由於美國金融系統的局限

小組討論以產量幣為​​中心，或者本質上是通過持有，佔有或貸款（如穩定的）產生產量的加密貨幣的上升。

Stablecoins surged in popularity due to the shortcomings of the US financial system, specifically limited banking hours and the absence of a non-USD trading pair, according to Jerald David, president of Arca Labs.

ARCA Labs總裁Jerald David表示，由於美國金融體系的缺點，尤其是有限的銀行工時和缺少非USD交易對，Stablecoins的流行程度激增。

“So we start thinking about the reason why, we start talking about the nine-to-five banking hours,” David said during a panel at TokenizeThis 2025 event on April 16.

戴維在4月16日的Tokenizethis 2025活動中的一個小組中說：“因此，我們開始考慮原因，我們開始談論九到五個銀行工作時間。”

The panel discussion focused on yieldcoins or, essentially, the rising of cryptocurrencies that can generate yield through holding, staking or lending, like stablecoins.

小組討論的重點是產量幣，或者實際上是通過持有，佔有或貸款（如穩定的）產生產量的加密貨幣的上升。

“Well, nine-to-five banking hours don’t work, and there are implementations right now of payment systems that are going to come to market very soon, that are a good combination of both yield-bearing instruments as well as stabletokens.”

“好吧，九到五個銀行工作時間不起作用，現在已經有一些付款系統的實施了，這些系統將很快上市，這是既有屈服工具又是穩定的企業的良好結合。”

According to David, the pressing need for stablecoins arises from the fact that the traditional US banking infrastructure doesn’t support round-the-clock transactions. “And this industry, as we all know, is a 24-hour industry.”

根據戴維的說法，對穩定幣的緊迫需求源於以下事實：傳統的美國銀行基礎設施不支持全天候交易。 “眾所周知，這個行業是一個24小時的行業。”

KYC for stablecoins

KYC用於穩定的

The discussion touched upon Know Your Customer procedures, which are usually pertinent for yield-bearing instruments. One representative from Figure Markets said that everyone who owns a yield-bearing stablecoin would have to be KYC-ed for tax reasons.

討論涉及您的客戶程序，這些程序通常與承重工具有關。人物市場的一位代表說，出於稅收原因，每個擁有承重穩定的人的人都必須是KYC-ED。

But David pointed out that stablecoins have several use cases beyond yield generation, including payments. “Using this stable token to buy a cup of coffee is not something that really should require AML or KYC for somebody.”

但是戴維指出，穩定幣除了產生在內，包括付款，有幾個用例。 “使用這種穩定的代幣購買一杯咖啡並不是真正需要AML或KYC的東西。”

suggesting that part of the solution could be a trust-based KYC system that allows users to carry their credentials across platforms.

建議該解決方案的一部分可能是基於信任的KYC系統，該系統允許用戶在平台上攜帶其憑據。

Currently, users must complete separate KYC checks for each financial institution or service they use, leading to friction and frustration, especially for those navigating multiple platforms or exploring different crypto ecosystems.

當前，用戶必須為他們使用的每個金融機構或服務完成單獨的KYC檢查，從而導致摩擦和沮喪，尤其是對於那些導航多個平台或探索不同加密生態系統的人。