamlessly adopt stablecoin payroll without getting bogged down in compliance nightmares. The partnership between Vouch and Toku further emphasizes the importance of streamlined risk and compliance infrastructure for crypto-native companies.

當然，擁有強大的力量造成了巨大的責任。合規性至關重要。像Toku這樣的公司與現有的工資系統（ADP，Workday，Gusto）集成在一起，以確保遵守法規。這使公司可以無縫採用穩定工資，而不會陷入合規噩夢中。代金券與Toku之間的伙伴關係進一步強調了簡化風險和合規基礎設施對加密本地公司的重要性。

BIS Skepticism and the Future of Stablecoins

雙重懷疑和穩定的未來

Not everyone is convinced. The Bank for International Settlements (BIS) raises concerns about stablecoins meeting the criteria for real money: singularity, elasticity, and integrity. They worry about price fluctuations and the potential for illicit use, particularly in unattended wallets. However, even the BIS acknowledges the advantages of programmability, pseudonymity, and ease of use, especially for cross-border payments. The key is strict regulation to mitigate the risks.

並不是每個人都相信。國際定居銀行（BIS）引起了人們對符合真實資金標準的穩定幣的擔憂：奇異性，彈性和正直。他們擔心價格波動和非法使用的潛力，尤其是在無人看管的錢包中。但是，即使是BIS也承認可編程性，化名和易用性的優勢，尤其是用於跨境支付。關鍵是嚴格調節以減輕風險。

My Take: Cautious Optimism

我的看法：謹慎的樂觀

I believe stablecoins have the potential to transform payroll and global finance, *if* we prioritize compliance and regulation. The Rain and Toku partnership is a great example of innovation that addresses real-world problems. As regulatory pressure mounts, companies that prioritize responsible practices will thrive. The GENIUS Act in the US, for example, aims to create clear rules for the sector, signaling a move towards greater acceptance and regulation.

我相信，如果我們優先考慮合規性和法規，則可以改變工資和全球財務。雨水和托庫夥伴關係是解決現實世界問題的創新的一個很好的例子。隨著監管壓力的增加，優先考慮負責任做法的公司將蓬勃發展。例如，在美國的《天才法》旨在為該行業創建明確的規則，這表明朝著更大的接受和監管邁進。

Looking Ahead

展望未來

The future of payroll is here, and it's powered by stablecoins. It's still early days, but the potential is undeniable. One thing's for sure: it's going to be an interesting ride. So buckle up, folks, and get ready for a financial revolution – responsibly, of course!

工資單的未來就在這裡，它是由穩定者提供支持的。現在還很早，但潛力是不可否認的。可以肯定的是：這將是一個有趣的旅程。因此，伙計們，搭扣，為一場金融革命做好準備 - 當然是負責任的！