Stablecoins正在彻底改变工资单，提供更快，更便宜和更透明的全球付款，但合规仍然是一个关键挑战。

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

Stablecoins，工资单和合规：全球就业的新时代

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，导航监管格局至关重要。

The Rise of Stablecoin Payroll

稳定薪金的兴起

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.

想象一下，无论边界如何，都可以立即无缝地支付全球劳动力。这就是稳定薪资的承诺。像Rain这样的公司与Toku合作，使这成为现实。他们的平台允许企业实时资助和解决像USDC这样的Stablecoins的工资单，同时遵守100多个国家 /地区的当地劳工和税法。这是国际公司的游戏规则改变者。

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!

这不仅仅是速度；这是关于访问的。 Stablecoins可以使赚取的工资访问能够获得工资，从而使员工能够在完成工作后立即获得报酬。谈论金融革命！

Compliance: The Unsung Hero

合规：无名英雄

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.

当然，拥有强大的力量造成了巨大的责任。合规性至关重要。像Toku这样的公司与现有的工资系统（ADP，Workday，Gusto）集成在一起，以确保遵守法规。这使公司可以无缝采用稳定工资，而不会陷入合规噩梦中。代金券与Toku之间的伙伴关系进一步强调了简化风险和合规基础设施对加密本地公司的重要性。

BIS Skepticism and the Future of Stablecoins

双重怀疑和稳定的未来

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.

并不是每个人都相信。国际定居银行（BIS）引起了人们对符合真实资金标准的稳定币的担忧：奇异性，弹性和正直。他们担心价格波动和非法使用的潜力，尤其是在无人看管的钱包中。但是，即使是BIS也承认可编程性，化名和易用性的优势，尤其是用于跨境支付。关键是严格调节以减轻风险。

My Take: Cautious Optimism

我的看法：谨慎的乐观

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，如果我们优先考虑合规性和法规，则可以改变工资和全球财务。雨水和托库伙伴关系是解决现实世界问题的创新的一个很好的例子。随着监管压力的增加，优先考虑负责任做法的公司将蓬勃发展。例如，在美国的《天才法》旨在为该行业创建明确的规则，这表明朝着更大的接受和监管迈进。

Looking Ahead

展望未来

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!

工资单的未来就在这里，它是由稳定者提供支持的。现在还很早，但潜力是不可否认的。可以肯定的是：这将是一个有趣的旅程。因此，伙计们，搭扣，为一场金融革命做好准备 - 当然是负责任的！