HESTA、ANZ 试点使用 A$DC 稳定币作为发薪日养老金

HESTA 和 ANZ 正在研究该银行的稳定币是否可以让这个行业超级巨头遵守政府的发薪日超级规则

Superannuation giant HESTA and ANZ are looking at using the bank’s stablecoin to help the industry fund comply with the government’s payday superannuation rules, a move that will more than double the volume of payments super funds receive from employers.

养老金巨头 HESTA 和 ANZ 正在考虑使用该银行的稳定币来帮助行业基金遵守政府的发薪日养老金规则，此举将使养老金基金从雇主处收到的付款量增加一倍以上。

ANZ, which created a digital version of a deposit, known as the A$DC, early last year, has been exploring applications in wholesale markets together with the Reserve Bank. One of the benefits of digital currencies is the ability to attach data to a payment and move both at the same time.

澳新银行去年初创建了一种名为 A$DC 的数字存款版本，一直在与储备银行一起探索在批发市场的应用。数字货币的好处之一是能够将数据附加到付款并同时移动。

The thinking at HESTA and ANZ is that the stablecoin could carry details of an employee’s TFN and superannuation account, allowing the industry fund to automate the processing of payments and avoid having to chase employers for missing details.

HESTA 和 ANZ 的想法是，稳定币可以携带员工的税号和退休金账户的详细信息，从而使行业基金能够自动处理付款，并避免向雇主追查丢失的详细信息。

The government’s payday super rules, which will come into effect from mid-2025, will require employers to pay superannuation contributions into an employee’s nominated account on a pay cycle, rather than quarterly as is the case now.

政府的发薪日养老金规则将于 2025 年中期生效，将要求雇主按工资周期向雇员指定的账户缴纳养老金，而不是像现在那样按季度缴纳。

The change will lift the volume of payments super funds receive from 40 million a year to 110 million, and funds are concerned about the extra administrative burden and the potential for employers to make mistakes.

这一变化将使退休金基金每年收到的付款额从 4000 万美元增加到 1.1 亿美元，基金公司担心额外的行政负担和雇主犯错误的可能性。

The stablecoin project is one of several initiatives being undertaken by HESTA and ANZ to explore new technologies and improve the efficiency of the superannuation system.

该稳定币项目是 HESTA 和 ANZ 为探索新技术和提高退休金系统效率而采取的多项举措之一。

The two parties are also working on a project to use artificial intelligence to automate the processing of death benefit claims, and another initiative to use blockchain technology to create a digital superannuation statement that can be easily accessed by members.

双方还正在开展一个项目，利用人工智能自动处理死亡抚恤金索赔，以及另一项利用区块链技术创建会员可以轻松访问的数字养老金报表的计划。

HESTA chief operating officer Kate Sparkes said the fund was keen to explore new technologies that could help it improve the member experience and reduce costs.

HESTA 首席运营官 Kate Sparkes 表示，该基金热衷于探索新技术，以帮助其改善会员体验并降低成本。

“We’re always looking for ways to make it easier for members to get their super paid on time and in full, and to reduce the administrative burden on employers,” she said.

“我们一直在寻找方法，让会员更容易按时足额领取退休金，并减轻雇主的行政负担，”她说。

“ANZ’s stablecoin has the potential to do both of these things, and we’re excited to be working with them on this project.”

“澳新银行的稳定币有潜力做到这两件事，我们很高兴能与他们在这个项目上合作。”

ANZ managing director, digital, Maile Carnegie said the bank was working closely with HESTA and other superannuation funds to explore innovative solutions for the industry.

澳新银行数字部董事总经理 Maile Carnegie 表示，该银行正在与 HESTA 和其他养老基金密切合作，探索该行业的创新解决方案。

“We believe that digital currencies have the potential to transform the way that superannuation is paid and received,” she said.

“我们相信数字货币有潜力改变退休金的支付和接收方式，”她说。

“This project with HESTA is a great example of how we can use new technologies to improve the efficiency and effectiveness of the superannuation system.”

“与 HESTA 合作的这个项目是一个很好的例子，说明我们如何利用新技术来提高退休金系统的效率和有效性。”